Stop Leaving Money on the Table
Practical guides on Xactimate supplements, building codes, and insurance claims — written by contractors, for contractors.
Don't Eat the Red Tape: How to Supplement for Permit Fees
Building permits are a hard cost required by law. Learn why carriers owe for them and how to ensure you are fully reimbursed.
Stop Giving Away Ridge Caps: How to Supplement RFG 240
Ridge caps are not included in field shingle waste. Learn how to identify missing ridge caps and force carriers to pay for this required material.
How to Dispute an Insurance Underpayment on a Roofing Claim
If your carrier's roofing estimate is missing line items or underpaying for work, you have the right to dispute it. Here's the step-by-step process for disputing an insurance underpayment.
Stop Moving Furniture for Free: How to Bill for Content Manipulation (WTR CONTENT)
If you have to move a heavy oak dresser to extract water and place air movers, you need to be paid for it. Here is how to supplement for content manipulation and pack-outs.
State-by-State Roofing Code Requirements for Insurance Supplements
Roofing code requirements vary significantly by state. This guide covers the key state-specific rules that affect insurance supplements, including Florida, Texas, Colorado, Minnesota, and more.
How Public Adjusters Use EstimateDelta to Close More Claims
Public adjusters who use EstimateDelta reduce supplement writing time from hours to minutes, close more claims, and recover more money per file — with code-backed documentation that stands up to carrier review.
Why You're Losing Money on Dumpsters (And How to Supplement for Debris Removal)
Tear-off codes don't cover the real cost of roll-off dumpsters and tonnage fees. Learn how to accurately supplement for debris removal.
Insurance Supplement Software vs. Manual Supplements: Why Automation Wins
Manual supplement writing takes hours and misses items. Here's why roofing and restoration contractors are switching to insurance supplement software — and what to look for.
Water Damage Supplement Guide: Recover What the Carrier Missed
Water damage mitigation claims are full of missed line items. This guide covers the most commonly underpaid items in water mitigation estimates and how to supplement them.
Xactimate Codes Every Roofing Contractor Should Know
Xactimate codes are the line item identifiers used in every carrier estimate. Knowing the right codes is essential for writing supplement requests that get approved.
The Hidden Labor Cost: Supplementing for Detach and Reset Gutters
You can't install drip edge properly with gutters in the way. Learn why 'Detach and Reset Gutters' is a mandatory line item on most roof replacements.
How to Write a Supplement Letter That Gets Approved
A supplement letter is your formal request to the carrier for missed line items. Here's what a winning supplement letter looks like — and what carriers need to see to approve it.
The 12 Most Commonly Missed Line Items on Roofing Insurance Claims
Stop leaving money on the table. These 12 line items are missed on almost every roofing insurance claim — and each one is either code-required or industry standard.
How to Get Overhead and Profit Approved on Every Roofing Claim
Overhead and profit (O&P) is one of the most commonly disputed line items on roofing insurance claims. Here's how to get it approved every time.
How to Supplement for After-Hours and Emergency Service Calls (WTR AFTERHOURS)
When a pipe bursts at 2 AM on a Sunday, you deserve emergency rates. Learn how to properly bill and defend WTR AFTERHOURS on your mitigation supplements.
Don't Leave Money on the Roof: Mastering Steep Slope Charges in Xactimate
Working on a steep roof is dangerous and slow. Learn how to accurately measure pitch and ensure you are getting paid for the increased labor costs.
What Is a Roofing Supplement? A Contractor's Complete Guide
A roofing supplement is a formal request to the insurance carrier for payment on items missed or underpaid in the original Xactimate estimate. Learn what it is, why it matters, and how to get one approved.
Why Carriers Owe for Starter Course Shingles (and How to Get Paid)
Don't let carriers bury starter shingles in the waste factor. Learn how to use manufacturer specs to get starter strips approved on every claim.
Why Drip Edge is Never Optional: Using the IRC to Win Supplements
Carriers often claim drip edge isn't needed if it wasn't there before. The IRC says otherwise. Here is how to supplement for drip edge every time.
Why You Should Always Bill for Moisture Mapping and Daily Monitoring (WTR MOISTMAP)
Daily monitoring isn't overhead—it's a billable line item. Learn how to properly document and supplement for WTR MOISTMAP on every water mitigation claim.
The Ultimate Guide to Supplementing Ice and Water Shield
Ice and water shield is code-required in most states but routinely underpaid by carriers. Here is how to supplement for full coverage.
Stop Guessing: How to Use IICRC S500 Air Mover Formulas to Get Your Equipment Paid
Adjusters frequently slash air mover counts on mitigation invoices, claiming you over-equipped the job. Learn how to use the exact IICRC S500 formulas to justify every fan you placed.
How to Fight Overhead and Profit (O&P) Denials Like a Pro
Carriers deny O&P on almost every initial estimate. Learn the exact arguments, case law, and strategies to get your 10% and 10% approved.
Category 3 Water Damage: How to Stop Adjusters from Downgrading to Category 1
Carriers love to downgrade Category 3 black water claims to Category 1 to avoid paying for extraction, antimicrobial, and tear-out. Here is how to use the IICRC S500 to fight back and win.
The Top 10 Most Missed Xactimate Line Items in Roofing Claims
Stop leaving money on the table. Discover the 10 most commonly missed Xactimate line items in roofing insurance claims and how to get them approved.
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