Roof supplement basics
A roof supplement requests additional line items or quantities on an insurance claim when the carrier's roofing estimate does not cover code, access, materials, or waste required for a proper install. It is the same supplement process used on interior losses, applied to steep-slope, ventilation, flashing, and matching issues.
Common roofing scope gaps
- Steep and high charges not applied to pitch.
- Ice and water shield in valleys and eaves where code requires.
- Ridge, hip, and ventilation components omitted or under-counted.
- Drip edge, starter, and manufacturer-specific accessory rows.
- Detach and reset for satellite, solar, or HVAC penetrations.
Document like an installer, not just a salesman
Elevation photos, pitch measurements, shingle sample matching, and permit requirements belong in the file before you argue line items. Carriers approve roofing supplements they can trace to evidence — not rhetoric.