Supplement

In our experience, almost every initial Xactimate estimate from a carrier in NC misses something on a hail or wind claim — the most common are drip edge, ice-and-water shield, ridge cap, code-required deck nailing patterns, and like-kind matching for shingles no longer manufactured. A supplement is the formal way the contractor lays out what the scope actually requires, with photos, measurements, and code citations attached.

The supplement process is paperwork-heavy and the homeowner does not pay for it. We build it from the documentation we capture on the inspection, file it with the carrier, and follow it through to a written response. If a homeowner ever feels like a claim was “underpaid,” the answer is almost always a supplement — not a fight, just a properly-documented request for the rest of the job to be funded.