These three roofing supplement examples from South Carolina turned carrier estimates totaling $45,023 into $84,658 in approved work. That is $39,635 for work the roofers were already doing and simply hadn’t been paid for yet.
None of it came from padding or creative math. It came from things the first estimate left out: a code requirement, a slope nobody climbed, and decking nobody photographed. If you roof in the Lowcountry, you’ve seen all three. You probably just didn’t have the afternoon free to argue about them.
Here’s how each of these roofing supplement examples went: what the carrier wrote, what was missing, how the supplement made the case, and what the roofer collected. All three roofers are current EOD clients in the Charleston area, and we’ve left out names and addresses.
Where South Carolina claims come up short
After a storm, field adjusters move fast, so the first estimate reflects what they could see that day. On South Carolina roofs, the same gaps show up again and again:
- Repairs that code won’t allow. Carriers often push a repair on a wind claim. But patching a roof that doesn’t meet current wind code may not pass with the local building department, which enforces the codes adopted by the South Carolina Building Codes Council. If the estimate ignores code, the roofer eats the difference.
- Slopes that never got inspected. Steep pitches, second stories and solar arrays keep adjusters off whole sections of a roof. What isn’t inspected isn’t paid.
- Decking nobody looked at. Older Lowcountry homes often have plank decking. Gaps between the boards can rule out new shingles over the old deck, but only if someone documents them.
- The extras that pile up. Solar detach and reset, steep and high charges, tear-off labor in August heat. Each line is small, but together they’re your margin.
Roofing supplement example 1: A repair estimate became a full roof
Hanahan, SC · State Farm · $3,914 → $20,013
State Farm paid this wind claim as a repair, at $3,914. However, the roofer knew a repair wasn’t realistic. EOD filed a roofing supplement for a full replacement, and the carrier approved $20,013, about five times the first check.
What was missing. The first estimate never addressed code. A partial repair on a roof that doesn’t meet current wind code may not be permitted by the county. The code documents had been in the claim file for weeks, but the carrier’s review kept circling back to whether the shingles could be repaired. It asked for attempt-to-repair photos before it would consider anything more.
How the supplement made the case. First, EOD sent a repairability test video and documentation of shingle brittleness. When the file stalled, EOD called the carrier and reframed the argument. The question wasn’t whether the shingles could be patched. It was whether the county would allow a patch at all. After that, the carrier pulled the code documents, sent them to management, and approved a full replacement.
The result. $16,099 more for the roofer, closed 50 days after the supplement went in. Of course, repair-versus-replace fights are routine on South Carolina wind claims. This one was won on code, not on shingle condition.
Roofing supplement example 2: The slope the adjuster never saw
Hanahan, SC · USAA · $23,666 → $36,257
USAA’s first estimate covered most of the roof but skipped the rear slope of a detached garage. Because that slope was steep and covered with solar panels, the field adjuster never inspected it. The supplement added it back, and the claim closed at $36,257, a 53% increase.
What was missing. The roofer’s photos showed hail- and wind-damaged shingles on that slope, including shingles running underneath the solar panel brackets. The homeowner had asked for a reinspection, but nobody ever scheduled it.
How the supplement made the case. The carrier’s revised estimate still left out the slope, and the desk adjuster asked for a third-party (ITEL) shingle report. EOD pushed back with a practical argument: replacing the damaged shingles meant pulling the solar mounting brackets, which would disturb the layered waterproofing under each one and invite leaks. Meanwhile, EOD sent the adjuster the exact photos instead of making her dig through the file.
The result. USAA approved the slope without the ITEL report. The roofer collected $12,591 more, closed 57 days after the supplement went in. Still, getting there took steady follow-up through three different carrier contacts. That follow-up is the part of supplementing most roofers never have time for.
Roofing supplement example 3: Plank decking, paid in 19 days
Charleston, SC · SageSure · $17,443 → $28,388
This ranch-style home had plank decking under the old shingles. Even so, SageSure’s first estimate assumed the deck could stay. EOD documented the gaps between the boards and filed for a re-deck plus code items. The claim closed at $28,388, a 63% increase, just 19 days after the supplement went in.
What was missing. However, new shingles need a solid deck. Gaps in old plank decking can rule out installing over it, but the first estimate never looked underneath.
How the supplement made the case. As soon as EOD reviewed the claim, it asked the roofer’s project manager for one thing: photos of the gaps in the decking. Next, those photos went to the carrier with the supplement and supporting code documentation, and EOD kept the file moving.
The result. $10,945 more for the roofer. The approved total actually came in slightly above what the supplement asked for. In other words, one set of photos taken at the right moment did most of the work. (If you want to know which photos carriers actually approve, we published the full list.)
Three roofing supplement examples, side by side
| Claim | Carrier | First estimate | Approved | Increase | EOD fee (10%) | Days to close |
|---|---|---|---|---|---|---|
| Hanahan | State Farm | $3,914 | $20,013 | +$16,099 | $1,610 | 50 |
| Hanahan | USAA | $23,666 | $36,257 | +$12,591 (53%) | $1,259 | 57 |
| Charleston | SageSure | $17,443 | $28,388 | +$10,945 (63%) | $1,095 | 19 |
The roofers collected $39,635 more than the carriers first offered and paid EOD $3,964 for it, out of money they wouldn’t have seen otherwise. Days to close are counted from the day the supplement went to the carrier. Example 1 started as a repair estimate, so its jump isn’t typical.
In short, the pattern behind these roofing supplement examples is simple:
- The roof was already being built. In every case the roofer was doing the full scope of work. The supplement just got the estimate to match it.
- Documentation won, not volume. Each claim turned on one specific argument, backed by specific photos or code documents.
- Follow-up closed the gap. Supplements don’t approve themselves. Each job took repeated calls, emails and escalations.
These three aren’t outliers in kind. In fact, EOD has closed more than 430 South Carolina claims for Lowcountry roofers, recovering more than $1.1 million beyond the carriers’ first estimates. Here’s more on how EOD works with South Carolina roofers. For a longer look at one account, read our Charleston-area roofer case study.
How working with EOD works
Every one of these roofing supplement examples started the same way: you send the claim. Then EOD writes the roofing supplement, works the carrier, and bills only on the increase. Meanwhile, your crews keep building roofs, and nobody in your office has to learn Xactimate.
- Send the job. Upload the carrier estimate, photos and measurements.
- EOD writes the supplement. Our team of former field adjusters writes and reviews every supplement, in Xactimate or Symbility. Most go back to the carrier within 24 hours.
- EOD works the carrier. We follow up with adjusters, desk reviewers and management until the claim closes.
- You get paid, then we do. EOD bills 10% of the difference between the original and final approved estimates, net 28 days from the Friday after the job closes.
There’s no fee without an increase, no minimums and no long-term contract, just a Statement of Work that spells out what we do and what we charge. See our pricing and roofing supplement services for the details.
Try it on one job. For example, pick a recent South Carolina claim you think came up short and send it over. Get in touch or call (612) 488-5643.
Estimate on Demand writes and negotiates roofing supplements on behalf of roofers. We are not public adjusters and do not represent homeowners, assess coverage, or inspect damage. Figures are historical results from the roofers’ job records, not projections; outcomes vary by carrier, adjuster and claim.
