Our automated supplement writing software and Xactimate supplement automation service handle every supplement. Email the estimate and photos — receive a complete, ready-to-submit supplement with O&P and code upgrades in 24–72 hours.
Send the insurance estimate PDF and job photos. That's your entire job.
Trained claims pro + AI drafting system. Every line item QA'd.
Complete, polished, ready to submit. 24–72 business hours.
Submit it to the carrier. Average recovery: $2,000–$6,000.
$2,000–$6,000 out.* Industry sources: RISE Roofing, QuickPay Claims.
Most supplements fail because they're incomplete. We write every line item, O&P argument, and code upgrade the first time — written to get approved, not just submitted.
No minimum volume. No long-term contract required. Platform clients get supplement tracking built in.
Everything a roofing or restoration contractor needs to know about our managed supplement service — what we write, what we check, how we handle carrier pushback, and why our supplements get approved at a higher rate than self-written supplements.
When a homeowner files an insurance claim for storm, fire, or water damage, the insurance carrier sends an adjuster to write an initial scope of loss using Xactimate — the industry-standard estimating software. That initial estimate is almost never complete. Adjusters work quickly, often assess dozens of claims per week, and routinely omit line items that are required by code, standard industry practice, or the specific conditions of the loss. The difference between what the carrier initially approves and what the job actually costs is called the supplement gap.
A supplement is a formal request submitted to the carrier to add missing line items to the approved scope of loss. When written correctly — with proper Xactimate line item codes, supporting documentation, and carrier-appropriate language — supplements are approved at high rates and result in significant additional payments. When written poorly or not at all, the contractor absorbs the cost of missing items out of their own margin. Over ninety percent of insurance claims in the roofing and restoration industry are estimated to be supplementable (insurance industry analysis). The average recovery on a well-written supplement ranges from $2,000 to $6,000 per job, based on Chosen Local supplement service data across roofing and restoration claims.
Most contractors do not supplement consistently because it requires Xactimate expertise, time, and familiarity with carrier-specific approval patterns — resources that most small and mid-sized contracting businesses do not have in-house. The Chosen Local managed Xactimate supplement writing service provides that expertise on demand, per job, with no minimum volume and no contract commitment.
Overhead and profit — commonly written as O&P — is the ten percent overhead and ten percent profit markup that general contractors are entitled to charge when coordinating multiple trades on a loss. It is the most commonly omitted item in initial carrier estimates, and it is the item that generates the most carrier pushback. Our specialists include O&P on every eligible job and include a formal written argument citing the specific trade coordination requirements that justify the charge. For fire and water restoration jobs involving roofing, drywall, painting, flooring, and contents — O&P is virtually always justified and our approval rate on O&P supplements is above ninety percent.
Insurance carriers are required to pay for repairs that bring a property up to current building code, even if the damaged condition was not code-compliant. Our specialists identify every applicable code upgrade for the job's state and jurisdiction — drip edge requirements, ice and water shield requirements, ventilation standards under IRC R806, decking thickness minimums, synthetic underlayment specifications, and local wind mitigation requirements in coastal markets like Florida and Texas. Each code upgrade is documented with the relevant code citation, which carriers cannot legally deny without cause.
Our supplement writers cross-reference every carrier estimate against a comprehensive checklist of items that adjusters routinely omit. On roofing jobs, these include starter shingles as a separate line from field shingles, ridge cap shingles as a separate product, ice and water shield at eaves and valleys, step flashing at every wall-roof intersection, pipe boot replacements at all penetrations, ridge ventilation replacement, steep slope surcharges for roofs above seven-in-twelve pitch, chimney counter flashing, and satellite dish or solar panel removal and reinstallation costs. Adjusters commonly estimate one line item that they expect to cover all of these costs combined. Our specialists write each as a separate documented line item at the correct Xactimate unit pricing.
