Blog

May 27, 2026

How to Document Exterior Elevations for Maximum Supplement Approval

Proper elevation-by-elevation documentation is the difference between a supplement that gets approved and one that gets denied. Learn exactly what to photograph, measure, and label on every side of the property.

May 20, 2026

Siding Supplement Guide: Everything Carriers Miss on Siding Claims

Siding claims are underpaid by thousands of dollars on nearly every estimate. From matching requirements and ITEL reports to housewrap, insulation, and detach-and-reset items, this guide covers every missed line item.

May 13, 2026

Window Supplement Items Insurance Companies Miss on Every Claim

Window claims are consistently underpaid. From screen replacements to egress code upgrades, Low-E glass, and the full frame vs insert debate, learn exactly which line items carriers miss and how to recover them.

May 6, 2026

State-by-State Roofing Code Requirements for 2026

April 29, 2026

The True Cost of Not Supplementing Your Roofing Claims

Every roofing insurance claim you close without supplementing leaves an average of $7,000 to $8,000 on the table. Over a year of 100 claims, that adds up to more than $700,000 in lost revenue. Here is the math that shows why not supplementing is the most expensive decision your roofing business makes.

April 26, 2026

Stillwater Roofing Insurance Claims: Cosmetic Damage Exclusion, Haag Method, and Roof Factoring Explained

Stillwater Insurance applies the HO 06 43 04 16 Cosmetic Damage Exclusion to windstorm and hail claims, cites the Haag method for damage identification, and uses LLS roof factoring on qualifying policies. This guide walks roofing contractors through Stillwater's documentation expectations and the supplement strategy that actually gets approved.

April 24, 2026

AAA Texas Roofing Insurance Claims and the HO-145 Cosmetic Damage Exclusion: A Contractor's Supplement Guide

AAA Texas (Auto Club Indemnity Company) applies the HO-145 Exclusion of Cosmetic Damage to Roof Coverings endorsement to impact-resistant roof policies. Understanding where cosmetic damage ends and covered functional damage begins is the difference between a denied claim and a properly approved roofing supplement.

April 23, 2026

Progressive Home Roofing Insurance Claim Supplements: A 2026 Guide for Contractors

Progressive Home uses a distinct Xactimate-based workflow, ITEL material pricing, and specific documentation requirements that affect how roofing supplements are approved. This guide walks roofing contractors through what Progressive expects on a supplement, where underpayments most commonly occur, and how to document a claim for the fastest approval.

April 22, 2026

Xactimate Tips for Roofing Contractors: Avoid These Common Mistakes

Xactimate is the standard estimating software for roofing insurance claims, but most contractors leave money on the table through formatting errors, wrong pricing databases, and missed line items. Here are practical tips to write Xactimate estimates that carriers approve faster.

April 20, 2026

Roofing Insurance Claim Denials: Why They Happen and How Supplements Can Reverse Them

Roofing insurance claim denials are not always the final answer. This guide covers the most common reasons carriers deny roofing claims, how to read a denial letter, what documentation can reverse a denial, and when to involve a supplement, Public Adjuster, or Attorney.

April 20, 2026

Roofing Insurance Supplements: The Complete 2026 Guide for Contractors (From Licensed Independent Adjusters)

Roofing insurance supplements recover an average of $7,000 to $8,000 per claim that insurance carriers would otherwise underpay. This guide explains how supplements work, what separates licensed independent adjusters from typical supplementing services, and how contractors can get every dollar their scope earns.

April 20, 2026

Xactimate Supplement Guide for Roofing Contractors: How Pros Use Xactimate to Recover Full Claim Value

Xactimate is the estimating software carriers use to price and review roofing claims. This guide shows roofing contractors how Xactimate supplements actually work, which line items are most often missed, how market price lists affect what you recover, and when it makes sense to outsource to a licensed Independent Adjuster team.

April 15, 2026

Why Ethical Supplementing Matters: How Integrity Wins More Claims

Ethical supplementing is not just the right thing to do. It is the single most effective long-term strategy for recovering more money on roofing insurance claims. Here is what ethical supplementing looks like, where the line is, and why carriers trust companies that operate with integrity.

April 8, 2026

How to Document a Roofing Job for Maximum Supplement Approval

Photo documentation is the single most important factor in getting a roofing supplement approved. Insurance carriers approve supplements when the evidence is clear, organized, and impossible to dispute.

April 1, 2026

Items Insurance Companies Commonly Miss on Roofing Claims

Insurance adjusters routinely miss code upgrades, ice and water shield, starter strip, drip edge, ventilation, O&P, and more. Learn the most commonly missed items and how to recover them through supplementing.

March 25, 2026

The Complete Guide to Overhead and Profit (O&P) on Roofing Insurance Claims

Overhead and profit (O&P) adds 20% or more to your insurance claim value. Learn the 10+10 formula, when you qualify, why carriers deny it, and how to document your claim to recover O&P every time.

March 20, 2026

What Is a Roofing Supplement? A Complete Guide for Contractors

A roofing supplement is an additional claim submitted to the insurance company for items missed or undervalued in the original estimate. Learn how supplements work, why they matter, and how they can recover thousands of dollars per job.