The Estimate Company
Supplemental Roofing Estimate — Built to Get Approved
A supplemental roofing estimate isn't just more paperwork — it's a properly coded, carrier-specific Xactimate document that recovers the money carriers left off the first time. We write it. We submit it. We follow up until it's paid.
Send Us Your First Claim Free →What Goes Into a Supplemental Roofing Estimate
Carriers write their initial estimates to pay the minimum. A supplemental roofing estimate documents everything they skipped — with Xactimate line item codes, correct quantities, and the price list language carriers are required to accept.
Xactimate Line Items — The Foundation
Every item in a professional supplemental roofing estimate uses a standardized Xactimate code. These codes are the language carriers speak — and when your supplement uses the correct codes (RFG/240P for architectural shingles, RFG/IWS for ice and water shield, RFG/ASTR for starter strip), carriers can't reject them as non-standard or unsupported. A supplement built on proper codes is a supplement that gets paid.
Waste Factors — What Carriers Always Get Wrong
Roofing waste factors vary significantly based on roof complexity. A simple gable might waste 7–10% of shingle material. A hip roof with multiple valleys, dormers, and penetrations can waste 15–25%. Carrier adjusters routinely use generic waste percentages — often 10% regardless of complexity. We calculate actual waste based on roof geometry and document it with measurements, which can recover hundreds to thousands of dollars on a single claim.
Overhead & Profit (O&P) — The Biggest Miss
Overhead and profit — typically 20% added to materials and labor — is owed by most policies whenever a general contractor or primary roofing contractor coordinates the claim. It accounts for legitimate business costs: insurance, licensing, vehicle costs, administrative overhead. Carriers almost never include O&P unless directly challenged with a properly coded supplement. On a $15,000 job, that's $3,000 in missing margin.
Code Items — Required by Law, Ignored by Carriers
Local building codes mandate specific upgrades when a roof is replaced — often triggered by insurance claims. Common code items include: drip edge on full perimeter (not just eaves), starter strip at both eaves and rakes, ice and water shield at eaves and valleys, high-wind re-nailing patterns, and updated ventilation requirements. These are carrier-payable under most policies and must be included in any complete supplemental roofing estimate.
Steep & High Charges — Pitch Adders Carriers Skip
Xactimate includes mandatory labor adders for steep slope work. Roofs with a 6/12 or greater pitch require additional labor time — and the code for it (RFG/ST) must be included in any accurate estimate. Carriers frequently omit this, understate the pitch, or apply it to only part of the roof area. We verify the actual slope from photos and documentation and apply the adder to every applicable square.
What Carriers Typically Exclude — and Why We Include It
Beyond the major categories above, carrier estimates routinely exclude: pipe jack flashings and boots, detach-and-reset for gutters and downspouts, chimney flashing, skylight resetting, satellite dish detach and reset, permit fees, correct dumpster sizing, and haul-off. Each item has an Xactimate code. Each is payable. A professional supplemental roofing estimate finds all of them — not just the obvious ones.
Real Example: What a Supplement Actually Recovers
What the supplemental roofing estimate recovered:
- ✓ Overhead & profit (20%) — $3,100
- ✓ Corrected waste factor (from 10% to 18%) — $980
- ✓ Steep slope labor (7/12 pitch) — $1,640
- ✓ Full drip edge, starter strip, ice & water — $1,420
- ✓ Code upgrades, permits, pipe jacks, gutters — $660
Total additional recovery: $7,700
How We Deliver Your Supplemental Estimate
Line-by-Line Gap Analysis
We compare the carrier's scope to what was actually on the roof. Every underpaid or missing item gets documented with quantities and justification.
Xactimate-Coded Supplement
The finished supplemental estimate uses correct Xactimate codes and current pricing — no custom items that give carriers a reason to reject.
Photo & Documentation Package
We pair every supplemental line item with supporting photos and measurements so the carrier can't claim the damage wasn't there.
24-Hour Delivery
We deliver the complete supplemental roofing estimate within 24 hours of receiving the carrier scope and job photos.
Typical Supplemental Roofing Estimate Results
500%+ ROI — Guaranteed
Work with us on 2 claims per week for 12 months and add a minimum of six figures to your margins — or we write you a $5,000 check.
Start With a Free Supplemental Estimate