Water and fire restoration supplements require a different set of expertise than roofing supplements. Our specialists review every restoration estimate for texture matching charges on drywall work, floor protection for adjacent undamaged areas, contents manipulation costs, matching rule applications for flooring and paint where replacement of damaged areas requires matching to undamaged adjacent areas, prime coat and sealer costs on top of finish paint, antimicrobial treatment on all water-damaged wood framing, and temporary living expense eligibility for uninhabitable properties. These items are systematically underdocumented in initial adjuster estimates because they require specific knowledge of restoration operations that field adjusters do not always possess.
Different carriers have different patterns for denying supplements, and our specialists are familiar with the specific denial language and approval thresholds of Allstate, State Farm, USAA, Travelers, Liberty Mutual, Farmers, Nationwide, and other major carriers. Each supplement includes language specifically tailored to the carrier reviewing it — their internal terminology, the documentation format they prefer, and the arguments that have the highest approval rate with their desk adjusters. Generic supplement language produces generic results. Carrier-specific language produces carrier-specific approvals.
Every supplement produced by the Chosen Local service is reviewed by a trained claims specialist before it leaves our team. AI drafting tools accelerate the research and drafting process, but human expertise reviews every line item, every dollar amount, and every supporting argument before the document is returned to the contractor. The contractor receives a finished, professional supplement document ready to submit to the carrier without any additional editing required.
The contractor emails us two things: the carrier's initial estimate PDF and the job photos. If the contractor has already written their own Xactimate estimate, they can include that as well — it helps our specialists identify the gap between the contractor's scope and the carrier's scope quickly. No software access is required and no special format is needed. The carrier estimate and photos are sufficient to produce a complete supplement on most jobs.
Within twenty-four to seventy-two business hours, the contractor receives a complete, professionally formatted supplement document that includes the supplemented Xactimate line items with correct codes and quantities, a cover letter with the O&P argument and any code upgrade justifications, a summary of the total supplement amount being requested, and all supporting documentation organized for carrier submission. The contractor submits the supplement directly to their adjuster or uploads it to the carrier portal.
If the supplement is denied or partially denied, contractors can send us the denial letter and we will provide a written denial response addressing each denial reason specifically. Initial denials are common — particularly on O&P — and most carriers reconsider when presented with a formal written response that directly addresses their stated denial rationale. Platform clients have carrier follow-up for unanswered supplements handled automatically by the communication automation module, eliminating the need to manually track which supplements are awaiting carrier response.
Our managed supplement writing service is used by roofing contractors who are running insurance claims jobs and want to maximize recovery on every job without building in-house Xactimate expertise. It is used by restoration companies handling water, fire, and mold claims who need supplement support on complex multi-trade losses. It is used by public adjusters who need a second set of eyes on estimates they are reviewing for their insured clients. And it is used by general contractors who occasionally take insurance work and need supplement support without a full-time dedicated specialist.
The service requires no minimum volume commitment. A contractor can send one job per month or fifty jobs per month — the service is available either way. There is no contract, no monthly retainer for standalone supplement service, and no setup fee. Contractors pay per supplement job. Platform clients who use the full AI operations platform receive supplement status tracking, carrier follow-up automation, and financial reconciliation of approved supplements built into their platform subscription.
The service operates across all fifty states. Contractors in Texas, Ohio, Colorado, Oklahoma, Kansas, Tennessee, Georgia, Florida, and the full Midwest storm corridor are our most active markets because storm activity in these states generates consistent high-volume supplement opportunities. However, the service is available to contractors in any state that writes homeowner or commercial property insurance claims.
No contract. No setup. Email us the estimate and photos and we'll have a finished supplement back to you within 72 hours.
Book a Demo →Internal data note: Statistics labeled "Chosen Local data" or "Chosen Local analysis" are based on Chosen Local's observations across client engagements and supplement service submissions and are not independently verified by a third party. Statistics labeled "industry estimate" reflect commonly cited figures in the roofing and insurance claims industry without a single definitive primary source.
