Your Adjuster's Scope Is a Starting Point — Not the Final Word
Here's how it works: a storm hits Tulsa. You file a claim. An adjuster visits — typically spending 20-45 minutes inspecting your roof, mostly from the ground with binoculars. They write an estimate using Xactimate software that auto-populates minimums. That estimate goes to your insurance carrier. You get a check.
What you don't see: the adjuster's software defaulted to the cheapest underlayment. It skipped ice and water shield because the software's regional defaults don't account for Oklahoma's freeze-thaw code requirements. It omitted drip edge because the adjuster couldn't see it from the ground. It used 3-tab shingle pricing for your architectural shingles.
This isn't fraud. It's systemic. Adjusters work for the carrier, whose job is protecting the carrier's financial interest. Our job is protecting yours.
The 12 Most Commonly Missed Line Items
Based on 800+ claim audits in the Tulsa metro, these are the items adjusters miss most frequently — and what each one costs when omitted:
| Missing Item | Why It's Missed | Avg. Value | Miss Rate |
|---|---|---|---|
| Ice & Water Shield | Xactimate defaults don't account for OK freeze-thaw code | $800-$2,400 | 78% |
| Drip Edge (eaves + rakes) | Invisible from ground; software doesn't auto-add | $400-$1,200 | 71% |
| Starter Strip Shingles | Adjusters assume it's 'included' — it's a separate line item | $300-$800 | 65% |
| Synthetic Underlayment | Software defaults to #15 felt (half the cost, half the performance) | $400-$1,000 | 62% |
| Ridge Vent | Often counted at standard rate vs. actual linear feet | $200-$600 | 58% |
| Plumbing Pipe Boots | Adjusters often miss or undercount penetrations | $150-$500 | 55% |
| Chimney Flashing/Saddle | Invisible from ground unless adjuster climbs roof | $400-$1,500 | 52% |
| Valley Metal/Flashing | Scoped as W-valley instead of closed-cut or metal | $300-$900 | 48% |
| Decking Replacement | Not visible until tear-off; adjuster can't estimate | $0-$2,500 | 44% |
| Waste Factor (15%+ for cuts) | Software defaults to 10% — not enough for complex roofs | $200-$700 | 41% |
| Permit Fees | Adjusters 'forget' to include municipal permit costs | $150-$400 | 38% |
| Code Upgrade (IBC 2024) | Oklahoma adopted IBC 2024 — older scopes miss new requirements | $500-$2,000 | 35% |
How Our Supplement Intelligence System Works
1. Upload Your Scope
Send us your adjuster's estimate (PDF or Xactimate file). We accept any format — just forward what your carrier sent you. Takes 60 seconds.
2. Line-by-Line Forensic Audit
We compare every single line item against our forensic documentation (drone photos, moisture maps, impact analysis), manufacturer installation specifications, and Oklahoma building code. We find what the adjuster missed.
3. Formal Supplement Submission
We prepare a formal supplement package with photographic evidence, manufacturer spec sheets, and applicable code citations. This goes directly to your insurance carrier's supplement department — not back to the original adjuster.
4. Approval & Full Payment
With proper documentation, over 90% of our supplements are approved on the first submission. The carrier issues a supplemental check — typically within 7-14 business days. This check is yours. It pays for the items the adjuster missed.