Everything contractors need to know about supplements, Xactimate, pricing, turnaround, and how Sovereign works.
A roofing supplement is additional money recovered from the insurance company after the initial claim estimate. Adjusters routinely miss line items, code upgrades, O&P, and other recoverable costs. A supplement formally documents and submits these missing items to the carrier for additional payment. Most residential supplements recover $4,000–$6,000 above the original adjuster estimate. Read the full guide →
It's not always intentional. Adjusters are often overworked, unfamiliar with local building code requirements, or using templates that don't account for your specific job complexity. During high-volume storm seasons, errors compound — adjusters inspecting 15 roofs a day miss things. The result is the same: initial scopes that don't cover what the job actually costs to complete properly.
The top items: Overhead & Profit (O&P), drip edge, ice and water shield beyond code minimums, permit fees, decking code upgrades, ridge cap shingles, pipe boot replacements, starter strip, ventilation code upgrades, steep pitch premiums, multi-story labor, and debris disposal for multiple layers. See all 15 →
O&P stands for Overhead and Profit — typically 10% overhead plus 10% profit added to the cost of labor and materials. It represents the legitimate cost of running a professional roofing business. Insurance carriers frequently omit it from initial estimates. On a $20,000 claim, O&P adds $4,000 that contractors are rightfully owed. Full O&P guide →
Yes, completely. A supplement is simply documented evidence of legitimate work scope items that were missing from the original estimate. It's not disputing the adjuster's findings — it's adding proper documentation for items that should have been included. Every item in a professional supplement is code-required, manufacturer-required, or a standard component of contractor pricing.
Sovereign charges: 15% of the supplement increase recovered on residential claims, 9% on commercial claims, and 5% on reinspection supplements. There are no upfront fees, no retainers, and no minimums. You only pay when we successfully recover money on your claim.
Sovereign guarantees 24-hour turnaround on all supplement requests submitted before 5 PM CST with a complete scope of loss and supporting documentation. Most supplement companies take 5–10 days. During storm season, that delay costs contractors real money. Why turnaround matters →
Create a free contractor account at sovereignsupplementing.com/portal. Upload your scope of loss, claim number, and supporting photos. That's it — we'll have your supplement back within 24 business hours. No phone calls, no fax, no back-and-forth.
At minimum: the original insurance scope of loss (Xactimate estimate), the claim number, and damage photos. The more documentation you provide — measurements, permit requirements, code references, inspection notes — the stronger the supplement. Use our inspection checklist to capture everything before the job starts.
All claims are tracked in real time through the Sovereign contractor portal. You can see submission status, supplement delivery, and any updates — no phone tag required. You'll also receive email notifications when your claim status changes.
EagleView reports are passed through to contractors at cost with zero markup. We recommend them when there are square footage disputes, pitch discrepancies, or when an objective third-party aerial measurement will significantly strengthen the supplement. EagleView & supplements guide →
Xactimate Level 2 is the highest certification available for Xactimate — the estimating software used by virtually every insurance carrier in North America. Level 2 certified estimators demonstrate advanced proficiency in writing accurate, complete, and defensible estimates. It's the difference between a supplement that carriers accept and one they push back on.
No. Roofing supplement companies operate legally as contractors supplementing on behalf of the roofing contractor — not as public adjusters. In Texas and most states, the supplement is submitted by the licensed roofing contractor, with Sovereign providing the Xactimate documentation. No PA license required.
All of them. State Farm, Allstate, Farmers, USAA, Liberty Mutual, Nationwide, Travelers, Chubb, and every other carrier operating in storm markets. Our Xactimate estimates are written in the format all carriers accept — there's no carrier we can't work with.
A denial is not the end. We resubmit with stronger documentation, escalate to supervisors, and request written denials with specific policy citations — which most carriers can't produce. For Texas claims, we can walk you through filing a TDI complaint if the carrier is improperly handling the claim. Full denial guide →
A reinspection supplement is submitted when an initial claim was denied or significantly underpaid. We conduct a thorough scope review, document all recoverable items, and submit a formal reinspection request. Sovereign's fee for reinspections is 5% of the increase recovered — the lowest rate in our pricing structure.
Yes, in most cases. As long as the claim is still open (or can be reopened), a supplement can be submitted. In Texas, most homeowner policies allow supplemental claims to be filed within 2 years of the loss date. Check the specific policy terms, but most residential claims are still supplementable months after initial payment.
Financial incentive — $4,000 per claim across thousands of claims adds up to hundreds of millions across a carrier's book of business. Their common arguments ("you're a specialty contractor," "no GC needed") are weak and frequently successfully challenged. A properly documented O&P supplement — with contractor license, insurance, and written estimate — is very difficult for carriers to legitimately deny. O&P full guide →
No. Sovereign is Texas-based but serves contractors nationwide. We work claims in all 50 states. Our deepest market expertise is in Texas, Oklahoma, and the broader storm corridor — but every state's building codes and carrier patterns are in our system. Texas market page →
Yes. Commercial supplements are one of our specialties. We handle TPO, metal, modified bitumen, built-up roofing, and EPDM systems. Our commercial fee is 9% of the increase recovered — and commercial supplements are typically significantly larger than residential. Commercial supplement guide →
No minimums. We work residential claims of all sizes. For very small claims, we'll give you an honest assessment of whether a supplement is likely to produce meaningful recovery before you commit to submitting.