Roofing insurance supplements: the contractor's guide
A roofing supplement is a request to the insurance carrier for additional payment on line items the original adjuster's estimate missed or underpriced. Typical recovery runs $3,000–$15,000 per claim, averaging $7,000–8,000 on a residential roof — money that's owed, but only gets paid if someone asks for it correctly.
The gap isn't anyone being careless. First estimates get written fast, from a visual inspection and standard software defaults, before tear-off shows what's actually there. Nobody teaches Xactimate line items to roofing contractors, and the carrier has no reason to volunteer a bigger number than the software generates. This guide exists to close that gap — what a supplement is, exactly which line items get missed most, and what to look for as supplement software becomes a real category.
The library
Missed line items
The 14 Line Items Adjusters Miss Most on Roof Claims
The 14 line items insurance adjusters most often leave off a roof claim estimate, why they get missed, and what documentation gets each one approved.
Supplement software
Roofing Supplement Software: What It Should Do
What roofing supplement software should do, how it differs from outsourcing, what specialists charge, and what to look for before buying.
Supplement basics
What Is a Roofing Supplement?
A direct answer to what a roofing supplement is, how the process works, and what it typically costs to get one written.