All Claim Supplement & Adjuster Comparisons60 Seconds ($29 Flat) vs. 5-Day Queue ($150–$350+ or 10% Fee)

ClaimXray ($29) vs. Outsourced Xactimate Supplement Services ($150–$350/File): Keep 100% of Your Margin

Third-party roofing and restoration supplement services charge $150 to $350 upfront per file (or take 5% to 10% of your supplement recovery) and make your production team wait 4 to 7 business days in a queue. ClaimXray audits your carrier PDF in 60 seconds for $29 ($19.80/claim with the $99 Contractor 5-Pack).

Quick 30-Second Verdict: Supplement Services ($150–$350+) vs. ClaimXray.com (2026)

When to Choose Supplement Services ($150–$350+) ($150–$350 flat fee per file OR 5%–10% commission):

You want an outsourced VA to sit on hold with the insurance carrier’s 1-800 phone tree for 2 hours on your behalf.

When to Choose ClaimXray.com ($29 One-Time / $0 Free Preview):

You want instant 60-second Xactimate supplement schedules, Round-2 Desk Adjuster Pushback rebuttals, and White-Label Contractor Word (.docx) & PDF exports for $29 ($19.80/claim on the $99 5-Pack) with zero commission splits.

Capability / Requirement	ClaimXray (CodeRay™)	Outsourced Xactimate Supplement Services ($150–$350/File)
Pricing & Contingency Fee	$0 Free Preview • $29 Single / $49 Deal Pass / $99 5-Pack (0% Contingency Fee)	$150–$350 flat fee per file OR 5%–10% commission ($750–$1,800+ per job)
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	4 to 7 business days in an outsourced estimating queue
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Customer policies, photos & EagleView reports uploaded to third-party portals
Native Word (.docx) Supplement Schedule	1-Click Native .docx (`<w:del>`, `<w:ins>` & Adjuster Comments) + Proof-of-Loss Rider	Delivered 5+ days later after paying setup and percentage fees
IRC / IICRC Code Graph & Round-2 Adjuster Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Denial Re-Audit)	Not included out-of-the-box

Stop Giving Away $1,000+ Per Roof and Waiting a Week for a Supplement Draft

When your roofing or water mitigation crew is ready to build, waiting 5 to 7 business days for an outsourced supplement shop kills job momentum and ties up cash flow. Worse, paying 8% to 10% on a $16,000 supplement hands $1,280–$1,600 of your hard-earned contractor profit to a third party for citing the exact same IRC R905 and IICRC S500 rules ClaimXray generates in 60 seconds.

Carrier Underpayment & Supplement Services ($150–$350+) Blindspot

“ROOFING CONTRACTOR SUPPLEMENT MATH: On a $16,500 supplement increase (adding 10&10 O&P, steep/high charges, drip edge, and ice/water shield), an 8% supplement service charges $1,320 and takes 6 business days.”

What Supplement Services ($150–$350+) does: Outsourced Supplement Shop: Charges $150 intake fee + 8% of RCV increase ($1,320+) and delivers next week.

What CodeRay™ Catches & Supplements

Instant 60-Second In-House Supplement ($29 Single Pass or $19.80/file with 5-Pack): Generates the complete line-item supplement schedule, White-Label Contractor PDF, Native Word (.docx) Track-Changes Rider, and Desk Adjuster Rebuttal Email on the spot.

“Submit White-Label Contractor Supplement Schedule (+10&10 GC O&P, `RFG STEEP`, `RFG HIGH`, `RFG DRIP`, `RFG IWS`, `RFG ASTR`, `RFG RIDGC`, and `DMO DUMP`) today and retain 100% of the +$16,500 RCV recovery in-house.”

