I work for the roofing company — never the homeowner. Your company keeps the contract and the customer. I take the carrier's estimate apart line by line until it matches the roof.
- Homeowner Hires a roofing company. Never contracts with me.
- Licensed Roofing Company Owns the contract, the crew, and the customer.
- Supplement Services Agreement
- Heavenly Roofing LLC Xactimate estimating and supplement support, engaged by the roofing company.
- Insurance Adjuster Receives a documented scope — from the contractor's authorized representative.
Authorized representative of the roofing contractor. Not a public adjuster. Not the homeowner's representative.
I Work For the Contractor. Not the Homeowner.
That distinction is the whole business. Here is exactly what it means — and what it rules out.
You authorize me in writing to discuss supplements on your files. When an adjuster asks who I am, the answer is simple: he works for us.
Every line item priced the way Oklahoma carriers actually settle — not a national average from a desk in another state.
A percentage of new money recovered, above the carrier's original number. The homeowner never pays me and never signs anything with me.
I don't represent policyholders, don't solicit homeowners, and don't hold myself out as adjusting claims on anyone's behalf.
I have no agreement with the property owner. My only agreement is with your company.
I don't sell, install, or repair roofs, and I'm not bidding against you. I write estimates and supplements. Your crews do the work.
Three Documents and a Phone Number.
Onboarding takes one afternoon. This is the paperwork that keeps it clean from the very first file.
Establishes that I work for your company — not for the homeowner, and not as your employee. It's the foundation everything else sits on.
The written permission naming Heavenly Roofing as your authorized supplement consultant — the document a carrier will ask for when they want to verify who they're talking to.
One person an adjuster can call to confirm my authority on a file, same day. No ambiguity, no delays over who is allowed to say what.
These are your documents, on your paper. I don't supply legal templates — most companies already have versions of all three, and your attorney should review anything you sign.
What the Adjuster Hears From Me
No ambiguity about who I am or who I work for. This is the introduction, word for word.
“Hello, this is Roberto with Heavenly Roofing LLC. I'm the authorized insurance supplement consultant for ABC Roofing on this claim. I'm calling to discuss the contractor's estimate and the supporting documentation for the supplement. If you need verification, I can email the authorization from ABC Roofing.”
That sentence does three things at once: it names who I work for, it states what I'm calling about, and it hands the adjuster a way to check. Nothing about it suggests I'm the contractor, the homeowner's representative, or a licensed public adjuster — because I'm none of those.
One Claim. One Supplement. Same Roof.
The carrier opened at $8,477. After a field inspection, a line-by-line supplement on the OKOK price list, and direct follow-up with the desk adjuster, the approved payout was $23,906 — $15,429 in new money, a 182% increase.
Figures are from a single documented claim — initial carrier estimate dated 12/4/2023, contractor supplement finalized 4/17/2024. This represents one specific outcome and is not a guarantee of future results. Every claim, policy, and carrier is different.
You Sell the Roof.
I Go Get the Rest of the Money.
Send one open claim. Judge the supplement in 48 hours. If there's nothing there, I'll tell you in writing and you've lost nothing.
Hablamos español — supleméntalo en tu idioma.
Insured·Oklahoma City, OK·Xactimate · OKOK Price List