The 2026 State of Insurance Supplements
The largest open analysis of US roofing insurance supplements ever published. Based on 12,847 audited carrier estimates and $14M+ in recovered claims, January 2024 through April 2026.
Top 10 missed line items
Ranked by frequency of omission across the full 12,847-claim dataset. Average value is per-claim when missed.
| Line item | % of claims missing | Avg value when missed |
|---|---|---|
| Drip edge (rake side) | 73% | $184 |
| Ice & water shield (R905.1.2) | 68% | $612 |
| Decking re-nail (R908.3) | 61% | $520 |
| Starter strip (separate) | 57% | $148 |
| Ridge cap (separate line) | 54% | $215 |
| Overhead & profit (3+ trades) | 49% | $1,420 |
| Synthetic underlayment | 46% | $310 |
| Pipe/vent boots | 42% | $95 |
| Step flashing | 39% | $220 |
| Counter flashing (chimneys) | 34% | $185 |
Carrier behavior at a glance
Across the full dataset, the average residential roof claim has 18.4% of recoverable value missing from the carrier's first scope. That figure is consistent across geographies — Texas, Florida, Colorado, Oklahoma, and the Midwest all cluster within a 2-point band — suggesting the cause is procedural (carrier estimating templates and claim-handling time pressure), not regional.
By state
Florida and Minnesota lead in supplement-friendliness due to statutory matching laws (FL §626.9744, MN §65A.10). Texas shows the highest absolute recovery dollars due to claim volume. Louisiana has the shortest filing window (1 year), making fast supplement turnaround critical.
Read the full state-by-state guide.
Methodology
All analyses cover RCV-formatted residential roofing supplements processed through RoofGenius AI between January 1, 2024 and April 30, 2026. Claim values are RCV. Approval rate is measured at 30 days post-submission. "Missed" means the line item was absent or under-priced relative to the actual repair scope, as confirmed by post-completion invoice.
License
All data and findings in this report are released under Creative Commons CC-BY-4.0. Cite as: "RoofGenius AI, 2026 State of Insurance Supplements Report (May 2026)."
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