Roofers know the drill. You do the work. You file the claim. And then… the payout comes up short.
The culprit? Poor documentation, missing line items, and Xactimate estimates that don’t reflect the real cost of doing the job right.
It’s frustrating, and it’s costing you money.
The good news: Roofing supplement companies like ours know how to turn those gaps into thousands of dollars in recovered revenue.
At Supplement Experts, we only get paid if you get paid. Our clients typically see 20%–30% more on roofing insurance claims just by letting us handle the supplement and Xactimate process.
What is Xactimate?
Xactimate is the estimating software used by nearly every insurance carrier in North America. It’s how they decide what gets paid and how much.
Think of it as the blueprint for your payout.
But here’s the problem: if you don’t use Xactimate right, or if you’re missing key documentation, insurance carriers won’t approve what you’re actually owed.
That’s where most contractors get stuck.
What is Supplementing?
Supplementing is the process of requesting additional payment from the insurance company for work or materials not included in the original claim estimate.
It could be:
- Code-required upgrades
- Missed damage from the initial inspection
- Labor or materials that weren’t accounted for
- Replacements needed due to manufacturer specs
In short, if it’s real work you’re doing but not getting paid for, that’s a supplement opportunity.
How Xactimate and Supplementing Work Hand in Hand
Xactimate tells the carrier what you’re billing for.
Supplementing tells them why it matters and shows the proof they need to say yes.
Here’s how the two work together to increase payouts:
- Xactimate provides structure. We use it to build accurate, itemized estimates that speak the adjuster’s language.
- Supplementing fills in the gaps. Photos, codes, measurements, and documentation justify every added line item.
- Together, they unlock higher payouts. Insurance carriers are more likely to approve claims when they see detailed, supported, Xactimate-compliant supplements.
Example 1: The $4,300 Line Item Everyone Misses
There’s a code-required item we add on nearly every claim — and it’s worth over $4,000. Most roofers leave it out, or they can’t justify it when insurance pushes back.
We build the item into Xactimate, attach the right photos and code references, and boom, it gets paid.
Example 2: Full Roof Replacement Instead of Repair
A contractor called us after a $9,000 repair payout. But the roof was steep, complex, and clearly needed replacement.
We rebuilt the scope in Xactimate, added missing line items for flashing, valley metal, and waste factors, and included tear-off photos to back it all up.
Final payout? Over $22,000.
What Supplement Experts Does With Xactimate to Maximize Results
Here’s what sets us apart from other roofing supplement companies:
- We know the software. Our team includes certified Xactimate writers who know how to speak adjuster.
- We add what matters. No fluff — just code-required, properly documented supplements that get approved.
- We follow up. We don’t just submit and hope. We track every claim, call carriers, and push for faster revisions and payouts.
Supplement Experts: Your Trusted Supplementing Partner with Xactimate
If you’re spending hours trying to figure out Xactimate — or leaving money on the table because you’re not supplementing right — we can help.
Our job is simple: get you paid properly for every roof you build.
And here’s the best part: We only get paid if you do. That’s how confident we are in our process.
Contact us to see if your business has supplement opportunities that can generate more revenue and make you more profitable.
