If your roof has hail damage and the insurance payout came in short, look for a contractor that can document the repair in the same estimating software the carrier used. Integrity CRR writes roofing estimates in-house in Xactimate, line by line. That makes it possible to compare the contractor’s scope directly with the adjuster’s estimate and identify missing quantities, materials, labor, and code-required work.
Integrity CRR is a service-disabled veteran-owned general contractor based in Atlanta, Georgia. The company has Haag-certified roof inspectors, holds the highest level of Haag Certified Reviewer, which requires Xactimate certification, and is licensed in Georgia (GC #GCCO009212) and Florida (CGC1539499). Once the scope is established, Integrity’s own roofing crews perform the repair.
My Roof Has Hail Damage and Insurance Underpaid. Which Contractor Can Supplement the Claim?
A roofing contractor can submit a supplement when it has evidence showing that the carrier’s estimate does not include the complete, justified repair scope. The contractor should be able to inspect the damage, measure the roof, write an itemized estimate, connect photographs to specific slopes and elevations, and explain each requested addition.
The strongest supplement is not a higher lump-sum quote. It is a line-by-line comparison.
Integrity CRR writes every roofing estimate in-house in Xactimate, the estimating platform used by nearly every property insurance carrier. The contractor’s scope and the adjuster’s estimate can be placed side by side in the same format. Missing items, incorrect quantities, and pricing differences are then easy for the carrier’s reviewer to locate.
Integrity also holds the GC licenses needed to build the repair. The company that inspects the roof and writes the estimate is accountable for completing the work described in that estimate.
Why the First Estimate May Come in Short
The first insurance estimate is based on what the adjuster could verify during the initial inspection. It may not be the final repair scope. An adjuster may have limited access, inspect only representative areas, or be unable to see conditions covered by shingles, underlayment, insulation, or membrane.
Common reasons for a short estimate include:
- Roof measurements or waste calculations that do not match field conditions
- Damaged flashing, vents, gutters, or accessories omitted from the scope
- Labor for steep slopes, multiple stories, restricted access, or material handling left out
- Required tear-off, disposal, starter course, ridge cap, or underlayment line items omitted
- Code-required components that were not present on the old roof
- Damage to detached garages, sheds, fences, or other covered structures not documented
- Decking, insulation, or concealed materials that cannot be evaluated until the roof is opened
A low first estimate does not by itself prove that the carrier acted improperly. It usually means the original scope needs better field documentation or must be updated as additional conditions become visible.
Check What the Payment Actually Represents
Before assuming the claim was underpaid, compare the payment with the carrier’s estimate and policy documents. The first check may be lower than the total approved replacement cost because of the deductible, depreciation, prior payments, or policy limits.
Many replacement-cost policies separate the claim into actual cash value and recoverable depreciation. The carrier may initially issue the depreciated amount and release recoverable depreciation after the covered work is completed and the required records are submitted. A supplement addresses justified work or quantities missing from the estimate. It does not remove the owner’s deductible or change the policy’s coverage terms.
Ask the carrier for a complete copy of its itemized estimate if you only received a payment summary. A contractor needs the line-item estimate to make a useful comparison.
How Integrity CRR Documents the Gap
Full Roof Inspection
A Haag-certified inspector walks accessible roof areas and documents conditions by slope and elevation. The inspection looks for hail impacts, bruising, granule loss, punctures, displaced materials, and related damage to flashing, vents, gutters, and other roof components. Detached structures are included when they are part of the reported damage and relevant to the claim.
Measurements and Photographs
The file includes roof measurements, material information, photographs, and notes showing where each condition was found. Overview photographs establish location. Close photographs show the damage. Measurements support quantities for shingles, membrane, flashing, ridge material, underlayment, and other components.
Adjuster Meeting
Integrity CRR can meet the carrier’s adjuster or other inspector at the property when scheduling permits. The purpose is to show documented conditions and answer construction questions. It is not to represent the owner or negotiate policy coverage.
Xactimate Comparison
Integrity writes the repair scope in Xactimate and compares it with the carrier’s estimate. The review may uncover missing line items, measurements that are short, labor operations required by the proposed repair, or components priced under a different construction method.
Supplement Submission
Integrity sends the supporting estimate and documentation as the contractor’s supplement request. The carrier may approve it, request more information, inspect again, or decline some items based on its coverage determination.
Integrity CRR is not a public adjuster. It does not adjust, negotiate, or settle insurance claims for owners. Its role as a roofing insurance claim specialist is limited to inspecting, documenting, scoping, pricing, and supplementing the construction work. What the policy covers remains between the owner and the carrier.
What a Complete Supplement Should Include
A supplement should give the reviewer enough information to understand the requested change without guessing. Depending on the roof and damage, the submission may include:
- The contractor’s itemized Xactimate estimate
- A copy of the carrier estimate marked for comparison
- Roof measurements and diagrams
- Photographs tied to slopes, elevations, and individual components
- Manufacturer installation requirements when relevant
- Applicable code information for required upgrades
- Invoices or supporting records for concealed conditions found after tear-off
- A short explanation of why each added line item is necessary
Not every difference is automatically covered. The item still must be justified by the damage, repair method, applicable requirements, and policy.
