The Estimate Company
Supplemental Hail Damage Estimate Service
Carriers routinely underpay hail claims by $3,000–$10,000. Our licensed adjusters write your supplemental hail damage estimate in Xactimate — with every missed line item documented, coded, and ready to submit — within 24 hours.
Get Your First Hail Supplement Free →What a Supplemental Hail Damage Estimate Covers
An initial carrier estimate on a hail claim almost never reflects the full scope of damage. Adjusters are trained to pay the minimum — and on hail jobs, that means skipping line items that any qualified contractor knows are required. A supplemental hail damage estimate goes back through the carrier's scope line by line, documents what's missing, and submits a formal request for additional payment backed by Xactimate codes and manufacturer requirements.
Our supplements cover everything from the obvious misses (starter strip, drip edge, ice and water) to the items most contractors don't even know to ask for. We've worked with 50+ carriers and know what each one will push back on — and how to document it so they can't.
Line Items Carriers Always Miss on Hail Claims
These are the Xactimate codes most carriers leave off every hail estimate. We catch all of them:
RFG/IWS
Ice & Water Shield
Required by code in valleys and eaves in most jurisdictions. Carriers routinely exclude it entirely or price only a fraction of what's needed. We document the required square footage and manufacturer specs.
RFG/ASTR
Starter Strip — Eaves & Rakes
Manufacturer installation requirements mandate starter strip at both eaves and rakes. Most carrier scopes include one or the other — never both. We document the full perimeter with measurements.
RFG/RIDGC+
High-Profile Ridge Cap
Standard carrier estimates price ridge cap at the base rate. High-profile (architectural) ridge cap is required when architectural shingles are specified — and costs significantly more. We code it correctly every time.
RFG/DE
Drip Edge — Full Perimeter
Carriers often skip drip edge completely or price only the eave side. Code and manufacturer requirements call for drip edge on the full perimeter. We measure and document every linear foot.
Steep Slope Labor
Steep Charge (6/12+ pitch)
Steep slope labor adders are required by Xactimate guidelines for roofs with a 6/12 or greater pitch. Adjusters frequently omit this or understate the pitch. We verify and document the actual slope.
Permit + Misc
Permits, Disposal & Code Items
Permit fees, dumpster sizing, high-nail zone requirements, detach-and-reset for gutters, and other code-mandated items are routinely left off hail scopes. We add every legitimate item with documentation.
How to Document Hail Damage for Xactimate
Good documentation is the difference between an approved supplement and a denial. Here's what we need — and what we do with it:
- 1
Send the Carrier's Estimate
Upload the carrier's Xactimate PDF or ESX file. This is our baseline — we audit every line against what the roof actually requires.
- 2
Provide Job Photos
Close-up hail hit photos, ridge photos, valley photos, eave and rake close-ups, slope photos from multiple angles. The more coverage, the stronger the supplement.
- 3
We Audit & Code the Supplement
Our licensed adjusters match every missing item to the correct Xactimate code, correct quantity, and current price list. We add photo citations for every line.
- 4
We Submit & Follow Up
We deliver the supplement to you within 24 hours, submit it to the carrier, and follow up 2–3 times per week until it's approved and paid.
Hail Supplement Results
Your First Hail Supplement Is Free
Send us your first hail claim — carrier estimate, photos, measurements. We'll write the complete supplemental hail damage estimate at no charge. No risk. See the difference licensed adjuster supplementing makes before you commit.
Claim Your Free Hail Supplement →