Insurance Supplements and Code Compliance

When you file a homeowners insurance claim for roof damage, it’s easy to assume your insurer will cover everything needed for a proper repair. But in reality, most insurance estimates come up short, leaving out code-required and other critical line items or essential repairs. At Shake Roofers, we specialize in supplementing your insurance claim to make sure you get the full coverage you’re entitled to. We don’t just patch roofs; we build them right. Up to code. Every time.

What Is Insurance Supplementing?

Insurance supplementing is the process of identifying missing items in an insurance adjuster’s estimate and submitting a formal request for those items to be added. Most initial estimates are just that, a starting point. They often leave out things like:

• Ice and water shield (required by code in many municipalities)

• Proper roof ventilation upgrades

• Drip edge, flashing, and underlayment

• Plywood decking replacement due to rot or spacing issues

• Permit fees and code enforcement requirements

We know the Xactimate estimating platform inside and out. Our experienced team works directly with insurance carriers to justify every item with photos, code documentation, and real-world pricing.

Why Code Compliance Matters

Cutting corners on a roof might save a buck today. But it will cost you tens of thousands later in leaks, fines, or even total failure.

At Shake Roofers, we understand and follow local and international building codes for every project. Whether it’s spacing on roof decking, proper fasteners, or ensuring the right ventilation ratio, we make sure your new roof is safe, long-lasting, and fully compliant.

We Fight for You

Most homeowners aren’t roofing experts, and insurance companies know that. That’s why they underpay claims and hope you won’t notice. But we notice. We take the time to inspect every detail, document every deficiency, and negotiate on your behalf to ensure your insurance claim includes everything you need. We make sure your job gets done right and fully funded.

Our Proven Process

1. Free Inspection
   We identify storm damage and code compliance issues.

2. Insurance Estimate Review
   We carefully analyze your adjuster’s report for missing or underpaid items.

3. Supplement Submission
   We build a professional supplement package with photos, codes, and justification.

4. Approval and Construction
   Once the insurance company approves, we begin work using premium materials and expert crews.

5. Final Walkthrough
   We verify everything is up to code, and up to our standards.

Don’t Settle for Less Than a Fully Funded Roof

If your insurance only approved partial repairs or missed key components, Shake Roofers can help you recover what’s rightfully yours. We’ve supplemented hundreds of roofing claims and added hundreds of thousands of dollars in value for homeowners, without them lifting a finger.

✅ Licensed & Insured
✅ Experts in Xactimate & Building Code
✅ Specialists in Hail and Wind Claims
✅ Serving Illinois and Wisconsin

Don’t Let Your Insurance Company Cut Corners.

Schedule My Inspection! – Let us fight for you.