Roofing Insurance Supplement Service
When an insurance scope misses the real cost of a roof, your cash flow takes the hit. Zen Roof Works offers a roofing insurance supplement service built for roofing companies and GCs who want accuracy without the grind. We don’t “run a macro” and hope for the best—we take a strategic, line-by-line approach that documents code requirements, manufacturer specs, access and safety, waste factors, detach/reset items, steep/two-story charges, and every legitimate line item the carrier overlooked.
With years of experience working directly with adjusters, we know how to present clean, defensible supplements that move quickly and minimize the back-and-forth. From photo evidence and test squares to Xactimate formatting and local pricing, we assemble the package the carrier expects—so you can get paid what the job actually costs. You focus on production and customers; we’ll handle the paperwork, push it across the finish line, and protect your margins.
How a Roofing Supplement Works
A roofing supplement is the documented, line-item case for everything the carrier’s initial scope missed. Here’s how we handle it—fast, clean, defensible.
Intake & Scope Review
We audit the carrier estimate against your contract, photos, measurements, and code requirements to find missed or under-scoped items.Evidence & Code Pack
We compile photo annotations, test squares, manufacturer specs, building code citations, access/safety needs, steep/two-story charges, waste factors, detach/reset items, and permit fees.Xactimate Build (No canned macros)
We draft a detailed Xactimate estimate with correct line items, quantities, and local price lists—starter, hip/ridge, drip edge, flashing, ice & water, ventilation, decking, and more—each tied to proof.Submission & Justification
We deliver a polished supplement packet with notes that explain why each line is required, reducing back-and-forth.Carrier Collaboration
We work directly with the adjuster to answer questions, provide clarifications, and negotiate legitimate additions.Revisions & Approval
We incorporate any reasonable carrier edits, finalize the scope, and secure written approval.Closeout & Payment Support
We align the approved scope with your production plan, help with final documentation, and track the supplement through payment—so you’re made whole on the job’s true cost.
Because we don’t guess—we verify. Our team digs through every inch of the project, from attic ventilation to drip edge, to make sure the roofing supplement captures the true scope and that the insurance company funds what the job actually requires. We pair a forensic scope audit with line-by-line Xactimate estimating, tying every item to photo evidence, manufacturer specs, and code citations.
Just as important, we lead with education. We explain why each line is needed—in plain language—so your team, the carrier, and the homeowner are on the same page from day one. That clarity reduces friction, shortens approval cycles, and keeps production moving. You’ll get organized packets, clean justifications, and proactive communication that preempts adjuster objections. The result: fewer reworks, faster approvals, and healthier margins—without the back-and-forth headaches.
If you want a partner who documents precisely, advocates professionally, and aligns everyone around the facts, Zen Roof Works is the way to go.
Why Choose Zen Roof Works
When the carrier’s scope falls short, you shouldn’t have to eat the difference. Zen Roof Works builds a clean, defensible roofing supplement—line by line in Xactimate—so the job is funded for what it truly requires.
Let’s Get You the Money Your Project Deserves
We document every inch of the project, educate all parties on the “why,” and keep everyone aligned to minimize delays and protect your margins. If you’re ready to turn underscoped claims into approved, production-ready projects, send us your carrier scope and photos—we’ll take it from there.
Get a fast, detailed supplement that gets you paid what the job costs.
Contact us
At Zen Roof Works, Inc., we take the hassle out of insurance supplements so you can focus on running your business. Our clients see over 30% average increases in claim payouts—don’t leave money on the table. Whether you need a claim reviewed or have questions, we’re here to help.