Test CodeRay™ Live Right Now (Zero Signup Required)

Scan Your Carrier Estimate Free & Compare the Supplement Yourself

Available Credits: 0

Active Engine: CodeRay™ Deep-Scan Engine

Multi-Hop IRC / IICRC Code GraphNative PDF & Word (.docx)Round-2 Desk Adjuster Rebuttal

1. Select Claim Scope Playbook & Protected RoleAuto-Tailored to Your Claim TypeContractor & PA Supplement • Protecting: Restoration Estimator / Public Adjuster

2. Input Carrier Estimate (Xactimate PDF, Word .docx, Photo, or Text)

Upload PDF / Word (.docx)

Drop Carrier PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste estimate text

Cmd+V/Ctrl+V

DESK ADJUSTER SUPPLEMENT REJECTION LETTER & XACTIMATE LINE-ITEM AUDIT
CLAIM NO: SUP-2026-55190 | CARRIER DESK REVIEW — SUPPLEMENT #1 RESPONSE

ITEM 1 — UNIVERSAL STARTER COURSE & HIGH-PROFILE HIP/RIDGE CAP (RFG ASTR / RFG RIDGC)
Supplement request for 280 LF of Universal Starter Row Shingles (RFG ASTR) and 145 LF of High-Profile Hip & Ridge Cap (RFG RIDGC) is DENIED. Desk Adjuster note: "Starter strip and hip/ridge cap are accounted for in the 10% field shingle waste factor; contractors can cut 3-tab shingles on site."

ITEM 2 — STEEP ROOF (7/12–12/12 PITCH) & TWO-STORY HIGH ACCESS CHARGES (RFG STEP / RFG HIGH)
Supplement request for Steep Roof Charges on 18.4 SQ of 9/12 pitch slopes (RFG STEP) and Two-Story High Roof Access on 24.0 SQ (RFG HIGH) is DENIED. Desk Adjuster note: "Base Xactimate shingle installation labor already accounts for standard residential roof pitch and ladder access."

ITEM 3 — VALLEY METAL LINER, CRICKETS & STEP FLASHING (RFG VMTL / RFG STEPF)
Supplement request for 68 LF of W-Valley Painted Metal (RFG VMTL), chimney saddle cricket framing, and 84 LF of Aluminum Step Flashing at sidewall dormers (RFG STEPF) is DENIED; contractor is instructed to weave shingles in valleys and reuse existing flashing.

ITEM 4 — OSHA FALL PROTECTION, DUMPSTER & EAGLEVIEW REPORT
Supplement request for OSHA Roof Harness & Safety Tie-Off Setup, 30-Yard Roll-Off Dumpster (DMO DUMP) for 2-layer shingle tear-off, and $95 EagleView Aerial Measurement Report reimbursement is DENIED as "contractor overhead."

ITEM 5 — GENERAL CONTRACTOR OVERHEAD & PROFIT (10% O&P) DENIAL
Request for 10% Overhead and 10% Profit is DENIED. Desk Adjuster note: "Our internal carrier guidelines do not pay O&P on residential roofing and exterior claims unless more than 5 separate licensed trades are subcontracted and pre-approved in writing."

Optional — Property State or Claim Context (e.g., "34 SQ Texas hail roof claim" or "Florida Category 3 water loss")

100% Stateless & Private • Saves $1,500 – $5,000 (In-House Estimating Cost) vs. Public Adjuster fee

Frequently Asked Questions: ClaimXray vs. Supplement Services ($150–$350+)

How much do roofing contractors save using ClaimXray instead of a supplement company?

A typical roofing contractor auditing 5 claims with the $99 ClaimXray Pro Pack ($19.80 per claim) saves $1,500 to $6,500+ compared to paying $250/file or 8% commission to an outsourced supplement service—while cutting turnaround time from 5 days to 60 seconds.

Can I put my roofing or restoration company name on the ClaimXray supplement report?

Yes! White-Label Contractor Mode is built into every unlocked pass, letting you stamp "Prepared By [Your Roofing/Restoration Company] for [Homeowner Name]" on the Executive PDF Brief, Word (.docx) Supplement Schedule, and Exhibit R Rider.

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