Insurance Estimate Review & Supplement Audit
Every carrier estimate has gaps. Most existing supplements do too. Kyle Hamrick performs a licensed adjuster-level audit of any carrier estimate or previously submitted supplement to identify every missed line item, quantity error, pricing shortfall, and depreciation opportunity — delivering a written audit report with the exact dollar value of additional recovery available.
What a Licensed Adjuster Finds in Every Carrier Estimate
No carrier estimate is complete. Every one contains omissions — items that belong in the scope by code, by manufacturer installation requirement, or by standard industry practice — that were excluded either deliberately or by the limitations of desk-writing. The question is not whether your carrier estimate has gaps. It is how large those gaps are and whether anyone is going to close them.
The audit process begins with a line-by-line review of the carrier estimate against a complete roof replacement checklist. Every standard line item is checked: starter (both edges), ice & water shield, drip edge (full perimeter), underlayment type and quantity, flashings by count and size, ridge cap type, O&P margins, steep charge factors, and any material-specific codes applicable to the installed system. Items that are missing, underpriced, or incorrectly calculated are flagged with the gap amount.
We also audit depreciation. Every ACV payment has a corresponding recoverable depreciation amount — and most contractors never collect it because no one submits the Certificate of Completion after the job closes. Our audit identifies every open ACV item and quantifies the recoverable depreciation so you know exactly what to chase.
The supplement audit service applies the same process to supplements written by others. Many contractors switch to us after discovering their previous supplement company missed 20–40% of the available recovery. We audit the existing supplement, document the gaps, and submit a second supplement for the remaining amount. We work inside AccuLynx for contractors using that CRM.
What We Check in Every Estimate Audit
These are the categories we review in every carrier estimate audit and supplement gap analysis.
The $5,000 Guarantee
Send us 2 claims per week for 12 months. If you don't add a minimum of 6 figures to your annual margins from our supplement work, we write you a $5,000 check. The audit is how we start — the guarantee is how we finish.
Start With a Free Estimate Audit →Frequently Asked Questions
What is an insurance estimate review?
An insurance estimate review is a line-by-line audit of a carrier estimate performed by a licensed adjuster to identify every item that was missed, underpaid, incorrectly depreciated, or priced below current local rates. The output is a written audit report identifying every gap and the estimated additional recovery available through supplementing.
What is a supplement audit?
A supplement audit applies the same review process to a supplement that was already submitted — either by the contractor or by a previous supplement company. We identify items that were missed in the original supplement, errors in the Xactimate line items used, and additional recovery that can be pursued through a second supplement submission. Many contractors discover thousands of dollars were left out of supplements written by others.
How detailed is the audit report?
The audit report is a written document that identifies every gap in the carrier estimate or existing supplement, including the Xactimate line item code, the quantity or pricing correction needed, and the estimated dollar value of each missed or underpaid item. The report serves as both a summary and a working document for the supplement writing process.
Do I have to use you for the supplement after the audit?
No. The audit is a standalone service. You receive the report and can use it however you choose — implement it internally, hire us to write the supplement, or use it as a baseline for negotiations with the carrier. Most clients choose to have us write the supplement because we already understand the file from the audit, but it is not required.
What does the estimate review cost?
If you hire us to write the subsequent supplement, the review is included in our standard 15% contingency fee. As a standalone audit service, the review fee is based on the complexity and number of line items in the estimate. Contact us for a specific quote — the first review is free.
Find Out What Your Carrier Estimate Is Missing
Submit any carrier estimate — new, old, or already supplemented. We'll audit it free and tell you exactly what was left out.