Insurance Supplement Services
For Roofers & General Contractors
When storm damage, hidden issues, or building-code …
…requirements push your project beyond the carrier’s original scope, an insurance supplement ensures the job gets done right — and fully funded.
At Zen Roof Works, we specialize in roofing and construction insurance supplement services for contractors and general construction companies across Texas, Colorado, Oklahoma, Georgia, New Mexico, and throughout the U.S. Our team reviews insurance estimates, identifies missing line items, documents code-required repairs, and builds accurate, defensible, carrier-ready supplements that protect your profit and ensure complete, compliant projects — from roofing to full exterior and interior trades.
We’re not a public adjusting firm — we’re your supplement partner behind the scenes, focused on speed, accuracy, and professionalism. Whether your company manages five jobs a month or five hundred, we help you recover the funds you’re owed while keeping production moving.
What Is an Insurance Supplement?
An insurance supplement is an additional request to the carrier for funds when the original insurance estimate doesn’t cover the full, code-compliant scope of work.
It’s not about inflating costs — it’s about making sure the job can be completed correctly, safely, and within local building code requirements.
In roofing and construction, supplements often cover:
Missed or underpaid line items (flashing, ventilation, drip edge, decking, etc.)
Code-required materials or installation methods not included in the initial estimate
Damage discovered after tear-off or during rebuild
Updated pricing for labor or materials
At Zen Roof Works, we identify those missing items, document them with photos, manufacturer specs, and code citations, and present a professional, defensible Xactimate supplement so contractors get paid for the full scope of work — nothing more, nothing less.
The Zen Roof Works Supplement Process
Step 1:
Project Intake & Gap Analysis
We start by reviewing the carrier estimate, project photos, and supporting documents to identify what’s missing — or to confirm when a supplement isn’t justified. If a scope is already solid, we’ll tell you straight up; we don’t chase minor $20 increases that waste your time or ours. This step includes a full photo and code review so we can determine if anything necessary for a complete, compliant build was overlooked.
Step 2:
Estimate Draft & Submission
Once gaps are verified, our team prepares a professional Xactimate supplement — even if the carrier’s original estimate was written in Symbility. We recreate the scope in Xactimate to ensure proper line-item detail, code compliance, and accuracy, then submit it directly to the carrier for review. We handle the documentation, photos, and justifications start-to-finish so you can stay focused on production. If clarification is needed, we’ll loop you in, but our process is designed for speed and independence.
Step 3:
Adjuster Collaboration
We coordinate directly with the carrier’s desk or field adjuster to review the submitted supplement. Our approach is clear communication backed by complete documentation — not negotiation. We simply present the facts, codes, and photos that justify the scope, ensuring the carrier has everything needed to make a fair and fully supported decision.
Step 4:
Supplement Review & Resolution
After collaboration, the carrier issues an updated estimate or approval. Our team ensures all scope items were properly addressed and that the supplement is reflected accurately. If any discrepancies remain, we provide the necessary clarifications to bring the claim to a clean, final resolution.
Step 5:
Post-Build Supplements
Sometimes new conditions appear after work begins — hidden decking, framing, or code-driven adjustments discovered during tear-off or rebuild. We handle these post-build supplements efficiently, using updated photos, invoices, and field notes to document and submit what changed so you’re not left covering costs out of pocket.
Step 6:
Final Documentation & Close-Out
We reconcile all approvals, change orders, and final invoices to ensure complete alignment between your build, carrier documentation, and payout. This close-out packet protects you during audits and helps keep your financial records clean for both accounting and compliance.
What You Get:
Faster approvals, fewer callbacks, protected profit, and a satisfied homeowner who sees a professional process from start to finish.
Why Use Zen Roof Works
At Zen Roof Works, we’re not chasing every penny — we’re focused on accuracy, compliance, and speed. Our goal is simple: help contractors and construction companies get paid what they’re owed without wasting time on incomplete scopes or endless back-and-forth with carriers.
Here’s what sets us apart:
Integrity First: If a carrier’s scope is solid, we’ll tell you. We don’t push unnecessary supplements or pad estimates — ever.
Precision in Every Line: Each supplement is written in Xactimate, code-cited, and defensible. Even Symbility estimates are recreated accurately for complete documentation.
Carrier Communication That Works: We don’t “negotiate.” We present clear, factual support that helps carriers approve what’s justified — fast.
Nationwide Coverage: Licensed and compliant support for contractors in Texas, Colorado, Oklahoma, Georgia, New Mexico, and across the U.S.
Built for Contractors: Whether you’re managing 5 projects or 500, we help protect your profit margins and your reputation with clean, code-compliant scopes.
Zen Roof Works was built by people who understand what it’s like in the field. We handle the paperwork so you can handle production — faster, cleaner, and with confidence.
Don’t leave money—or quality—on the table.
Send us your carrier scope and photos;
We’ll identify missing line items within 48 hours and map your path to a fully funded project.
Call: (214) 293-4845
Email: info@zenroofworks.com
Zen Roof is Here for You
We’re not a macro-shop. Our team is built around meticulous, case-by-case review. We dig through every inch of the project to make sure the entire job is properly funded—because complete roofs prevent callbacks, protect warranties, and build your reputation. Education is part of our DNA: we explain the “why” behind each line so contractors, carriers, and homeowners are on the same page.
Getting a supplement approved shouldn’t be a battle—and it doesn’t have to be. With Zen Roof Works, you get a partner who understands roofing and the insurance playbook, so your crews can deliver the roof you quoted, the roof the code requires, and the roof the homeowner deserves.