Supplemental Estimating
Get Paid What You're Owed
Insurance carriers underestimate. We correct that. Our supplemental estimating service recovers missed line items, challenges undervalued scopes, and rebuilds claims with the documentation needed to win higher settlements — fast.
Why Supplemental Estimates Matter
The first estimate is rarely the final word. Supplementals exist to correct errors, recover omissions, and ensure the true cost of damage is recognized by the carrier.
Recover What Was Missed
Insurance carriers routinely underpay on first-pass estimates. Our supplemental estimates identify every missed or undervalued line item — from code upgrades and depreciation disputes to labor minimums and material escalation — ensuring nothing is left on the table.
Line-by-Line Audit
We conduct a forensic review of the original carrier estimate against the actual scope of damage. Every item is cross-referenced against current Xactimate pricing, local labor rates, and applicable code requirements to build a bulletproof supplement.
Maximize Settlement Value
Supplementals are one of the most powerful tools a public adjuster or contractor has. A well-documented supplement with proper Xactimate line items and supporting documentation consistently results in significantly higher final settlements.
Carrier-Ready Documentation
Every supplemental estimate we produce is formatted for direct submission to the insurance carrier. Clear, professional, and organized — reducing back-and-forth and accelerating approval timelines.
Catch Hidden Damage Costs
Damage to secondary structures, hidden moisture intrusion, code-required upgrades, and general contractor overhead are commonly overlooked. We flag these categories systematically on every supplemental review.
Works on Any Claim Stage
Whether the claim is freshly denied, partially paid, or years old and still open, supplemental estimates can be submitted at any point in the claims lifecycle. It is never too late to reopen and strengthen a claim.
"A well-documented supplement with proper Xactimate line items and supporting evidence consistently recovers more than the carrier's first-pass estimate — that is the entire point of reopening the claim."
How It Works
Submit the Original Estimate
Send us the carrier's initial estimate along with any available inspection photos, reports, or documentation.
Forensic Line-Item Review
Our certified estimators audit every line for omissions, undervaluation, depreciation errors, and missing code items.
Supplemental Estimate Built
We produce a complete, carrier-ready Xactimate supplemental estimate with supporting notes and documentation.
Delivered Within 24–48 Hours
Ready to submit directly to the carrier or attach to your public adjuster file.
Who Uses Supplemental Estimating?
Public Adjusters reopening underpaid or denied claims
Restoration Contractors with unpaid scopes of work
Property Damage Attorneys building litigation support files
Roofing Companies disputing partial approvals
Property Owners challenging low carrier settlements
Insurance Professionals handling large loss portfolios