A roofing insurance supplement is a formal request to an insurance carrier for additional payment on items missing from their original claim estimate. Carriers routinely omit code-required items (drip edge, ice & water shield, decking replacement under IRC R908.3) and overhead & profit. RoofGenius audits the carrier's estimate, identifies missed or underpaid line items, and cites the building-code section or manufacturer requirement behind each one. Properly written supplements use Xactimate format and cite the relevant code section, policy clause, and photo evidence.
Recovery varies claim to claim depending on what the carrier initially missed. Rather than quote an average, RoofGenius audits the carrier's estimate, identifies missed or underpaid line items, and cites the building-code section or manufacturer requirement behind each one — so you can see exactly what was underpaid and why, before you submit. High-value supplements usually combine code-mandated decking replacement, ice & water shield, drip edge, and overhead & profit.
Carriers most commonly omit: drip edge (eave + rake), ice & water shield, starter strip, ridge cap, pipe boots, step flashing, counter flashing, valley metal, gable trim, decking re-nail (IRC R908.3), synthetic underlayment, ventilation upgrades, satellite/dish detach-reset, gutter detach-reset, paint touch-up, code-mandated upgrades, and overhead & profit on 3+ trade jobs. RoofGenius AI scans for all 17 in minutes.
An approved supplement letter cites the policy section, references the relevant IRC code (e.g., R908.3 for decking, R905.1.2 for ice & water), attaches timestamped photos, references the carrier's own scope numbering, and lists the specific line items in Xactimate format with quantity, unit, and price. Close with a 14-day response request before escalation. RoofGenius generates this letter automatically from your uploaded carrier estimate, citing the code section or manufacturer requirement behind every line item.
Carriers owe overhead & profit (typically 10% + 10%) on any claim involving three or more trades — for roofing, that usually means roof + gutter + paint, or roof + siding + gutter. This standard comes from Vale Training Solutions and is reinforced by case law in most states. Missing O&P alone is often 20% of the total claim and is one of the most commonly omitted items on initial carrier scopes.
IRC R908.3 requires existing roof decking to meet current code when re-roofing. If the deck is less than 1/2-inch thick, has spans that fail current code, or is delaminated/damaged, it must be replaced — and the carrier is obligated to pay for it under code-upgrade coverage in most states. This is one of the highest-dollar supplement items on a re-roof.
Average cycle from supplement submission to carrier approval and payment is 14 days. Properly-formatted Xactimate-compatible letters with cited IRC code references and timestamped photos clear faster than unstructured requests. The AI scan itself takes 60 seconds; the letter generates in another 30 seconds.
Per IRC R905.1.2, ice & water shield is required from the eave to a point at least 24 inches inside the exterior wall line in regions with average January temperatures of 25°F or below. This covers most of the northern US. Carriers in these regions are required to pay for the full eave run, not just valleys — a commonly-missed supplement item on a typical roof.
Yes. IRC R905.2.8.5 requires drip edge at all eaves and rakes for asphalt shingle installations. Most state and municipal codes incorporate this requirement, making drip edge a code-mandated supplement item regardless of whether it was present pre-loss. Typically billed as both D-style (eaves) and L-style (rakes) plus labor.
