The Problem with Supplement Writers: 

Why AccuspeX Takes a Different Approach

When it comes to managing insurance claims, one thing every roofing contractor knows is the importance of supplementation—reconciling the difference between the carrier's initial estimate, and a true fair-market-value to restore. But here’s the catch: not all supplement writers are created equal. 

And many of the methods that most roofing companies are using today might actually be holding them back from maximizing their claims potential. At AccuspeX, we’ve taken a different approach, focusing on accuracy, transparency, and maximizing fair-market-value settlements in a way that traditional supplement writers just can’t match. 

The Common Pitfall: Percentage-Based Fees

Many supplement writers operate on a percentage-based fee model, which means they take a portion of the increase in the claim after it's been approved. The higher the claim increase, the more they make.

Here’s the problem with that: this system creates an inherent conflict of interest. Supplement writers are incentivized to inflate claims, which can lead to unnecessary supplements and claims that don’t always reflect the actual needs of the property. In turn, this can make the entire process more complicated, increase delays, and, in some cases, damage the relationship between the roofer and the insurance company.

At AccuspeX, we believe in clear, transparent pricing. We charge a flat fee per square—you know exactly what you’re paying upfront, regardless of how much the claim increases as a result of our services. This removes the temptation to “chase” higher increases and ensures that we are only supplementing for what’s truly needed. There’s no incentive to over-inflate the claim, just to get it right, which is something your homeowners and carriers will appreciate. 

The Problem with Sales Reps Performing Inspections

Another issue we frequently see is sales consultants doubling as the ones performing the inspections. At first glance, it seems like a good idea. The person who sells the job should run it to completion, right? But this leads to compromised quality because, "running it to completion", means they are relying on specialized sub-trades for every line of work, but why not the inspection?

Sales reps are experts in selling, not inspecting. When they’re responsible for both selling and documenting, the process often lacks the thoroughness needed to ensure accurate, irrefutable documentation. Sales reps may miss key details or even unintentionally skew their documentation to benefit their sales pitch.

AccuspeX takes the pressure off the sales rep by bringing in expert inspectors whose sole focus is on providing the highest-quality documentation. Our inspectors are skilled professionals, trained in both industry best practices and the intricacies of Xactimate, the leading estimating software used by insurance companies. They understand the nuances of what should and should not be supplemented, and their objective inspections help provide the assurance homeowners need, that their claim is being handled correctly.

The Trouble with Technology-Driven, Self-Managed Inspections

Some supplement writers use apps or AI-driven platforms to automate the inspection process. While automation has its benefits, it can also create critical gaps in the quality and accuracy of the final documentation.

For example, inspection apps depend upon sales reps to collect and submit their own photos and notes through the app. That places the entire burden of performing an expert supplement inspection and adjuster estimate audit on someone who may not be equipped to handle it properly. They are GIGO app models. "Garbage In, Garbage Out".

At AccuspeX, we understand that automation can help—but it’s human expertise that really makes a difference. Our inspectors are supported by AI-driven checks and controls, which ensures that every inspection is thoroughly completed with maximum accuracy, and our audit of the adjuster's initial estimate ensures that nothing important is missed. We’ve designed a system that blends the best of both worlds: 

AI-powered support for efficiency, paired with human expertise to ensure thoroughness and accuracy.

The Importance of Auditing the Adjuster’s Estimate

One of the most overlooked aspects of supplementing claims is the audit of the initial estimate. The adjuster’s estimate is not usually acceptable as-is, and it’s critical that roofing contractors understand exactly what’s been missed or scoped incorrectly in order to make a legitimate supplement request.

Unfortunately, most supplement writers don’t offer a real audit of the adjuster’s estimate. Namely, because you need to audit the estimate before conducting the inspection. That helps the inspector know which areas might need special attention or manual measurements. Without this step, you’re left blindly trying to figure out what should be supplemented—and worse, you might accidentally request something that could get denied because it wasn’t truly necessary - causing a blemish on the contractor's reputation.

AccuspeX is different. We don’t just accept the adjuster’s estimate at face value—we carefully audit it, checking for discrepancies and missed items. If the adjuster has mis-scoped something or left something out, we’ll ensure it’s addressed in our supplement request. 

Why AccuspeX is the Non-Traditional Solution You Need

At AccuspeX, we know that thinking outside the box is the key to providing the best possible service for contractors, homeowners, and insurance companies alike. We don’t just submit supplement requests—we maximize their potential while ensuring that the homeowner receives a fair settlement and that the roofing contractor remains in control. Our base/unit pricing model ensures that you’re paying for value, not inflated claims, and our manual inspections and audit process guarantee that you’re only supplementing what’s necessary.

If you’re tired of the traditional supplement writing models that don’t prioritize quality or transparency, it’s time to partner with AccuspeX. We offer a non-traditional solution that puts your reputation, your operations, and your bottom line first.

Let us help you get the settlement you deserve—without all the complications.