Free, ungated, copy-paste ready
Insurance Supplement Cover Letter Template
The Insurance Supplement Cover Letter Template is the letter a roofing contractor sends to an insurance carrier or independent adjuster to request payment for legitimate scope the original estimate missed. On storm claims, the first estimate almost never covers everything the job actually requires — drip edge, ridge ventilation, steep or high charges, code-driven decking or ice-and-water, and permit fees are common omissions. A professional, itemized cover letter is how you get those items approved without a phone-tag war. This template is built for owner-operators and estimators who handle their own supplements and want a repeatable, credible format instead of reinventing the letter on every claim. It pairs your field documentation with a clear line-item request and a justification for each item. Copy it, fill in the bracketed fields for the specific claim, attach your photos and measurements, and send. The full letter is on this page — no email wall, no sample-only tease.
Letterhead, Recipient & Claim Reference
[Company name] | License #: [number] | [address] | [phone] | [email] | Date: [date]
To: [Adjuster name], [Carrier or independent adjusting firm]
RE: Supplemental estimate request — [Insured name], [property address]
Claim #: [claim number] | Policy #: [policy number] | Date of Loss: [date] | Original estimate dated: [date]
Opening — Purpose of This Letter
Dear [Adjuster name],
We are the contractor of record for the property referenced above and have been engaged by [insured name] to complete the covered repairs.
After comparing the approved scope dated [date] against actual field conditions and the applicable building code, we are submitting this supplement for line items necessary to return the property to pre-loss condition and to complete the work in a code-compliant, workmanlike manner.
Our itemized request and supporting documentation follow.
Field Conditions vs. Approved Scope
Approved scope total: [$amount], covering [brief summary — e.g., 28 SQ architectural shingle replacement].
During measurement and tear-off we confirmed the following conditions not fully addressed in the approved estimate: [list — e.g., additional squares from measurement, decking rot, missing drip edge, two-story or steep access, ventilation].
Photos, the measurement report, and material invoices documenting each item are enclosed and referenced by item number below.
Itemized Supplement Request
Note: the bracketed codes below are common estimating-software line codes shown as examples only — confirm the exact code, description, and current pricing in your own estimating platform and price list before submitting; do not submit a code or figure you have not verified.
Item 1 — [line code, e.g. drip edge] Drip edge, [## LF]: not included in the approved scope; required by [cite the adopted code section — verify with the AHJ] and standard practice. Requested: [$amount].
Item 2 — [line code, e.g. ridge cap / ridge vent] Ridge cap and/or ridge vent, [## LF]: field measurement exceeds the approved quantity / ventilation was not addressed. Requested: [$amount].
Item 3 — [line code, e.g. steep / high charge] Steep charge and/or high-roof charge: [x/12 pitch, # stories] confirmed on site. Requested: [$amount].
Item 4 — [line code, e.g. sheathing / re-nail] Decking replacement, [## SF], and/or re-nail to code: rotted or delaminated sheathing found at tear-off (see photos). Requested: [$amount].
Item 5 — [line code, e.g. ice-and-water barrier] Ice-and-water barrier, [## SF]: required at eaves and valleys per the adopted code — verify the section with the AHJ. Requested: [$amount].
Item 6 — Permit fee / [additional item]: [description]. Requested: [$amount].
Supplement subtotal requested: [$amount] — see the attached line-item estimate for full detail.
Code & Manufacturer Justification
Building code: The following items are required by the building code adopted in [jurisdiction]: [list items]. See the cited sections in the enclosed documentation, and verify the exact sections with the local authority having jurisdiction before relying on them.
Manufacturer requirements: [manufacturer]'s published installation instructions require [e.g., specified underlayment, ventilation, fastening pattern] for a valid warranty; confirm the current instructions for the specified product, as omitting required steps can affect the insured's warranty.
Matching / uniform appearance: [describe any relevant line-of-sight or matching consideration for the covered slopes and any applicable policy or state matching provisions — verify the provision that applies].
Supporting Documentation Enclosed
Itemized supplemental estimate ([software / format])
Measurement report ([EagleView / drone], report # [number])
Dated photo documentation, numbered and captioned
Material and disposal invoices [if applicable]
Relevant code excerpts and manufacturer installation instructions
Response Request & Closing
We respectfully request your review and a revised scope reflecting the items above. If any item requires additional documentation, please contact me directly and we will provide it promptly.
To keep the homeowner's repair on schedule, we would appreciate a written response by [date].
Thank you for your time and cooperation.
Sincerely, [name], [title] | [company] | [phone] | [email]
This is a customizable template, not legal advice and not a guarantee of payment. Insurance policy terms, licensing rules, building codes, and estimating-software line codes vary by state, jurisdiction, and platform, and some states regulate how contractors may communicate with carriers or adjust claims. Use only accurate, verifiable figures, line codes, and code citations, and have qualified counsel — and, where required, a licensed public adjuster — review your supplement process before use.
Put it to work.
Pull the approved estimate and your field documentation side by side and list every item the original scope missed or under-measured.
Copy the letter and fill in the claim header and each [bracketed] line item with accurate quantities, verified code citations, verified line codes, and your figures.
Attach the enclosures listed, send it to the adjuster, and log the send date so you can follow up on your requested response date.
Questions, answered.
What is a roofing insurance supplement?
It's a request to the carrier for additional payment covering legitimate scope the original estimate missed — like drip edge, added squares from measurement, code-driven decking or ice-and-water, and steep or high charges.
Is this supplement cover letter template free and usable as-is?
Yes — the entire letter is on this page. Fill in the bracketed fields for your claim, attach your documentation, and send. There's no download form.
What should I attach to a supplement?
Your itemized estimate, a measurement report, dated and numbered photos, material and disposal invoices where relevant, and the specific code or manufacturer requirements you're citing.
Do I need a public adjuster or attorney to send this?
Often no — many contractors submit their own supplements. But some states restrict how contractors can adjust or negotiate claims, so check your state's rules and involve a licensed public adjuster or counsel where required.
How long should I wait for a response?
Set a specific response date in the letter and follow up if you don't hear back. If items are denied without a stated basis, resubmit with additional documentation or escalate through the carrier's process.
Stop re-typing it every time.
The Roofing OS auto-builds this supplement letter from your claim file — pulling the claim header, matching your line items and photos, and dropping in your figures so every supplement goes out consistent and complete.