What Is an Xactimate Supplement Company?
An Xactimate supplement company is a firm that uses Xactimate — the industry-standard estimating software used by virtually every major insurance carrier — to identify underpaid items in a claim estimate and submit a formal supplement to recover the difference. Unlike general public adjusters or generic estimate writers, a true Xactimate supplement company is staffed by people who live inside the software daily, know every line item category, understand regional pricing databases, and can build airtight scope justifications that survive carrier pushback.
The Estimate Company is that firm. We were founded by Licensed Insurance Adjusters who used Xactimate on the carrier side before pivoting to advocate for the contractors carriers routinely underpay.
Why Xactimate Mastery Is a Competitive Moat
Xactimate is deceptively complex. On the surface, it looks like a line-item spreadsheet. In practice, it's a system with thousands of codes, regional pricing variables, condition modifiers, depreciation frameworks, and overhead/profit rules that trained adjusters have spent years learning to navigate.
When a roofing contractor submits a supplement without Xactimate expertise, carriers exploit every gap. They question quantities, challenge code applicability, reject unfamiliar line items, and use Xactimate's own rules against the contractor. When our Licensed Adjusters submit a supplement, there are no gaps. We write in the same language, using the same database, with the same professional credentials — and carriers know it.
That's what makes The Estimate Company the most effective Xactimate supplement company in the market today.
The Xactimate Line Items That Move the Needle Most
Every roofing claim is different, but the most commonly missed Xactimate line items follow predictable patterns. Our adjusters know exactly where to look:
Roofing Line Items Carriers Consistently Omit
- RFG/ARMV — Remove & Replace Ridge Cap Assembly. Carriers often underquantify ridge length or use outdated unit pricing. This is one of the most reliably underestimated items on any roof claim.
- RFG/ASTR — Starter Strip / Starter Shingles. Mandatory per every major shingle manufacturer's installation instructions. Xactimate has a dedicated code for it. Carriers still omit it routinely.
- RFG/IWS — Ice & Water Shield. IRC Chapter 9 specifies minimum coverage, but local codes often require more. Additionally, full-slope coverage is warranted on low-pitch roofs. Most adjusters default to the minimum regardless of actual scope.
- RFG/DRIP — Drip Edge Flashing (eave and rake are separate quantities). Current building codes require drip edge at both eaves and rakes, but they're often combined or one is omitted entirely in carrier estimates.
- RFG/STEP — Step Flashing at Wall Intersections. If the home has any sections where the roof meets a vertical wall — dormers, additions, sidewalls — step flashing is required. Carriers miss this constantly.
- RFG/HIGH — High or Steep Roof Loading Factor. Roofs above 7/12 pitch require additional time, labor, and safety equipment. Xactimate has a built-in factor for this. Adjusters frequently apply flat rates without accounting for pitch.
- RFG/FELTSU — Synthetic Felt Underlayment. Distinct from traditional felt in both cost and code requirements. If the manufacturer requires synthetic or code mandates it, this line item must appear at the correct unit price — not buried in base labor.
Additional Line Items Most Contractors Never Ask For
- Detach & Reset Gutters — Separate from gutter replacement. Required any time gutters must be removed to complete the roof installation. Missed on virtually every claim.
- Pipe boot/flashing replacement — Code-required on full replacements in many jurisdictions. Not always included in base tear-off pricing.
- Roof deck nailing / renailing — Many older homes require renailing to current code. Xactimate has specific line items for this that adjusters routinely overlook.
- Permit and inspection fees — Real, documentable costs that must appear in the estimate and are commonly excluded.
- Overhead & Profit (O&P) — Applicable when a general contractor is coordinating multiple trades. O&P is often disputed by carriers even when it's clearly warranted.
How Our Xactimate Supplement Process Works
Our process is engineered for efficiency and maximum recovery. Here's what happens when you work with The Estimate Company as your Xactimate supplement company:
- Submit your documents — Upload the carrier's Xactimate estimate, claim photos, scope of loss, and any denial or supplement history. We accept PDF, XactXML, and digital photo submissions.
- Adjuster review — A Licensed Insurance Adjuster reviews the scope against current Xactimate pricing, applicable building codes, and manufacturer specs for the materials involved.
- Supplement build — We write the supplement directly in Xactimate with correct codes, verified quantities, and current regional pricing. No guesswork, no copy-paste.
- Letter and submission — Our adjusters write a supplement letter that cites specific code sections, line item justifications, and references carrier claim guidelines where applicable.
- Follow-through — We manage carrier correspondence until the supplement closes. If they push back, we respond. If they request a reinspection, we prepare for it.
Who Uses an Xactimate Supplement Company?
Roofing contractors who work in insurance restoration are the primary users of professional supplement services. If you're replacing roofs damaged by hail, wind, ice, or other covered perils, your revenue depends on getting paid accurately by carriers. The Estimate Company helps:
- Independent roofing contractors transitioning into insurance restoration
- Established restoration companies looking to increase per-job margins without adding overhead
- Multi-crew operations where the owner can't personally review every carrier estimate
- Public adjusters who need certified Xactimate support on roofing scopes
The $5,000 Guarantee — And Why We Can Offer It
No other Xactimate supplement company in the country offers a $5,000 guarantee on their supplement work. We can because our process is built on Licensed Adjuster credentials, carrier-side experience, and 20,000+ estimates of institutional knowledge. When we tell you there's money to be recovered on your claim — we go get it.
If we identify recoverable funds and can't close the supplement, we stand behind our work financially. That's not a marketing tagline. It's how confident we are in what we do.
Get Your Free Xactimate Supplement Review Today
You already know your carrier's estimate isn't the full picture. The question is how much is missing — and whether you have the right team to go recover it. The Estimate Company offers free supplement reviews for roofing contractors. No upfront commitment, no fee unless we recover money for you.
Stop leaving thousands of dollars per job on the table. Partner with the Xactimate supplement company that works for you.