Symbility Supplement Writing Service
Symbility is the estimating platform behind many USAA and Intact Insurance claims — and most roofing contractors don't know how to fight it. The platform defaults to lower O&P margins, omits key line items, and prices material at rates that lag the market. Kyle Hamrick is a licensed insurance adjuster who supplements Symbility estimates with the same precision he applies to Xactimate files.
Why Symbility Estimates Come in Low
Symbility and Xactimate are both line-item estimating platforms, but they do not produce equivalent outputs for the same scope of work. Symbility's pricing database historically tracks below Xactimate's regional pricing, its default O&P margins are lower, and certain line items that are automatically populated in Xactimate must be manually added in Symbility. Carriers that use Symbility benefit from these structural differences on every claim they write.
The most impactful gap is overhead and profit. Symbility defaults to O&P rates that can be 5–10 percentage points below what contractors are entitled to claim under industry standards and carrier policy language. On a $25,000 roof replacement, that gap represents thousands of dollars. A supplement that correctly argues for industry-standard O&P — backed by licensed adjuster documentation — regularly succeeds.
Beyond O&P, Symbility scopes share the same structural omissions as underpaid Xactimate estimates: missing starter strip at rakes, no high-nail zone premium, incorrect pitch factors, and omitted drip edge on multiple edges. We catch every one of these on Symbility files just as we do on Xactimate files. The supplement is submitted in Symbility format when required — in Xactimate format when the carrier will accept it.
We also integrate with AccuLynx for contractors managing Symbility claims alongside Xactimate files in the same CRM. Your Symbility supplements are tracked in the same workflow as all your other claims.
Line Items We Recover on Symbility Claims
Symbility supplements require the same line-item rigor as Xactimate files. These are the items we add or correct on every Symbility roof claim.
The $5,000 Guarantee
Send us 2 Symbility 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. Symbility contractors who switch to using a licensed adjuster for supplements consistently see the largest recovery improvements.
Start With a Free Symbility Review →Frequently Asked Questions
What is Symbility and how is it different from Xactimate?
Symbility is an insurance estimating platform used primarily by USAA, Intact, and certain regional carriers. Like Xactimate, it generates line-item scopes for property damage claims. Symbility tends to produce lower valuations than Xactimate for equivalent scopes because of how its pricing database and default line-item structure are configured. Many roofing contractors are unfamiliar with Symbility and accept underpaid estimates without realizing a supplement is possible.
Can you supplement a Symbility estimate even if I use Xactimate?
Yes. We review the Symbility estimate line by line, identify every underpaid or missing item, and write a supplement in the platform the carrier uses. If the contractor uses Xactimate internally, we can also provide a parallel Xactimate estimate for their own records. The supplement is submitted in the carrier's preferred format to avoid processing friction.
Which carriers use Symbility?
USAA is the largest Symbility user for residential claims. Intact Insurance, certain Lloyd's syndicates, and several regional carriers also use Symbility. If you receive an estimate that looks different from a standard Xactimate PDF, it may be a Symbility output — send it to us and we can identify the platform and proceed accordingly.
What line items does Symbility most often miss or underprice?
Symbility estimates frequently underprice starter strip (or omit rakes), apply lower O&P margins than industry standard, miss high-nail zone premiums for wind-rated installations, and undervalue steep-slope charges. The platform's pricing database also tends to lag Xactimate regional pricing on material costs, which compounds the underpayment when markets are rising.
Do you charge differently for Symbility supplements vs. Xactimate supplements?
No. The fee structure is the same: 15% of the additional amount recovered through supplementing. No recovery means no fee. Turnaround is the same 24-hour standard regardless of the estimating platform.
Don't Let Symbility Close Your Claim Short
Submit your Symbility estimate. We'll review it free and show you exactly where the carrier left money out.