If you’re a roofing contractor, you’ve probably experienced an insurance claim being underpaid. This often happens due to overlooked damage, undervalued materials, or failing to include code upgrades. The reality is that most insurance carriers underpay unless you fight for every line item, but that fight can take more time than you have.
That’s where supplements come in. This guide explains exactly what they are, how they work, and how to secure higher payouts without delaying your projects.
What Is an Insurance Claim Supplement?
An insurance claim supplement is a request to the carrier to cover items that were missed, undervalued, or identified after the initial inspection.
Supplements can cover:
- Additional damage found during the tear-off
- Code-required upgrades (flashing, ice & water shield, drip edge, etc.)
- Updated material prices in Xactimate
- Adjusted labor costs
- Missed trades (gutters, siding, painting, etc.)
Every missed item means money lost.
How the Supplement Process Works?
Step 1 – Initial Claim is Filed The carrier sends an adjuster, prepares an estimate, and issues payment based on their assessment.
Step 2 – Contractor Prepares Supplement You or your supplement partner reviews the scope, identifies missing items, and creates a corrected Xactimate estimate.
Step 3 – Negotiation & Approval The supplement is submitted to the carrier. The adjuster may request additional documentation or a reinspection.
Step 4 – Payment Release Once approved, the carrier issues the additional payment. If depreciation was held, you’ll need to submit final invoices to release it.
Why Most Contractors Leave Money on the Table
Missed Line Items – Without a thorough review of the Xactimate, large items can go unpaid.
Inconsistent Follow-Up – Adjusters may stall, hoping you’ll give up.
No Dedicated Process – Without tracking supplements daily, approval can be delayed for months.