Frequently Asked Questions

A supplement is a formal request to an insurance carrier for additional funds when the original claim estimate does not cover the full cost of repairs. Supplements include detailed documentation, Xactimate line items, code requirements, and manufacturer specifications that justify the additional scope of work.

Our clients typically see 20-40% more per claim compared to accepting the carrier's initial estimate. The average supplement value we recover is $7,000 to $8,000, though results vary by claim size, scope, and geographic location.

Xactimate is the industry-standard estimating software used by insurance carriers, adjusters, and contractors to price property damage repairs. Because carriers use Xactimate to evaluate claims, having your supplement written in Xactimate with accurate line items and pricing gives it credibility and increases the chances of approval.

O&P stands for Overhead and Profit. It is a 20% combined markup (10% overhead + 10% profit) that contractors are entitled to when a claim involves three or more trades. Many carriers initially deny O&P, but our adjusters know how to document and justify it for approval.

We submit supplements within 48 hours of receiving your claim documentation. After submission, our team makes the first follow-up call to the carrier within 7 days and continues following up every other business day until the claim is resolved.

Yes. We integrate directly with JobNimbus, AccuLynx, RoofR, ProLine, Company Cam, and Roof Link. Our adjusters work inside your CRM so you always have visibility into claim status without extra emails or phone calls.

Every member of our team has been a licensed Independent Adjuster with a minimum of 5 years of field experience. Most of our team members have 15 or more years in the industry, and many still maintain active licenses. We have dedicated commercial claim specialists for large-loss projects. Independent Adjusters work on behalf of insurance carriers and policyholders to assess and document claims, which is different from a Public Adjuster who represents only the policyholder.

Yes. We specialize in commercial claims and offer on-site inspections for projects exceeding $2 million. Our commercial specialists handle everything from storm damage on multi-unit properties to total-loss rebuilds.

We handle the full scope of insurance claims across all trades. While roofing is our primary focus, we also supplement for siding, gutters, windows, interior damage, fire, water, tornado, and hail damage for both residential and commercial properties.

No. We never guarantee specific dollar amounts because every claim is different. What we do guarantee is thorough documentation, accurate Xactimate estimates, and persistent carrier follow-up to help maximize the approved scope of work on every claim.

We work on a percentage-based fee structure tied to the supplement amount recovered. If a claim does not result in an increase, a minimum service fee applies to cover the estimate and follow-up work completed on your behalf. Contact us for specific pricing details.

To start a supplement, we need the insurance carrier's initial estimate, your sub-contractor estimate (if available) or scope of work, and photos of the damage. We provide a detailed photo checklist to make sure you capture everything we need for the strongest possible supplement.

Yes. We serve roofing contractors across the United States. Our team handles claims in all 50 states, with deep expertise in high-volume storm markets like Colorado, Texas, Minnesota, and the Midwest.

Three things set us apart. First, every team member is an Independent Adjuster, not a salesperson or estimator. Second, we work directly inside your CRM for full transparency. Third, we built our company on ethical handling. We have terminated contractor relationships when we discovered dishonest claims or false billing practices because our reputation depends on doing the right thing.

We update claim status directly in your CRM after every carrier interaction. You can check progress anytime without calling or emailing us.