What Is Supplement?

After an adjuster writes the initial scope of loss, the roofing contractor doing the actual work often finds damage, code-required upgrades, or pricing gaps the adjuster's inspection did not capture. The contractor documents those items, typically using the same Xactimate-based estimating software the adjuster used, and submits a supplement asking the insurer to add them to the approved scope and payout.

The tools involved show up together across the research behind this glossary. Xactimate is the estimating software most commonly used to build both the original scope of loss and any supplement. ITEL is a material-pricing and sampling tool sometimes used to verify or challenge a specific material cost within a supplement request.

There is a real content gap this term sits inside. Existing supplement and Xactimate content online is written for adjusters and estimators, technical and process-focused, not for the sales reps and roofing company owners who actually have to explain to a homeowner mid-claim why a supplement is being filed and what it means for their timeline and payout. A sales team that understands supplements well enough to explain them clearly, without overpromising an outcome the insurer has not yet approved, handles a storm-restoration claim conversation with real credibility.