The Key to Maximizing Insurance Claims for Roofing: A Smarter Approach
The Key to Maximizing Insurance Claims for Roofing: A Smarter Approach
For roofing contractors, navigating the world of insurance claims can be just as challenging as installing a complex roofing system. Whether you’re dealing with storm damage, hail claims, or general insurance work, getting paid fairly for your work requires a deep understanding of Xactimate estimates, supplementing, and insurance negotiations.
Yet, many contractors leave thousands of dollars on the table simply because they don’t optimize their claims process. In this guide, we’ll break down how you can maximize insurance estimates and streamline your workflow, and we’ll introduce a game-changing tool that can help you do it all effortlessly.
Understanding the Insurance Estimate Process
When homeowners file an insurance claim for roofing damage, insurance adjusters assess the damage and create an estimate based on standardized pricing using Xactimate, the industry-standard software for insurance claims. However, there’s one major issue: initial estimates are often incomplete.
Insurance adjusters may overlook key damage, leave out necessary materials, or fail to account for local building codes. As a roofing contractor, it’s your responsibility to ensure all required repairs are documented and covered by the claim. This is where supplementing comes into play.
Why Supplementing Insurance Claims is Crucial
Supplementing is the process of requesting additional funds from an insurance company to cover missing or underestimated costs in the original estimate. Without proper supplementing, you could end up absorbing costs out of your own pocket, cutting into your profit margins.
Some of the most commonly overlooked items in insurance estimates include:
Ice and water shield requirements
Flashing and drip edge replacements
Roof decking issues
Steep and high-roof charges
Code upgrades required by local regulations
Most roofing companies already supplement their claims, but the process is often time-consuming, requiring back-and-forth emails with adjusters, extensive documentation, and multiple revisions in Xactimate.
The Problem: Manual Xactimate Estimates Are Slowing You Down
If you’re manually writing Xactimate estimates, you know how tedious and error-prone it can be. Contractors often spend hours inputting line items, adjusting measurements, and ensuring compliance with local building codes. This administrative burden takes time away from your core business—getting roofs built and closing more deals.
The Future of Roofing Insurance Estimates: AI-Powered Automation
This is where technology is changing the game. AI-generated insurance estimates are making it faster and easier for roofing companies to generate highly accurate and optimized Xactimate estimates. Rather than spending hours manually creating estimates or outsourcing them to third-party supplementing companies, contractors can now leverage AI-driven tools that:
Auto-label damage from job site photos
Automatically generate Xactimate estimates in minutes
Ensure compliance with local building codes and weather data
Eliminate human error and speed up the claims process
How XBuild is Transforming Roofing Insurance Estimates
At XBuild, we understand the challenges roofing contractors face when dealing with insurance claims. That’s why we’ve developed a proprietary AI-powered platform that simplifies Xactimate estimate creation—helping contractors get paid faster and more accurately.
With XBuild, you can:
Upload your job photos and let AI detect and label damage
Get a fully detailed Xactimate report within 24 hours
Eliminate the need for costly third-party supplementing services
Try it for free on your first report—no contracts, no subscriptions
The Bottom Line: Work Smarter, Not Harder
If your roofing company is still handling insurance estimates manually, you’re wasting valuable time and money. The industry is shifting toward AI-driven efficiency, and those who adopt technology early will gain a significant competitive advantage.
Stop leaving money on the table. Upload an old job or a new one today and try XBuild’s AI-powered Xactimate estimates for free. Once you experience it for yourself, you’ll see just how powerful this new technology is.
