Roofing Supplement Company Serving Delaware Contractors

Delaware may be the nation's smallest state, but nor'easter wind damage, coastal storm surge, and ice dam conditions generate roofing claims that are as complex as anywhere in the Mid-Atlantic. Kyle Hamrick is a licensed insurance adjuster with 20+ years of experience who works Delaware claims remotely — delivering the same rigorous Xactimate supplement analysis that Wilmington and Dover contractors need to compete with carriers on even footing.

Delaware's Storm Exposure: Nor'Easters and Coastal Wind

Wilmington, Dover, Newark, Middletown, Smyrna, Milford, Seaford, and Rehoboth Beach each face a distinct blend of Mid-Atlantic storm exposure. Wilmington and northern Delaware experience the full force of nor'easters that drive up the I-95 corridor — bringing ice accumulation, wet snow loads, and wind-driven rain that compromises underlayment and flashing systems. Coastal communities like Rehoboth Beach face sustained salt air exposure that degrades metal components and accelerates granule loss on asphalt shingles. Delaware's flat terrain offers little topographic protection from storm systems, making wind damage pervasive across the state.

Insurance Carriers Active in Delaware

Amica, Travelers, Liberty Mutual, Chubb, MetLife, and The Hartford are the primary carriers writing Delaware homeowner policies. Delaware's proximity to major insurance markets in Philadelphia and Baltimore means adjusters are shared across regions — which leads to inconsistent scoping and frequent omissions on state-specific code requirements.

Xactimate Items Delaware Adjusters Regularly Miss

• RFG ICEDAM — Ice and water shield; Delaware code requires ice barrier at eave edges and valleys on slopes 2:12 and above.
• RFG DRIP — Drip edge replacement; coastal salt air and freeze-thaw cycles split aluminum drip edge at a high rate in Delaware.
• FLS CHIMFL — Chimney flashing; older Delaware homes with brick chimneys frequently need full counter-flashing and step flashing replacement after nor'easter events.
• RFG FELT30 — Synthetic underlayment upgrade; nor'easter wind-driven rain penetration requires upgraded moisture barrier systems.
• FLS VLYFLSH — Valley flashing replacement; nor'easter rain volume regularly overwhelms corroded or undersized valley systems.
• RFG RIDGCP — Ridge cap shingles; wind uplift in coastal Delaware tears ridge caps at high frequency and adjusters undercount.
• RFG DECKIN — Decking replacement for sections damaged by moisture intrusion through storm-compromised underlayment.
• O&P — Overhead & profit; Delaware GCs managing multi-trade storm losses are entitled to standard O&P.
• PERMITS — Wilmington and Dover both require roofing permits; permit fees are consistently excluded from initial estimates.

AccuLynx Integration

Delaware roofing contractors using AccuLynx can receive our supplement packages in Xactimate-compatible format that imports directly into job records. Keep your scope, production schedule, and supplement status all in one system.

$5,000 Guarantee

Every Delaware supplement comes with a $5,000 money-back guarantee. We find legitimate line items or you pay nothing — and we'll write you a check. That's the guarantee.

24-Hour Turnaround

Delaware contractors get completed supplement packages within 24 hours of submitting claim files and photos. Fast turnaround keeps your re-inspection requests timely and your carrier negotiations moving.