The complete playbook for roofing contractors — identify what the adjuster missed, document it properly, and recover every dollar your client is owed.
A roofing supplement is an additional insurance claim filed after the initial adjuster estimate to recover costs for items that were missed, undervalued, or omitted. Supplements are normal, legitimate, and expected — adjusters work fast and routinely miss line items that any experienced contractor would include.
Ice and water shield requirements, code-compliant underlayment, ridge vent upgrades, and permit fees that have changed since the original policy was written.
Many adjusters use flat labor rates regardless of pitch. Roofs 7/12 and steeper require additional labor and safety equipment — this must be itemized and documented.
Satellite dishes, solar panels, gutters, skylights, and attic fans that must be removed and reinstalled are frequently omitted from initial estimates.
If lumber, shingles, or synthetic underlayment prices increased between the policy date and the claim date, the supplement can capture the difference.
When discontinued shingle products require full-replacement of adjacent slopes to match, this must be documented and supplemented separately.
General contractors are entitled to O&P (typically 10% overhead + 10% profit) on all coordinated trades. Many carriers omit this without being asked.
Photograph every slope, all penetrations, ridge, valleys, gutters, and any ancillary structures. Take measurements with EagleView or a measured estimate tool. More documentation = faster supplement approval.
Build your estimate line by line in Xactimate using local pricing. Don't accept the adjuster's scope as a starting point — write your own complete scope and compare.
Side-by-side compare your estimate against the adjuster's. Flag every line item that's missing, underpriced, or omitted. Build a supplement request document with supporting photos for each item.
Send the supplement package to the carrier's designated supplement department — not the adjuster. Include: your scope, photos, Xactimate printout, and any supporting code documentation.
Insurance carriers have internal deadlines but won't always meet them voluntarily. Consistent follow-up is the single biggest factor in supplement approval speed.
Log every supplement submission date, carrier response, and approval status in your CRM. Roof Claims CRM has native supplement tracking fields on every claim — you'll know exactly where every supplement stands at any moment.
Roof Claims CRM includes native supplement tracking built directly into each insurance claim. Log the supplement amount, submission date, carrier response, and approval status — all tied to the lead record. Your whole team can see exactly where every supplement stands without digging through emails.
Start Free Trial →Roof Claims CRM tracks supplements, change orders, ACV, RCV, and every financial detail of your insurance claims.
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