Your Xactimate Estimate Came in Low. Here's Exactly What to Do Next.

A Low Estimate Is Not a Final Answer

When an insurance adjuster submits a Xactimate estimate that's $3,000–$8,000 below what a proper roof replacement actually costs, most roofing contractors do one of two things: they eat the difference, or they walk away from the job. Both are wrong.

A low Xactimate estimate is a starting point for negotiation, not a final decision. Insurance companies are legally obligated to pay for a complete, code-compliant roof replacement — not a discounted version of one. Here's the step-by-step process for supplementing a roofing claim and getting the full amount approved.

Step 1: Document Everything Before You Touch the Roof

Before any work begins, document the existing roof condition with photos and measurements. Take photos of every slope, every valley, every penetration, and every area of damage. Measure the actual square footage — don't rely on the adjuster's measurements, which are frequently wrong. Use a drone or satellite measurement service (EagleView, GAF QuickMeasure) to get a certified measurement report.

This documentation is your evidence. If the adjuster disputes your measurements or the extent of damage, you have a certified report to back up your position.

Step 2: Compare the Estimate Line by Line

Print the adjuster's Xactimate estimate and compare it line by line against your own scope of work. For every line item that's missing or undervalued, note the discrepancy and the reason it's wrong. Common discrepancies include:

• Missing starter strip, drip edge, hip & ridge cap
• Missing ice & water shield (especially in cold climates)
• Wrong square footage (use your certified measurement report)
• Missing O&P
• Missing permit fees
• Wrong shingle grade (generic vs. manufacturer-matching)
• Missing step flashing at wall intersections

Step 3: Write a Supplement Letter for Each Discrepancy

For each line item discrepancy, write a supplement letter that identifies the missing item, states the Xactimate activity code, cites the IRC section or manufacturer requirement that makes it mandatory, and states the dollar amount. Don't lump everything into one vague letter — address each item separately so the adjuster can approve them individually.

Step 4: Request a Re-Inspection

If the adjuster's estimate is significantly below your documented scope, request a re-inspection in writing. Provide your certified measurement report, your photo documentation, and your supplement letter. Most adjusters will agree to a re-inspection when presented with a well-documented supplement request — it's easier to approve the supplement than to defend a denial in writing.

Step 5: Escalate If Necessary

If the adjuster maintains a low estimate after your supplement request and re-inspection, escalate to their supervisor. If the supervisor maintains the position, file a complaint with your state's department of insurance. Most states have regulations requiring insurers to pay for code-compliant repairs — a low Xactimate estimate that doesn't meet code is a regulatory violation, not just a disagreement.

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