Roofing Contractor’s Guide to Insurance Claim Supplements
Stop Leaving Money on the Table
If you’re a roofing contractor, chances are you’ve had an insurance claim come back lower than it should.
Missed damage. Low material pricing. No code upgrades.
The truth is simple — most insurance carriers underpay claims unless you fight for every line item. And that fight takes time you don’t have.
That’s where supplements come in. In this guide, we’ll break down exactly what they are, how they work, and how to win bigger payouts without slowing down your jobs.
What Is an Insurance Claim Supplement?
An insurance claim supplement is a request to the carrier to pay for items that were missed, underpriced, or discovered after the initial inspection.
Supplements can be for:
Additional damage found during tear-off
Code-required upgrades (flashing, ice & water shield, drip edge, etc.)
Material price updates in Xactimate
Labor cost adjustments
Missed trades (gutters, siding, painting, etc.)
Why it matters: Every missed item is money out of your pocket.
How the Supplement Process Works
Step 1 – Initial Claim is Filed
The carrier sends an adjuster, writes an estimate, and issues payment for their version of the work.
Step 2 – Contractor Prepares Supplement
You (or your supplement partner) review the scope, find missing items, and prepare a corrected Xactimate estimate.
Step 3 – Negotiation & Approval
The supplement is sent to the carrier. The adjuster may request more documentation or a reinspection.
Step 4 – Payment Release
Once approved, the carrier sends additional payment. If depreciation is held, you’ll need to submit final invoicing to get it released.
Why Most Contractors Leave Money on the Table
Missed Line Items – Without a detailed Xactimate review, big-ticket items go unpaid.
Inconsistent Follow-Up – Adjusters stall, hoping you’ll drop it.
No Dedicated Process – If supplements aren’t tracked daily, approval can drag on for months.
How ClaimXperts Increases Payouts and Speeds Up Jobs
Our process is built for roofing contractors who want more money, faster, with less hassle.
1. Max-Pay Xactimate Estimates – We load every legitimate line item into your estimate so nothing is missed.
2. Full Supplement Management – From submission to negotiation, we handle it all.
3. Aggressive Claim Follow-Up – We keep pressure on carriers until approval is in writing.
4. Final Payment Recovery – We secure depreciation and closeout so you collect every dollar owed.
Average Results:
10–40%+ payout increases
2–3 week approval times
$0 upfront cost — we don’t get paid until you do
Real Results from Past Claims
| Claim Type | Initial RCV | Final RCV | Increase |
|---|---|---|---|
| Hail Damage – OKC | $42,300 | $61,100 | +44% |
| Wind Damage – Texas | $27,500 | $35,700 | +30% |
| Fire Damage – Kansas | $68,200 | $82,900 | +21% |
Why Outsourcing Supplements Saves You Time and Money
Handling supplements in-house means:
Losing hours each week chasing carriers
Delaying project starts
Leaving extra money on the table
When you hand it to ClaimXperts:
You focus on sales and builds
We focus on getting you paid more, faster
You don’t spend a dime until the check clears
Free Claim Boost Audit — See How Much More You Could Get
Want to know if your claim is missing money? We’ll review your scope, photos, and measurements for free.
If we find more money, we’ll fight to get it approved — and you only pay us after the carrier sends your check.
Send Us Your Claim Today – It costs you nothing to find out.