Insurance Claim Supplement Letter Example
Below is an annotated example of a professional supplement request letter for a residential roof replacement claim. Each section is explained so you can adapt the format for your own claims.
Claim Reference & Overview
This supplement request addresses scope and pricing discrepancies identified in the initial estimate for roof replacement at [Property Address]. The contractor estimate reflects standard industry practices and code-compliant installation requirements.
Scope Discrepancies
Install architectural shingles
Insurance Estimate: $4,620.00 | Contractor Estimate: $6,490.00 | Variance: $1,870.00
This amount reflects accurate material costs and labor requirements for proper architectural shingle installation per manufacturer specifications.
Ridge cap shingles
Insurance Estimate: $120.00 | Contractor Estimate: $408.00 | Variance: $288.00
This pricing reflects manufacturer-specified ridge cap shingles rather than field-cut alternatives to maintain warranty compliance.
These items reflect standard scope required to complete the repair/replacement in accordance with industry standards and manufacturer installation requirements.
Missing Scope Items
Tear off existing shingles — $1,540.00
Removal of the existing roofing system is required prior to installation of new materials and is necessary to inspect decking and install new roofing components properly.
Synthetic underlayment — $1,210.00
Underlayment installation is required per IRC R905.2.7 beneath all asphalt shingle roof coverings.
Drip edge installation — $810.00
Drip edge installation is mandatory per IRC R905.2.8.5 at all eaves and gables of shingle roofs.
Ice & water shield — $570.00
Ice barrier installation is required per IRC R905.2.7.1 in areas where average January temperatures are 25°F or less.
Building Code Compliance
Several items identified in this supplement are required to meet current building codes and manufacturer installation specifications.
- IRC R905.2.8.5: A drip edge shall be provided at eaves and gables of shingle roofs. Drip edges shall extend a minimum of 0.25 inch below the roof sheathing and extend back on the roof a minimum of 2 inches.
- IRC R905.2.7: Underlayment is required beneath all asphalt shingle roof coverings. Required underlayment shall conform to ASTM D226 Type I, ASTM D4869 Type I, or ASTM D6757.
- IRC R905.2.7.1: In areas where the average daily temperature in January is 25°F or less, an ice barrier shall extend from the eave edge to at least 24 inches inside the exterior wall line.
Failure to include these components would result in a repair that does not meet current code requirements or manufacturer warranty conditions.
Requested Revisions
The total supplement amount requested is $[total]. A revised estimate reflecting these items is requested.
We appreciate your review of this supplement request and look forward to your response.
[Contractor Name]
[Title]
[Company Name]
Key Takeaways from This Template
- Variance format — every scope discrepancy shows the insurance amount, contractor amount, and variance on a single line. Adjusters can scan this instantly.
- Technical tone — no emotional language or complaints. Every justification references standards, manufacturer specs, or code requirements.
- Code citations in a dedicated section — grouping all IRC references together makes it easy for the adjuster to verify each code requirement.
- One-sentence justifications — each line item gets a brief, factual explanation. No filler paragraphs.
- Clear total — the exact supplement amount appears once in the Requested Revisions section.
Adapting This Template
Use this structure for any property type — residential roofing, siding, interior water damage, or storm restoration. The key principles are the same: show the variance, justify with code or specs, and keep it factual.
For more details on writing each section, see our complete guide to writing supplement requests.
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