Storm Damage Roofing Supplement Service
Storm damage claims involving combined hail and wind events are the most complex — and most underpaid — files in residential roofing. Carriers use automated tools that segment perils, exclude code-required upgrades, and issue partial payments designed to close the file at minimum cost. Kyle Hamrick is a licensed insurance adjuster who supplements every storm claim as an adjuster, not an estimator.
Supplementing Combined-Peril Storm Claims
When a storm event combines hail and wind, carriers often attempt to isolate the lowest-value peril and pay accordingly — writing a wind repair scope while dismissing hail, or vice versa. A licensed adjuster-authored supplement documents both perils simultaneously, with separate line-item justification for each type of damage tied to the same date of loss. This approach closes the loopholes carriers use to minimize payments.
Beyond peril separation, storm claims require thorough documentation of code-upgrade requirements triggered by the replacement event. Many jurisdictions mandate synthetic underlayment, perimeter drip edge, and ice & water shield when a full replacement is performed — items carriers routinely exclude from their initial scope. We include every applicable code citation in the supplement documentation so the carrier cannot deny items required by law.
The Estimate Company also manages depreciation recovery on every storm file. After the roof is installed, we submit the Certificate of Completion to trigger release of withheld ACV depreciation. Most contractors never collect this money because no one follows up. We follow up until it clears.
If your CRM is AccuLynx, we work directly inside your job files. Storm season creates volume — we can handle the load. Our 24-hour turnaround holds even during high-volume event periods.
Xactimate Line Items We Recover on Storm Claims
Storm supplements require multi-peril documentation. These are the items we recover on every storm file.
The $5,000 Guarantee
Send us 2 storm 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 storm supplement service makes this offer.
Start With One Free Storm Review →Frequently Asked Questions
What makes storm damage supplements different from standard hail or wind supplements?
Storm events often combine hail, wind, and water damage simultaneously. A combined-peril claim requires documenting each damage type with separate line-item justification, ensuring no carrier can isolate one peril and exclude another. This is where an adjuster-authored supplement outperforms a generic estimator — the documentation is structured the same way a carrier adjuster would evaluate a multi-peril file.
Can you supplement a storm claim where the carrier already paid partial?
Yes, and this is the most common scenario we handle. Carriers issue an initial ACV payment covering a limited scope. We audit that payment, identify every underpaid or omitted line item, write a supplement for the full additional amount, and submit it for approval. We then track the open supplement to final payment.
What documentation do I need to send for a storm supplement?
We need the carrier estimate (PDF or Xactimate ESX file), job photos showing the storm damage, a measurement report or sketch, and the claim number. If you have AccuLynx, we can pull this data directly from your job file.
How do you handle depreciation recovery on storm claims?
Once the storm repair is complete, we submit the Certificate of Completion (COC) to the carrier to release withheld depreciation. We track every open ACV file and push for depreciation release — most contractors leave this money uncollected because nobody follows up.
What is your turnaround time for storm damage supplements?
Standard residential storm supplements are delivered within 24 hours. Multi-structure or commercial storm files may require 48 hours depending on complexity. We prioritize high-volume storm events and can scale to handle large claim loads after major weather events.
Full Recovery on Every Storm File
Submit your storm claim. We'll review it free and identify everything the carrier missed.