Partner with EOD for your roof supplements

How Our Roofing Supplement Service Works

Most roofers find us the same way: an estimator quit, a storm hit, or the owner noticed that the person writing supplements was also the person selling roofs. Here is exactly what happens once you hand the work to EOD. There is no onboarding fee, no minimum job count and no contract; the first file is treated the same as the five-hundredth.

1. You upload the file

Send us the carrier’s estimate, the roof measurement report (EagleView, Hover, GAF QuickMeasure or Roofr), your photos and the claim details. You can drop them in the EOD client portal or, if you run AccuLynx, JobNimbus, Roofr or another CRM, invite us into it and we work from the job record so your whole team sees the same file. Our photo checklist tells your crew what to shoot; the better the photos, the less back-and-forth with the carrier.

2. A former adjuster reviews the estimate against the roof

Your estimator at EOD used to sit on the carrier’s side of the desk. They read the carrier estimate line by line against the roof report, the photos, the manufacturer’s installation requirements and the building code the jurisdiction has actually adopted, then list every item that is missing, under-counted or mispriced: drip edge, starter, ice-and-water where code requires it, waste, steep and high charges, ventilation, flashing, decking, detach-and-reset items and overhead and profit on multi-trade jobs. We published the line items adjusters miss most if you want to see the list.

3. We write the supplement in Xactimate

The supplement is written in Xactimate, in the same regional price list the carrier used, so the desk adjuster can reconcile it line for line instead of re-keying a spreadsheet. Every added item carries an F9 note with the justification: the code section, the photo reference, the manufacturer spec or the roof report page. You get a PDF and an ESX file and a chance to review before anything goes to the carrier. If you want to see the whole method, we wrote it up: how to write a roofing supplement that gets approved.

4. We submit it to the carrier within 24 hours

Once the file is complete, the supplement is in the carrier’s hands within one business day, through whatever channel that carrier prefers: the claim inbox, the adjuster’s email, a contractor portal or an XactNet address. We keep a working list of carrier claim emails and phone numbers for exactly this reason.

5. We chase it until the revised estimate is issued

This is where most of the work is, and it is the part in-house estimators never have time for. Our claim chasers follow up with the desk adjuster by phone and email on a schedule tied to your state’s claim-handling deadlines, answer pushback item by item with a written rebuttal when needed, and request a reinspection when the carrier will not approve on documentation alone. Every carrier call is recorded, transcribed and summarized so nothing is lost when the file changes hands. Historically our supplements have averaged about 19 days from submission to a revised estimate, but the carrier controls that clock, not us.

6. Tear-off findings, close-out and billing

If the crew finds rotten decking, a second layer or hidden flashing damage during the build, send the photos and we write a second supplement while the job is still open. When the revised estimate is issued, you invoice the carrier for the supplemented scope and we invoice you: 10% of the increase, net 28 from the Friday after the job closes, so the carrier’s money lands before ours is due. No increase, no fee. No minimums.

More Than Residential Xactimate

Most of what we write is residential roofing in Xactimate, but the same estimating desk covers three other kinds of file. Commercial roof supplements for TPO, EPDM, modified bitumen and metal systems, including insulation, tapered systems, rooftop equipment and engineer-report rebuttals. Symbility (Claims Connect) supplements written in the platform Farmers and other Symbility carriers use, so the desk adjuster can reconcile line for line. And estimate writing for public adjusters, where a licensed PA firm handles the claim and we handle the scope. Pricing is the same on all three: 10% of the increase, no increase no fee, no minimums.

What a Roofing Supplement Company Actually Gets Paid For

The list above is a sample of the items that show up on our supplements most often. Some are code items the carrier owes under the policy’s ordinance-or-law coverage (drip edge, ice barrier, ventilation, decking re-nailing); some are quantity corrections the roof report settles (squares, waste, steep and high charges); some are manufacturer requirements (starter, hip-and-ridge cap, synthetic underlayment) and some are trades the roof adjuster never walked to (gutters, siding, interior water damage, detach-and-reset of solar and HVAC). What all of them have in common is that they are real costs of doing the job right, and they are only paid when someone documents and asks. If the carrier’s language is getting in the way, the roofing supplement glossary defines every one of these terms.

Complete Supplement Handling

Estimate on Demand handles your roof supplements needs from post inspection to submittal, supplement & negotiation.

24 Hour Turnaround

Estimate on Demand will complete our review of each roof supplement and return the supplement to the carrier within 24 hours.

Experienced Field Adjusters

Every one of our estimators is an experienced field adjuster. We know exactly how adjusters and carriers operate.

AI Analysis

Every call EOD makes to a carrier is transcribed, analyzed and summarized. This helps us constantly improve our collaboration with carriers, and maintain meticulous documentation.

Dedicated Claim Chasers

EOD has a team of dedicated claim chasers that are in constant contact with carriers to make sure your roof supplements are being worked, files are being sent, and things are getting done. Fast.

