How Insurance Supplementing Has Changed and What Roofing Contractors Must Do to Stay Profitable

Understand insurance paperwork, including the statement of loss, to identify recoverable depreciation and building code coverage before structuring your supplement.

Be aware of how insurance companies are influencing the market through their contractor networks and understand their implications for your pricing and client relationships.

Thoroughly document all damage with comprehensive photos, mimicking and exceeding what adjusters capture, including often-missed elements like pre-existing starter course on rakes.

When submitting supplements, provide a clear, side-by-side comparison of your estimate with the adjuster's original scope to streamline the review process for the insurance company.

Educate homeowners about the insurance process, explaining paperwork and potential out-of-pocket costs, to build trust and position your company as a reliable guide.

Consider specializing roles within your company for insurance claims; dedicated supplement specialists can be more efficient and up-to-date on trends than sales reps handling supplements themselves.

Leverage building code coverage, especially for items not pre-existing (like decking), as these may be paid at 100% replacement cost value, significantly reducing homeowner out-of-pocket expenses.