Here's exactly what we need to build your supplement packet. Required documents are marked. Everything else helps us build a stronger case — send what you have.
At minimum: carrier EOR, your estimate, and inspection photos. That's enough to start. Additional documents — ITEL reports, measurement reports, O&P support, the policy — let us build a fuller argument. We'll tell you if something specific is missing.
The Explanation of Review (or carrier estimate) showing every line item the carrier approved, denied, or adjusted. This is the document we compare against your estimate to find the gap.
Your full scope-of-work estimate — every line item, material, and labor cost you are claiming. This is the baseline we use to identify what the carrier missed or underpaid.
If you have an ITEL identification report, send it. ITEL confirms the exact manufacturer, product line, and color of the existing material — which obligates the carrier to replace it with the identified product at current market cost, not a generic substitute.
An EagleView, GAF QuickMeasure, or similar aerial measurement report. Measurement conflicts are a common denial tactic — having a third-party report closes that argument.
Pre-repair photos documenting the damage as it was found. These are your primary evidence of what was there and what needs to be replaced.
Progress photos taken during tear-off and installation. Useful for documenting deck condition, drip edge installation, ice and water shield placement, and other code-required items.
Final photos of the finished roof. Show the completed work as evidence of full scope execution.
A structural or forensic engineering report if one was obtained. Useful for causation disputes, wind/hail dating, or structural damage claims.
Invoices, contracts, or coordination logs showing that you managed multiple subcontractors on the project. This is supporting documentation for your Overhead & Profit claim — carriers frequently deny O&P without documented coordination.
Material purchase receipts, supplier invoices, or procurement documentation. Shows that materials were actually sourced and purchased — relevant for material cost disputes and O&P support.
A log documenting site visits, crew oversight, and quality control activities. Supports general contractor overhead on multi-trade projects.
The homeowner's policy declarations page and full policy document. Used internally to understand coverage structure, ACV vs. RCV language, ordinance and law coverage, and applicable endorsements. We use this behind the scenes to frame your supplement correctly — not to interpret coverage on behalf of the insured.
You receive a secure portal login — no app download needed.
Drag and drop into your secure file. Each document is stored encrypted.
Your supplement packet is ready within 48 hours. We submit to the carrier on your behalf — you stay in the field.
Your first review is free. Send us what you have and we'll show you what's recoverable.
Get My Free First Review10% success fee on recovered amounts — $150 minimum. No recovery, no fee beyond the minimum.