Commercial Roofing Supplements
Commercial roofing is a whole different animal compared to residential roofing. This is particularly true for storm restoration insurance claims. The size and scope of commercial roofing jobs makes this channel a great opportunity to grow your roofing business. Commercial roofing involves a similar process to residential flat roofing, which is a much different process than installing a pitched roof or sloped roof. Understanding the key differences between commercial roofing and residential roofing can ensure that you are bidding and installing the jobs correctly.
Frequently Asked Questions about Commercial Roofing Supplements
What are Commercial Roof Supplements?
A commercial roof supplement is when a contractor asks for additional materials, labor, or trades to be added to the insurance claim for a commercial roofing job. An adjuster may not include enough material, labor, safety provisions, project management expense, etc. to get the job done correctly. In some cases, these missing items are required by local building codes or OSHA. When this happens, a contractor writes a new Xactimate Estimate to include those missing items and submits it to the insurance company for approval. Contractors must also include supporting documentation such as photos, measurements, local code requirements, OSHA requirements, and invoices to explain why these funds are needed.
Why should I supplement Commercial Roof Jobs?
The answer is simple: to get paid what you deserve. Because commercial roofing jobs are such large scale projects, small miscalculations in material quantities can result in contractors losing thousands of dollars. This can also happen when inexperienced adjusters make mistakes on the insurance scope of loss. When this happens, adjusters often select the cheapest materials in Xactimate, which may not be correct material. Commercial roofing jobs vary in size and type of roofing system involved. Commercial roofing can include flat roofing for office and retail, metal roofing for industrial buildings and shingle roofing for high-end retail or large multi unit residential buildings. Commercial roofing systems require specific components and materials that are not the same as slope roofs, and oftentimes these commercial roof components are more expensive than their slope roof counterparts. An inexperienced insurance adjuster will likely rely more heavily on the contractor’s input and expertise when settling a supplement, meaning that you as the contractor are in the driver seat on getting the correct RCV approved.
How many of my commercial roofing jobs should I supplement?
If your company works on large commercial roofing claims, you should definitely supplement every job. The scale of these projects could be worth the same amount of revenue as 10-50 single family home installs. Selling 50 residential roofs is more than most reps sell in a season. Can you imagine the impact of leaving a 10-25% profit on the table for an entire season’s worth of sales? That can absolutely happen if you botch a large commercial roofing bid. A typical roofing contractor installs far fewer commercial jobs each year so it’s important to maximize profits on each one by submitting a commercial roofing supplement.
What are some examples of commercial roofing supplements?
When do I start supplementing a commercial roofing job?
There are two different times you can submit commercial roofing supplement: Pre-Production (before the install) and Post-Production (after the install, before depreciation is released). The optimal way to supplement a flat roof job is to file both Pre-Production and Post-Production supplements on insurance commercial roofing jobs. Doing so results in 2-4 times more supplement dollars approved per job and higher approval rates overall.
Should I hire a company to supplement my commercial roofing jobs?
There are many reasons why it makes sense to hire a 3rd party to supplement your commercial roofing jobs. The number one reason is the size and complexity of these projects. Simple miscalculations in material or labor can cost contractors thousands of dollars per line item. Also, many roofing contractors do not have a lot of experience writing commercial roof estimates or know how to get insurance commercial roofing jobs approved. Some insurance adjusters may not have a lot of experience inspecting certain types of commercial roofing systems or writing an accurate flat roof scope of loss.