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Supplement Blog

Practical guides on supplement analysis, carrier tactics, and recovering what you're owed.

O&PSupplement Basics5 min read

What Is O&P and Why Do Carriers Keep Denying It?

Overhead and profit is one of the most commonly missed — and most commonly denied — line items on roofing claims. Here's what it is, why you're entitled to it, and how to fight when the carrier says no.

June 25, 2026

Code ItemsSupplement Basics4 min read

Drip Edge: Why Carriers Leave It Off and How to Get It Back

Drip edge is required by building code on nearly every re-roof in the country. Carriers routinely omit it. Here's the code citation, the Xactimate line item, and how to supplement it correctly.

June 25, 2026

Supplement BasicsProcess6 min read

Carrier Underpaid Your Roof Claim — Here's What to Do

Your carrier cut the estimate, denied line items, or closed the claim short. This is what the supplement process looks like and exactly what to send to reopen it.

June 30, 2026

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