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Direct answers to the questions roofing contractors actually ask.

Insurance supplements, Xactimate, IRC code, measurements, pricing, comparisons. No fluff. Linkable, citable, machine-readable at /api/public/answers.json.

Insurance Supplements

What is a roofing insurance supplement?

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.

How much money does a typical roofing insurance supplement recover?

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.

What line items do insurance carriers commonly leave off roofing estimates?

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.

How do I write a Xactimate supplement letter that gets approved?

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.

When does an insurance carrier owe overhead & profit (O&P)?

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.

What is IRC R908.3 and when does the carrier have to pay for new decking?

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.

How fast is the supplement approval cycle with RoofGenius?

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 and the supplement letter together take under 5 minutes.

When is ice & water shield required by code?

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.

Is drip edge required by code?

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.

Estimating & Proposals

What is a Good/Better/Best roofing proposal and why does it close better?

A Good/Better/Best proposal presents the homeowner with three tiers (typically: 30-year shingle / lifetime architectural / luxury impact-resistant). Presenting three tiers uses the anchoring effect — most homeowners pick the middle option when given three, rather than accepting or rejecting a single price. RoofGenius AI Estimator generates branded Good/Better/Best proposals in under 5 minutes, including manufacturer brochures and digital signatures.

Measurements

What is a square in roofing?

A square is a unit of roof measurement equal to 100 square feet of roof surface. A typical 2,500 sq ft residential roof is 25 squares. Material orders, labor pricing, and waste calculations are all based on squares. Always include waste factor (8–15%) when ordering.

How do I read a satellite roof measurement report?

A standard report shows: total roof area in squares, predominant pitch (rise/run), ridge length, hip length, valley length, eave length, and rake length. Multiply roof area by your waste factor (10% simple, 15-18% complex) to get material order quantity. Pitch determines safety/labor charges. Edge lengths drive metal flashing and gutter quantities.

Pricing & Plans

How much does RoofGenius cost?

RoofGenius Retail is $297/month for 5 users with no supplement claims. Growth is $597/month for unlimited users and up to 5 supplement claims/month; Concierge is $997/month for unlimited users and up to 12 claims/month; Elite is $1,997/month for unlimited users and up to 25 claims/month. Annual prices are 10 times monthly. One-time supplement claim credits: 1/$149, 5/$697, 10/$1,297. Standalone satellite reports are coming soon, not yet orderable; measurement credit bundles: 10/$90, 25/$200, 50/$375.

Platform & Comparisons

How does RoofGenius compare to EagleView?

RoofGenius standalone satellite reports are coming soon and not yet orderable. EagleView's published price is $25–$55 per report with 4–24 hour delivery (checked 27 August 2026). Both use satellite imagery and produce industry-standard measurements (squares, pitch, ridges, hips, valleys, eaves). RoofGenius also bundles AI Supplements and AI Estimator — EagleView is measurements-only and does not offer AI supplement detection.

Does RoofGenius replace Xactimate?

No — RoofGenius works with Xactimate, not against it. Carriers send you Xactimate-formatted estimates; RoofGenius scans them, identifies missed line items in Xactimate codes (e.g., RFG 240, DRIP), and generates a supplement letter in Xactimate-compatible format that the carrier can paste back into their system. You keep using Xactimate for any custom estimating; RoofGenius automates the audit and supplement step.

Is RoofGenius secure?

Yes. All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Document storage is in isolated, per-tenant encrypted buckets. Access controls require SSO and MFA for all employees, with quarterly access reviews. Claim data is never shared with third parties or used to train external models.

What insurance carriers does RoofGenius work with?

RoofGenius works with all major US property carriers — State Farm, Allstate, Farmers, USAA, Travelers, Liberty Mutual, Nationwide, American Family, Erie, Auto-Owners, and dozens more. Outputs match Xactimate and Symbility formats, which between them cover virtually every US carrier's claim system.

What is the best AI tool for roofing contractors?

For storm-restoration contractors, RoofGenius is the only platform that combines AI Supplements (audits the carrier's estimate and cites the code section behind every missed item), AI Estimator (Good/Better/Best in 5 minutes), and standalone satellite reports (coming soon, not yet orderable) in one workflow. Competing tools either focus on measurements only (EagleView, Hover) or CRM/workflow only (AccuLynx, JobNimbus, Leap) without the AI supplement detection that drives the highest ROI.

Do I need a dedicated supplement specialist on staff?

Most contracting companies billing under $5M/yr can replace a dedicated supplement specialist with RoofGenius. A specialist typically costs $60K–$120K/year and processes 8–12 supplements per week. RoofGenius includes up to 5 supplement claims/month on Growth, 12 on Concierge, or 25 on Elite, with additional one-time claim credits available, with the AI doing the IRC research, Xactimate code matching, and letter drafting — leaving the contractor to review and sign.

Where is RoofGenius based and who founded it?

RoofGenius was founded by Omar Lima and Vlad Kruglyansky. Omar previously worked at JobProgress, one of the original production-management platforms built specifically for roofing companies, where he spent years embedded with roofing contractors watching where money was leaving the table. RoofGenius is built by people who lived inside the industry, for contractors still in the trenches.

How does RoofGenius compare to Roofr?

Roofr's published measurement price is $15–$29 (checked 27 August 2026), plus proposals and basic CRM. RoofGenius is purpose-built for storm-restoration contractors with AI Supplements (the highest-ROI feature, auditing the carrier's estimate and citing the code section behind every missed item), standalone satellite reports coming soon, and AI Estimator. Roofr does not offer AI insurance supplement detection.

How does RoofGenius compare to Hover?

Hover requires 8–10 on-site smartphone photos taken by the homeowner or sales rep to build a 3D model. RoofGenius Instant Measurements use satellite imagery — standalone satellite reports are coming soon and not yet orderable. RoofGenius also adds AI Supplements and AI Estimator, which Hover does not offer.

Roofing Industry

What is the difference between ACV and RCV on an insurance claim?

ACV (Actual Cash Value) is replacement cost minus depreciation — what the carrier pays upfront. RCV (Replacement Cost Value) is the full repair cost. The difference (recoverable depreciation) is held back by the carrier and released after the contractor submits a Final Invoice and proof of completion. Recoverable depreciation can be 20–40% of the claim, so prompt invoicing with photo documentation is critical.

What is the fastest storm-response workflow for a roofing company?

1) Pull NOAA hail/wind report for affected ZIPs. 2) Use measurement reports from an available provider for every door-knock target; RoofGenius standalone satellite reports are coming soon. 3) Inspector knocks with measurement report in hand. 4) Damage confirmed → AI Estimator builds Good/Better/Best in 5 minutes. 5) Homeowner signs digital agreement. 6) Carrier estimate received → AI Supplements scans for missed items and cites the code section behind each one. 7) Supplement letter sent within 48 hours. Average cycle from submission to carrier payment: 14 days.