Have you ever wondered why some roofing contractors seem to make more money on insurance claims than others? It’s not just about the quality of their work or the materials they use. A big part of it is something called “overhead and profit,” or O&P for short. In this article, we’ll break down what O&P is, why it’s important for roofing contractors, and how SupplementPro can help you get the O&P you’re entitled to on your roofing insurance claims.
What is Overhead and Profit in Roofing Insurance Claims?
When a homeowner has roof damage and files an insurance claim, the insurance company sends an adjuster to figure out how much the repairs will cost. Usually, this estimate covers things like materials (shingles, nails, etc.) and labor (the workers who fix the roof). But running a roofing business isn’t that simple. There are other costs that don’t show up in the materials or labor bill. That’s where “overhead and profit” comes in.
Overhead is all the extra costs it takes to keep your business going. These aren’t just the things you buy for one job—they’re the everyday expenses that pile up. For example:
- Rent for your office or storage space
- Utility bills like electricity and water
- Insurance to protect your business and workers
- Marketing costs to get new customers
- Salaries for office staff who answer phones or handle paperwork
- Tools and trucks you need for every job
Profit is the money you have left after paying all those bills. It’s what keeps your business alive and growing. Without profit, you can’t buy better equipment, hire more workers, or take care of your team.
In a roofing insurance claim, O&P is usually an extra 20% added to the total cost—10% for overhead and 10% for profit. So, if the adjuster says a job costs $10,000 for materials and labor, you should get an extra $2,000 for O&P. But here’s the catch: insurance companies don’t always include it in their first estimate.
Why Do Insurance Companies Often Exclude O&P?
Insurance companies want to save money, and one way they do that is by paying out as little as possible on claims. When it comes to roofing insurance claims, they might leave out O&P to keep their costs down. They’ve got a few excuses they like to use:
- “The job isn’t complicated enough.” Some insurers say O&P only applies when a job involves multiple trades—like roofing, siding, and gutters. But even if you’re just fixing the roof, you still have overhead costs and need to make a profit. Most roofing jobs qualify for O&P.
- “You’re not a general contractor.” They might argue that roofers don’t deserve O&P because they’re not managing a big project with lots of workers. But if you’re running the show on a roofing job, you’re acting like a general contractor—and you should get paid like one.
- “It’s already in there.” Some adjusters claim O&P is built into the material and labor costs. That’s not true. O&P is a separate amount that should be added on top.
These excuses are just tricks to avoid paying what’s fair. The reality? Most roofing jobs need O&P to cover your costs and keep your business running. Without it, you might have to skimp on quality or lose money on the job. That’s not good for you or the homeowner who’s counting on a solid roof.
How SupplementPro Can Help You Get O&P
This is where SupplementPro steps in. We’re pros at helping roofing contractors get the O&P they deserve on insurance claims. We understand how the insurance game works and know how to make it work for you. Our team can look at your estimates, spot where overhead and profit in roofing claims is missing, and help you ask the insurance company for the extra money you’re owed.
Here’s what we bring to the table:
- Ready-to-Use Templates: We’ve got a collection of pre-written supplement templates that make it super easy to request O&P. They’re written by experts and include the right Xactimate codes—the same system insurance companies use.
- Expert Help: Our team can guide you through the process, making sure your supplements are done right the first time.
- Negotiation Backup: If the insurance company says no, we can help you push back with the proof and paperwork you need to win.
We keep up with the latest rules and tricks in the insurance world, so you’re always getting the best advice. With SupplementPro, getting O&P on your roofing insurance claims doesn’t have to be a headache.
Real-Life Success Stories
Need proof it works? Check out these stories from real roofing contractors who teamed up with SupplementPro:
- John from Texas: John kept hitting a wall with insurance companies. They’d deny his O&P requests, saying his jobs weren’t “complex enough.” After partnering with SupplementPro, he started getting O&P on almost every claim. “It’s been a game-changer,” John says. “My profits are up 30% thanks to SupplementPro.”
- Sarah from Florida: Sarah was new to roofing and didn’t even know O&P was a thing. We showed her how to spot it and ask for it. Now, she’s getting O&P on every job and growing her business faster than she ever thought possible.
- Mike from California: Mike had been roofing for years but still struggled to get O&P approved. He figured it was just how things worked—until he found SupplementPro. With our help, he turned those denials into approvals and boosted his bottom line.
These contractors are just like you—hardworking pros who want to get paid fairly. SupplementPro helped them make it happen, and we can do the same for you.
Get Started with SupplementPro Today
Ready to boost your roofing business? Here’s how to get started with SupplementPro in three easy steps:
- Get a Free Consultation
Start with a free chat with our team. We’ll review your roofing insurance claims and show you how much extra money you could be earning. No pressure, no cost—just a chance to see what we can do for you. - Sign Up for the Plan That Works Best for You
Next, pick a plan that fits your business. Whether you’re a small crew or a big operation, we’ve got options that match your needs and budget. You choose what works for you. - Let Us Handle the Rest
Once you’re on board, we take over. Our experts handle all the paperwork and insurance hassles, so you can focus on roofing. We make it simple and stress-free.
Ready to get going? Contact SupplementPro today for your free consultation and start getting the profits you deserve!
