Free tool · adjusters and contractors
Supplement Builder
The lines a 30-minute desk estimate leaves off, the code or standard behind each, and the proof a reviewer needs to approve it. Pick, attach, download.
Basis: IRC R905.2.8.5 (2012 and later editions) requires drip edge at eaves and rakes on asphalt shingle roofs.
Cut as 'not pre-existing'. Code upgrade coverage or the adopted edition answers that.
Attached:Basis: Manufacturer installation instructions require a starter strip for the wind warranty; it is not included in the field shingle line.
Attached:Basis: IRC R803 (roof sheathing). Rot or delamination found at tear-off is hidden damage; photograph each sheet in place with a tape in frame.
The most-cut supplement line. One photo per sheet, with location noted, is what gets it approved.
Attached:Basis: Xactimate® price list carries separate steep and high charges; omitted when the desk estimate assumes a walkable roof.
Pitch gauge photo and the measurement report settle it.
Attached:Basis: Owed where a general contractor is reasonably likely to be needed (Trinidad v. Florida Peninsula, Fla. 2013). Use the O&P calculator for the figure and the request language.
Attached:
Desk-review readiness
0%
0 of 10 pieces of documentation attached across 5 lines. Lines sent without their proof are the ones that get struck.
Supplement request
Fill in quantities from the measurement report, then paste into your supplement letter or the carrier portal. Check every code section against the edition the jurisdiction has adopted.
Why most supplements stall
Carriers write the first estimate fast, often from aerial measurements that cannot see rotted decking, missing drip edge or the pitch of a roof. The supplement is where that scope gets added, and it is also where most of it gets cut: a desk reviewer cannot verify a line that arrives with no basis and no proof, so it is struck and the cycle starts again. Time from first notice to final payment topped 44 days in 2025, the longest on record, and the supplement loop is a large part of why.
How to use it
- Choose the loss type. Each list is the set of lines reviewers strike most on that kind of claim.
- Tick the lines missing from the carrier's estimate. The basis appears under each.
- Mark which proof you have attached. The readiness score shows what is still missing.
- Download the request, fill in quantities from the measurement report, and send it with the attachments.
Overhead and profit is on every list. Get the figure and the request language from the O&P calculator. If the carrier still will not move, the appraisal calculator tells you whether invoking appraisal pays.
Questions
- Why do supplements get denied at desk review?
- A desk reviewer cannot approve a cost they cannot verify against the estimate line. Lines that arrive without a code reference, a measurement or a photo get struck. The builder lists what each line needs before it goes out.
- Are the code references current?
- They point to the IRC sections and IICRC standards as commonly adopted (for example IRC R905.2.8.5 for drip edge, which entered the code in 2012). Jurisdictions adopt different editions with amendments, so cite the edition your AHJ has adopted. The builder tells you where to check.
- Does it fill in quantities?
- No. Quantities come from your measurement report and the site photos. The builder leaves a blank for each so the request matches the estimate line by line.
- Is there a deadline for supplements?
- In Florida, 18 months from the date of loss under §627.70132. Other states follow the policy's suit-limitation clause. The Florida claim deadline calculator gives every date from the date of loss.
Want the supplement written for you?
Send the carrier's estimate and your photos. We write the full-scope Xactimate® supplement with code basis on every line, free for the first one.
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