Services
Roofing Supplement
Company
Insurance carriers underpay roofing claims — consistently, and by design. The Estimate Company, run by licensed insurance adjusters Kyle and Lexie Hamrick, supplements every missed line item so you get paid for every nail you drive.
What Is Roofing Supplementing?
When an insurance carrier sends an adjuster to inspect storm-damaged roofing, the adjuster writes an initial estimate in Xactimate — the industry-standard estimating software. That estimate is often incomplete. It misses line items, underprices materials, ignores code-required upgrades, or uses outdated regional pricing.
Roofing supplementing is the process of going back to the carrier with documentation to add those missed items and correct the scope. It's not an appeal — it's a formal, documented request with Xactimate line items, photos, and code citations that forces the carrier to pay what they actually owe.
Most roofing contractors lose thousands of dollars per claim simply because they don't know what was missed — or don't have the time, tools, or carrier relationships to fight for it. That's exactly what The Estimate Company does for you.
Our Supplementing Process
File Received
You send us the carrier estimate, photos, and any inspection notes via email.
Xactimate Written
We review every line item, identify all missed items, and write a complete Xactimate supplement within 24 hours.
Submitted to Carrier
We submit the supplement to the correct carrier department with full documentation and code citations.
Carrier Follow-Up
We follow up 2-3x per week, every week, until the supplement is approved. No claim gets buried on our watch.
Closed & Paid
Supplement approved. You get the revised scope, issue the revised invoice, and collect the full amount owed.
Common Items Carriers Miss
These are the line items we find on nearly every carrier estimate we review. Every one represents real money left on the table.
Commercial vs. Residential Supplements
Residential
Most residential roofing supplements follow a predictable pattern — the same items are missed on nearly every claim. We know the carriers, we know the adjusters, and we know exactly how to document and present missed items for fast approval. Turnaround is 24 hours.
- →Hail & wind damage claims
- →Single-family and multi-unit
- →All major shingle manufacturers
- →All US carriers
Commercial
Commercial supplements are more complex — larger square footage, more line items, extended depreciation calculations, and specialized system-specific pricing. TPO, EPDM, metal, modified bitumen, and built-up roofs each require different supplement strategies. We handle all of them.
- →TPO, EPDM, metal, built-up, mod-bit
- →Large commercial square footage
- →Detailed depreciation recapture
- →Carrier-specific documentation
The TEC Guarantee
Send us 2 claims per week for 12 months and we guarantee you will add a minimum of 6 figures in additional margin to your business. If you don't, we write you a $5,000 check. No fine print. We're confident because we've done it hundreds of times.
Frequently Asked Questions
What exactly is a roofing supplement?
A roofing supplement is a request to the insurance carrier to add missed or underpaid line items to an approved claim. Insurance adjusters often miss items like starter strip, drip edge, steep charges, satellite dish removal, or code-required ice and water shield. A supplement corrects the estimate to reflect the actual scope of work — so you get paid for everything you do.
How does TEC's supplementing process work?
You send us the carrier's estimate (and photos/inspection notes if available). We review it against current Xactimate pricing, identify every missed or underpaid item, write the supplement in Xactimate, and submit it to the carrier. We then follow up 2-3 times per week until the supplement is approved and your check is issued.
How long does it take to get a supplement approved?
We deliver your supplement file within 24 hours of receiving the job. Carrier approval timelines vary — some approve within days, others take 2-4 weeks. Our aggressive follow-up cadence (2-3x/week) keeps the process moving and prevents claims from getting buried.
Do you handle commercial roofing supplements too?
Yes. We handle commercial roofing supplements for TPO, EPDM, metal, modified bitumen, and built-up systems. Commercial supplements are more complex — larger scopes, more line items, extended depreciation tables — but we've handled thousands of them across 50+ carriers.
What's the guarantee?
If you send us 2 claims per week for 12 months and don't add at least 6 figures in margin to your business, we write you a $5,000 check. We're that confident in the value we deliver.
Stop leaving money on the table.
Send us your next carrier estimate. We'll show you exactly what was missed — within 24 hours.