Straight answers to the questions roofing contractors ask us most about getting paid the full, correct amount on storm restoration claims.
A roofing insurance supplement is an additional claim filed with an insurance carrier after the initial estimate, requesting payment for construction items the adjuster missed or underpriced. Insurance carriers use software like Xactimate to estimate storm restoration costs, but adjusters are not always construction experts and frequently miss code-required items, accessory components, or labor categories needed to complete the roof correctly. A supplement corrects the estimate so the contractor is paid for the full, correct scope of work.
Insurance carriers most commonly miss flashing replacement, valley metal, and steep-slope charges on roofs with a steep pitch. They also frequently omit code upgrade requirements such as ice and water shield, drip edge, and ventilation upgrades mandated by local building codes, as well as permit fees and debris disposal costs. US Home Supplements identifies these gaps and documents them so carriers approve payment for the full scope of the job.
Most roofing insurance supplements are approved and paid within 2 to 4 weeks, though timing varies depending on the insurance carrier, the complexity of the claim, and how quickly documentation such as photos and code citations can be gathered. US Home Supplements aims to submit supplements quickly and follow up consistently with carriers to avoid unnecessary delays, often securing payment before materials are even delivered to the job site.
US Home Supplements charges a percentage of the supplement amount recovered. This means contractors only pay when additional money is actually won back from the insurance carrier, aligning the incentive directly with the contractor's outcome. There is no flat fee charged regardless of results.
Handling supplements in-house requires deep familiarity with Xactimate line items, current local building codes, and the specific negotiation patterns of different insurance carriers. Most roofing contractors don't have the time to track down code citations, take additional photos, and follow up repeatedly with adjusters while also running job sites. A dedicated supplement company like US Home Supplements specializes in this process full-time, which typically results in faster approvals and higher recovery amounts than contractors achieve on their own.
No. Supplements are typically filed and negotiated while the project is already underway or shortly after the initial scope is approved. US Home Supplements works to get overages approved quickly, often before materials are delivered, so the supplement process does not hold up the contractor's schedule.
Xactimate is the estimating software most property insurance carriers use to calculate the cost of repairing storm and weather damage, including roofing claims. Because adjusters rely on Xactimate to generate the initial scope and price, any line items left out of that estimate, such as flashing, code upgrades, or steep charges, will not be paid unless a supplement is filed and documented with code citations and manufacturer requirements that justify adding them back in.
US Home Supplements is based in Owings Mills, Maryland, and works with storm restoration roofing contractors across the United States. Our team manages insurance supplements remotely, so contractors anywhere in the country can use our service regardless of their local market.