Heavy Analytics

EOD tracks every claim we close, and we use those analytics and prior closed claims to help us allocate resources and close additional claims.

Great terms

We don’t want to put our clients out, so we don’t get paid until you get paid.

Results From Real Roofing Companies

We publish anonymized case studies built from our own job data rather than testimonials alone. Three of them so far:

• An Omaha roofing company: 398 supplements handled, about $4.89 million recovered over the carriers’ original estimates. Read the Omaha case study →
• A Charleston-area roofing company: 109 supplements, about $419,000 recovered, across a carrier mix heavy on State Farm and Allstate. Read the Charleston case study →
• A metro-Atlanta public adjusting firm: 1,472 supplements since 2023 and counting, about $4.09 million recovered, a 21-day median close and no backlog. Read the Atlanta case study →

Across all accounts, our historical average increase is 28.6% of RCV, the average time from submission to revised estimate is about 19 days, and 95% of clients who start with us stay. Those are averages across many carriers, states and roof types, not a promise about your next claim; a thorough field adjuster or a carrier that rarely pays code upgrades will pull any file below them.

The People Writing Your Supplements

Every estimator at EOD is a former insurance field adjuster. They have written the carrier’s first estimate on thousands of roofs, they know what a desk adjuster needs to see before approving a line item, and they know which arguments work at which carriers. That background is the whole reason the service works: we are not guessing at what the carrier will accept, we used to be the ones accepting it. You get one account manager who knows your state and your carriers, backed by a team of claim chasers, so the point of contact does not change when your volume does. Meet the whole team on our team page.

Storm RichardsonPresident

Tom CernierLead Estimator

Amy TheriaultEstimator

Cortney BentzEstimator

Sierra Aizer-KeckClient Billing & Admin

Jason GlaspeyTechnology

Roofing Supplement Service FAQ

Do you inspect the roof or meet the adjuster?

No. Estimate on Demand works from your inspection: your photos, your roof report and the carrier’s estimate. We do not go on roofs, meet adjusters in the field or represent the homeowner, which is what keeps us on the estimating side of the line and out of public-adjuster territory. We will tell you exactly what to photograph so the file is complete.

Which CRMs and tools do you work inside?

AccuLynx, JobNimbus, Roofr, Leap and most other roofing CRMs; if you use one, invite us in and we work from your job records. If you do not, we set you up in the EOD client portal. Roof reports from EagleView, Hover, GAF QuickMeasure and Roofr are all fine. We write in Xactimate and deliver a PDF and an ESX file.

What states do you work in?

All fifty, with the most experience in Georgia, South Carolina, Nebraska, Texas, Colorado, Minnesota, Ohio, Kentucky, Indiana and Tennessee. Codes, matching rules and claim deadlines differ by state, so we wrote a page for each of those; see roofing supplements by state.

How fast is the turnaround?

The supplement is in the carrier’s hands within 24 hours of receiving a complete file. After that the carrier controls the clock; our historical average from submission to revised estimate is about 19 days, with a range from one week to six depending on the carrier.

What does it cost, and is there a minimum?

10% of the increase between the carrier’s original estimate and the final approved estimate, billed net 28 after the job closes. No increase, no fee. No monthly fee, no minimum job count, no minimum per job, no contract. Full details are on the pricing page.

Do you handle siding, gutters and interior work?

Yes. Roof supplements are most of what we do, but the same file often carries siding, gutters, fencing and interior water damage from the leak, and the adjuster who wrote the roof usually did not walk the rest of the house. We also write estimates for public adjusters and restoration contractors, so interior scopes are familiar territory.

Are you a public adjuster?

No. Estimate on Demand writes and negotiates supplements on behalf of roofing contractors. We do not represent homeowners, assess coverage or perform damage inspections. If a claim needs a licensed public adjuster, we will say so.

Is EOD an insurance supplementing company?

Yes, for roofers. When roofers search for an insurance supplementing company, they usually mean an outside team that writes the supplement in Xactimate, sends it to the carrier and stays on the desk adjuster until the revised estimate shows up. That’s the whole job here. We work for the roofer, not the homeowner, and we only get paid when the number goes up: 10% of the increase, no increase, no fee.

Do you offer roof insurance claim assistance for roofers?

On the estimating side, yes. We help roofers get the carrier’s estimate right: reviewing the scope against the roof report and local code, writing the supplement, answering pushback with documentation and requesting a reinspection when photos alone won’t do it. We don’t advise homeowners on coverage or negotiate the claim on their behalf. That’s public-adjuster work, and we stay on our side of that line.

Next: check supplement pricing (10% of the increase, no increase no fee), read what an Xactimate roofing supplement is, learn how to get a supplemental roofing estimate, see how roofing insurance claim estimating works, compare the best roofing supplement companies, or see real client results.