Win the supplement with documentation, not arguments
Most underpaid scopes come down to missing documentation: footprint area instead of true plane area, no pitch factor, no waste for a cut-up roof, or a 'repair' scope for a shingle that hasn't been manufactured in years. Rooftops AI gives you the evidence — facet-level measurements, pitch factors, and discontinued-product identification — and Roofy, the AI assistant, drafts the supplement justification in language adjusters recognize.
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Supplement value estimator
What commonly omitted line items are worth on this claim.
National ballpark unit prices for planning; your supplement should use documented local pricing with photos and code citations. Industry studies put the average recovered supplement at $7,000 to $8,000 per claim.
How it works
Document the roof
Satellite measurements establish true plane area, per-facet pitch, and complexity — the numbers scope disputes turn on.
Identify the shingle
Shingle ID matches the exact product from a photo and flags discontinued lines, supporting full-slope or full-roof replacement arguments.
Draft the supplement
Ask Roofy to draft the justification: measurement discrepancies, pitch factors, waste, code items, and matching arguments — ready to send.
What you get
Measurement discrepancies, proven
When the carrier's scope says 22 squares and the roof measures 28.4, you have facet-level data and pitch factors to show why.
Discontinued-shingle documentation
Shingle ID identifies the product and its production status — the backbone of a matching-based replacement argument.
Adjuster-ready language
Roofy drafts supplement letters citing the measurement math, waste factors, and code considerations, in a professional tone.
Faster storm response
After a hail event, run reports on the whole neighborhood in an afternoon instead of ordering measurements one at a time.
Why carrier estimates come in short
Initial carrier estimates on roof claims routinely omit legitimate scope: drip edge, starter strip, dedicated ridge cap, ice and water barrier where code requires it, steep and multi-story labor charges, adequate waste, disposal tonnage, and permits. Industry analyses put the typical gap between the first estimate and the final approved scope at 15 to 40 percent, and average recovered supplements at $7,000 to $8,000 per claim. That money belongs to the job; recovering it is documentation work, not confrontation.
The mechanism is mundane: desk adjusters write from templates and photographs, and anything not proven tends not to appear. A supplement is simply the proof: the measured quantity, the photo, and the code or manufacturer requirement for each missing line.
The anatomy of a supplement that gets paid
Winning supplements share a shape. Each line item carries three things: a quantity derived from real measurements (drip edge footage from measured eaves and rakes, not a guess), a justification (IRC code section, manufacturer installation requirement, or physical necessity), and visual proof. Submissions in clean, line-item form get approved faster than narrative letters because the reviewer can check them against their own estimate line by line.
The commonly missed multipliers deserve attention: steep-slope labor past 7/12, second-story access, second-layer tear-off disposal, and overhead and profit where three or more trades touch the loss. None of these is exotic; all of them are routinely stripped.
Where Rooftops AI fits in the claim
Every full report carries the raw material of a supplement: measured area and pitch, ridge, valley, and eave footage, a complexity-based waste factor, and the verified storm history that anchors the date of loss. The Insurance tab assembles it: lock the verified storm date with its NWS citation, run the checklist of commonly omitted items with quantities derived from the measured roof, and print a claim packet for the adjuster meeting.
One honest boundary: contractors document and price their own scope; they do not negotiate coverage on the homeowner's behalf unless licensed to. The strongest position is the contractor whose paperwork is so complete that negotiation barely happens.
Try it on a real address — free
Your first 3 full roof reports are on us. No credit card required.
Frequently asked questions
How does this help with underpaid scopes?
It gives you documented measurements — true plane area, per-facet pitch, waste factor — plus AI-drafted justification language, so your supplement is an evidence package rather than a disagreement.
Can it prove a shingle is discontinued?
Shingle ID identifies the manufacturer, product line, and production status from a photo. Discontinued products are flagged, which supports matching-based full-replacement arguments in many jurisdictions.
Does it write the supplement for me?
Roofy drafts the justification narrative from your report's numbers. You review, adjust to the claim's specifics, and send.
Is this legal/compliance advice?
No — it's documentation and drafting help. Claim strategy and jurisdiction-specific matching rules are yours to apply.