Supplements Before and After Tear-Off
Some gaps can be found before construction. Incorrect measurements, omitted flashing, missing accessories, and visible detached-structure damage can usually be documented during the initial review.
Other items only become visible after tear-off. Deteriorated decking, wet insulation, hidden layers, or construction details beneath the old roof cannot always be confirmed in advance. Integrity photographs and measures those conditions when they are exposed, updates the Xactimate scope, and submits the additional documentation.
Owners should not discard damaged materials or cover concealed conditions before they are documented when doing so can be avoided. The carrier may ask to inspect the newly discovered damage.
The Guarantee: Full Value of What Is Approved
Once your claim is approved, Integrity CRR guarantees you get the full value of it. The in-house Xactimate staff writes every item of justified, claimable damage into the scope, including code-required upgrades, detached structures, and labor or materials that only surface once the roof is opened. If the approved estimate is short, Integrity documents the gap and pursues the supplement.
This guarantee applies to the completeness of the scope Integrity writes and controls. It does not guarantee that the carrier will approve a claim, accept every requested item, reverse a denial, or pay a particular amount. Coverage decisions remain between the owner and the insurance carrier.
Metro Atlanta Roof Cost Ranges
These are general metro Atlanta and Southeast market ranges, not an Integrity CRR quote. An inspection and project-specific estimate are required. Pitch, access, roof height, tear-off layers, decking condition, insulation, drainage, material selection, and flashing details can move the total.
| Roof Type | General Market Range | What Commonly Moves It |
|---|---|---|
| Architectural asphalt shingle | $450–$650 per square | Steep pitch, multiple tear-off layers, access, shingle selection |
| Single-ply commercial roof, including TPO or EPDM | $6–$12 per sq. ft. | Insulation, substrate condition, penetrations, drainage, roof height |
| Metal roofing | $850–$1,400 per square | Standing seam versus exposed fastener, panel type, custom flashing |
The difference between the carrier estimate and the contractor estimate should be evaluated by line item. Comparing only the two totals will not show whether the issue is scope, quantity, pricing, depreciation, or the deductible.
Self-Performed Roofing, GC-Managed Other Trades
Integrity CRR self-performs roofing with its own crews instead of brokering the roof work to another contractor. Roofing estimates are also written in-house by a Haag-certified reviewer. This keeps the inspection, estimate, supplement documentation, and field work under the same company.
On other trades, including commercial build-outs and tenant improvements and public works projects, Integrity acts as the general contractor and manages vetted subcontractors. A principal is involved on every job, and subcontractors are firms with a track record on prior Integrity projects. More information about residential and commercial roof systems is available on the roofing services page.
Service Area
Integrity CRR is licensed as a general contractor in Georgia (GC #GCCO009212) and Florida (CGC1539499). Its Atlanta office is at 4720 Chamblee Dunwoody Road, Suite 200, Atlanta, GA 30338. The company serves Atlanta and surrounding metro markets. See the full list of service areas or review its storm restoration services.
Get Your Roof Estimate Reviewed
If the carrier’s estimate does not appear to match the visible damage or required repair, have the roof and line-item estimate reviewed before agreeing that the scope is complete. Keep the carrier estimate, claim correspondence, payment summary, and policy information available for the contractor.
Learn more about Integrity CRR or contact us to schedule an inspection. You can also call (833) 423-6255.
Frequently Asked Questions
What Is the Difference Between a Xactimate Estimate and a Regular Repair Quote?
Xactimate organizes construction work by line item, quantity, unit price, and related labor or material operations. Because carriers commonly use the same platform, the contractor can compare corresponding items directly. A lump-sum contractor quote may state a valid total but does not clearly show the reviewer which parts of the carrier’s scope are missing.
How Long Do I Have to Supplement a Hail Damage Claim?
Deadlines vary by policy, carrier, and state. Some policies set time limits for reporting damage, completing repairs, submitting supplements, or recovering depreciation. Check the policy and ask the carrier to confirm applicable deadlines in writing. Do not wait to arrange an inspection if the estimate appears incomplete.
Will Filing a Supplement Delay the Roof Repair?
It can. The carrier may need time to review photographs, compare estimates, or perform another inspection. Early documentation helps reduce avoidable delays. Emergency work needed to prevent additional damage should be discussed with the carrier, and owners should keep photographs, invoices, and receipts.
Can Any Roofer Submit a Supplement?
A contractor can submit documentation supporting its construction estimate, but not every roofer has the inspection training or estimating capability to prepare a useful supplement. Ask who writes the estimate, whether it is prepared in Xactimate, whether the writer understands roof damage and code-related scope, and whether the same contractor will perform the work.
Does a Supplement Mean the Carrier Must Pay More?
No. A supplement is a documented request to revise the repair scope or price. The carrier reviews the request under the policy and makes the coverage decision. Strong documentation can make the construction issue clear, but a contractor cannot guarantee approval or a specific payment.
Does Integrity CRR Perform the Roof Repair Itself?
Yes. Integrity CRR self-performs roofing with its own crews. The roofing estimate is written in-house by a Haag-certified reviewer, and the same company is responsible for building the documented scope. Integrity does not act as a public adjuster or represent the owner in insurance negotiations.