Siding Insurance Supplement Writing
Siding insurance claims are among the most contested in property restoration. Carriers routinely approve partial elevations, deny matching replacement, and omit every accessory from j-channel to house wrap. Kyle Hamrick is a licensed insurance adjuster who fights every siding scope to full replacement when the installation requires it — with documentation carriers cannot dismiss.
The Siding Matching Problem — and How We Solve It
Siding matching is the central battleground on virtually every siding supplement. When a storm damages one or two sides of a home, carriers write a partial replacement and claim the remaining sides can be matched with available inventory. In reality, matching is rarely achievable due to weathering, color drift, profile discontinuation, and manufacturing batch variation. Carriers know this. They approve partial replacement anyway and wait for the contractor to walk away.
Our siding supplements include manufacturer discontinuation documentation, side-by-side color and profile comparison, and adjuster-authored narrative explaining why a match is not achievable to manufacturer warranty standards. When the documentation is complete, carriers have no clean basis for denying full wrap replacement. We have forced full-wrap approvals on siding claims where initial carrier scopes covered only one of four elevations.
Beyond matching, siding supplements must capture every accessory item the carrier omitted. J-channel, starter strip, undersill trim, inside and outside corner posts, house wrap, and window casing trim are all separate Xactimate line items that belong in every complete siding scope. Carriers skip them because they are small individually — but collectively they represent thousands of dollars per job that contractors absorb without realizing it.
We integrate with AccuLynx for contractors already using that CRM — your siding supplements are written and tracked inside your existing workflow. No extra portals, no handoffs.
Xactimate Line Items We Recover on Siding Claims
Every siding supplement we write includes these line items — documented, coded correctly, and submitted with supporting justification.
The $5,000 Guarantee
Send us 2 siding claims per week for 12 months. If you don't add a minimum of 6 figures to your annual margins, we write you a $5,000 check. No other siding supplement company makes this offer.
Start With a Free Siding Review →Frequently Asked Questions
What is the most common reason siding claims get underpaid?
The single most common issue is matching. When a carrier writes a partial siding replacement, they frequently deny the matching replacement of undamaged panels because they claim the existing profile is still in production or close enough. A licensed adjuster documents why a match is not achievable — using manufacturer discontinuation data, profile comparison, or color deviation evidence — and forces a full replacement scope when matching fails.
Can you supplement a carrier siding estimate where only one side was approved?
Yes, and this is one of our most common siding supplement scenarios. Carriers write one or two elevations and deny the remaining sides. We supplement with photo documentation of matching failure, manufacturer data on color and profile availability, and code references to continuous wrap requirements where applicable.
What siding accessories do carriers most often miss?
Carriers consistently omit j-channel, starter strip, undersill trim, inside and outside corner posts, house wrap replacement, and window and door casing trim pieces. Each is a separate line item in Xactimate, and each is essential to a complete, warrantied siding installation.
Do you handle fiber cement, vinyl, and wood siding claims?
Yes. We write supplements for vinyl, fiber cement (James Hardie and equivalents), wood, engineered wood, and aluminum siding. Each material type has different Xactimate codes and pricing structures — we use the correct category for your specific installation.
How does your fee work for siding supplements?
We charge 15% of the additional amount recovered through the supplement. No recovery means no fee. For retail siding estimates (non-insurance), we charge a flat fee based on scope complexity.
Fight for Full Replacement on Every Siding Claim
Submit your siding file. We'll review it free and show you exactly what the carrier shorted.