A roofing supplement is a written request asking the insurance carrier to revise a roof claim estimate because items were missed, quantities were short, or new damage was found during the work. It lists each added item with a photo, a measured quantity, and a code or manufacturer citation. If approved, the carrier issues a revised estimate and pays the difference on the claim.
- →A supplement asks the carrier to add to an existing roof claim
- →It's a normal part of the claims process, not a dispute
- →Common reasons: missed accessories, short quantities, code items, hidden damage
- →Approval depends on documentation, not persuasion
Why supplements exist
The first estimate on a roof claim is usually written quickly, often from a single inspection or from photos. It tends to capture the shingles and leave out the components needed to install them correctly. A supplement is how the contractor asks for those items to be added so the roof can be restored properly.
When you need one
- Accessories are missing: starter, drip edge, ridge cap, ice and water shield, flashing
- Quantities don't match the measured roof
- Locally adopted code requires items the estimate doesn't include
- Hidden damage, like rotted decking, appears during tear-off
- Steep or high-roof labor charges were left off
How the process works
- Compare the carrier estimate to the measured roof
- Document each missing or short item with photo, quantity, and citation
- Send a supplement letter with attachments to the adjuster or claim portal
- The carrier reviews and issues a revised estimate, partial approval, or denial with reasons
- Respond to any denial with the specific documentation requested
| Term | Meaning |
|---|---|
| Scope | The list of work and materials the carrier agreed to pay for |
| Supplement | A request to add to or correct that scope |
| ACV | Actual cash value — the first payment, after depreciation |
| RCV | Replacement cost value — the full amount before depreciation |
| Recoverable depreciation | The held-back amount paid after the work is completed, on RCV policies |
Is supplementing ethical?
Yes, when it's accurate. A supplement asks the carrier to pay for work the policy covers. It becomes a problem only when items are padded or invented. Always check your state's rules on contractors communicating with insurers. Some states restrict public-adjusting activity by contractors. Our state guides cover the basics.
RoofGenius audits the carrier estimate line by line and drafts the supplement for your review. See AI Supplements.