How it works
On storm and insurance roofing jobs, the adjuster’s first estimate often leaves things out: code-required underlayment, drip edge, extra layers found at tear-off, or rotted decking. The contractor documents what’s missing with photos, measurements and code references, and submits a supplement. If the insurer approves it, the claim payment goes up.
There are legal lines. Texas: No public adjusting by a contractor on property it’s working on. Florida restricts roof-claim solicitation and bans inducements such as deductible waivers, with penalties of Up to $10,000 per violation.
Why it matters when you hire
Supplement skill is one of the things that separates strong storm reps. Ask candidates how they document damage, how they work with adjusters, and what they typically added through supplements, then check it against their pay records.
On a 10/50/50 plan, supplements raise the rep’s pay too, so make sure someone in the office reviews every file before it goes out.