How to Write a Roofing Supplement (With a Template)

A roofing supplement is a written request to the insurance carrier to add or correct line items in the adjuster's scope. Writing one is not complicated, but it has to be clear, documented, and in the format the carrier can process.

This guide gives you the structure and a template you can reuse on every job.

Before You Write

• Have the adjuster's full scope in front of you.
• Have your own inspection photos, organized by slope and item.
• Know the local code requirements that apply to the roof.
• Note the manufacturer requirements for the shingle system being installed.

The Structure of a Good Supplement

Each item follows the same pattern: what is missing or underpaid, why it is required, and the evidence. Keep it factual and specific. The reviewer should be able to approve each line without asking a question.

A Reusable Template

• Claim number, property address, date of loss, and your contact details.
• A one paragraph summary: the scope was reviewed against the roof and the items below are required to complete the repair to code and manufacturer specification.
• For each item: the line item name, quantity, the reason it is required, the code or spec reference if any, and the photo reference.
• A closing request for review and a note that you are available for a reinspection if needed.

Common Items to Check For

Drip edge, starter strip, ice and water shield, ridge cap, step and counter flashing, pipe boots, valley metal, steep or high roof charges, debris removal, permit fees, and code upgrades. Our guide to the line items adjusters miss most covers each one.

Mistakes That Get Supplements Denied

• No photos, or photos that do not clearly show the item.
• Vague reasons such as needed for a proper job.
• Quantities that do not match the roof measurements.
• Submitting in a format the carrier cannot process.

Speeding It Up

The slow part is the line by line comparison. AI document processing can read the adjuster scope, compare it against your checklist, and draft the item list, so you review and submit instead of reading from scratch.

The Bottom Line

Write every supplement the same way: item, reason, evidence. Use the template, keep the photos organized, and submit promptly. Consistency is what turns supplements from a fight into a routine.