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Roof insurance supplement calculator
Check the commonly-missed Xactimate line items a storm estimate can leave off, edit the ranges to your local pricing, and see a typical recoverable supplement range — all in your browser.
Typical recoverable supplement
$1,610 – $3,330
Starting with 5 commonly-missed items checked — add or remove to match your estimate. You have 5 items checked. Every number is editable — replace it with your own local pricing.
Nothing you type here is sent anywhere or saved — your numbers never leave your browser.
Roof supplement checklist — RoofPropage
Typical recoverable estimate: $1,610 – $3,330
- Drip edge (eaves + rakes): $300 – $500 (200 LF of perimeter)
- Ice & water shield (full code coverage): $600 – $1,000 (400 sq ft of added coverage)
- Starter strip (dedicated product): $160 – $280 (200 LF)
- Ridge cap (matched hip & ridge): $200 – $800
- Roof decking / sheathing R&R: $350 – $750 (5 4×8 sheets)
These are typical estimates, not pricing advice. Actual amounts come from your Xactimate estimate and your carrier/adjuster. Built with RoofPropage — roofpropage.com
Typical estimates, not pricing advice
These are typical estimates, not pricing advice. Every range here is compiled from public roofing-industry sources and is meant to show which line items carriers commonly miss — not to predict your final payout. Actual amounts come from your Xactimate estimate and your carrier/adjuster. Every number is editable — replace it with your own local pricing. This tool is not legal, insurance, or pricing advice.
The basics
What is a roofing supplement?
A roofing supplement is a request to add line items and costs to an insurance estimate that were missed, underpriced, or left out of the original scope. After a storm claim, the first estimate rarely captures everything a code-compliant roof replacement actually requires — so the contractor documents what was left off and submits a supplement for the carrier to review.
The checklist above collects the items that most often go missing, with typical ranges you can edit. It’s a starting point for that conversation — not a substitute for your own pricingor your adjuster’s estimate.
The gap
Why carriers miss these line items
It's rarely bad faith — it's templates, measurements, and allowances that quietly leave real work off the page:
- Estimating software ships with templates that omit code-driven items like full ice-and-water coverage.
- Aerial and satellite measurements undercount stories, pitch, and perimeter length.
- Small components — drip edge, starter strip, pipe boots — get folded into general labor.
- Detach-and-reset work (satellite dishes, solar, gutters) is treated as out-of-scope for a roofing estimate.
- Fees and disposal sit on stale flat allowances that lag current dumpster and permit rates.
Straight answer
How much is a roof supplement worth?
It varies — a lot. There’s no single number, because it depends on your roof, your local pricing, your policy, and what the first estimate already covered. The tool above gives you a typical range from public industry sources so you can see which items are commonly missed and roughly what they add up to. The real figure comes from your Xactimate estimate and your carrier or adjuster, not from a calculator.
Next steps
How to use this checklist with your adjuster
A supplement is a documented, itemized request — here's the honest workflow:
- Document the roof thoroughly — photos of every slope, penetration, and area of damage.
- Compare this checklist against the carrier's estimate and note what's missing or underpriced.
- Itemize each missed line with your own local unit pricing, not a generic allowance.
- Submit the supplement to your carrier with supporting photos and any code references.
- Keep a written record of every response as the claim is reviewed.
Turn missed line items into booked jobs
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