Flat Fee vs. % Based: Best Roofing Supplement Services?
In the high-stakes world of roofing and restoration, profit margins are everything. You hustle to sell the job, you grind to build the roof, and you fight to ensure the insurance carrier pays what is fair. But there is a silent profit-killer lurking in the administrative backend of many roofing companies: percentage-based supplement services.
When you outsource your supplementing—a necessary move if you want to scale—you are usually presented with two pricing models: a percentage of the claim increase (often 10% to 20%) or a flat fee per file. On the surface, the percentage model feels safe. It feels like "no win, no fee." But as your company grows and you land larger, more complex claims, that safety net quickly turns into a pair of golden handcuffs.
At Boss Up Solutions, we believe roofers should keep the equity they build. Today, we are breaking down the mathematics of Flat Fee vs. Percentage Based models to show you exactly why shifting to a flat-fee structure is the smartest financial move for your business.
The Trap of Percentage-Based Pricing
The percentage-based model is the industry standard for many freelance supplementers and older firms. The pitch is seductive: "We only get paid if you get paid." Usually, this fee is around 20% of the O&P (Overhead and Profit) or the total supplement increase.
Let’s look at the math on a decent-sized residential hail claim:
Scenario: You identify missing line items and code upgrades that add $10,000 to the claim.
The Cost: At a 20% fee, you are cutting a check for $2,000 to your supplementer.
The Reality: That is $2,000 of pure profit leaving your business for a few hours of administrative work.
Now, imagine this on a commercial scale. If you secure a $100,000 increase on a large commercial project, are you prepared to pay a supplement service $20,000? The work required to write that estimate does not correlate with a $20,000 price tag. In this model, you are being penalized for your success. The bigger the win, the more you lose.
The Flat-Fee Advantage: Keep Your Profits
The alternative—and the model we champion at Boss Up Solutions—is the Flat Fee structure. Whether your claim increases by $5,000 or $50,000, your cost to prepare and negotiate that supplement remains predictable and low.
This approach transforms your supplementing expense from a variable liability into a fixed, budget-friendly operational cost. It allows you to forecast your expenses accurately and, most importantly, it incentivizes you to go after every legitimate dollar on the claim without fear of sharing a slice of the pie.
With services like our Supplement360 Claims Management, you get:
Predictability: You know exactly what your invoice will be before the file is even opened.
Scalability: You can process higher volumes of claims without your overhead skyrocketing.
Higher Margins: Every dollar we recover above the flat fee goes straight to your bottom line.
Why Boss Up Solutions? The Hybrid Edge
Pricing is critical, but performance is paramount. A cheap estimate that gets denied is worthless. This is where Boss Up Solutions separates itself from the pack. We don’t just offer flat fees; we offer the Boss Up Hybrid Method.
We combine cutting-edge AI technology with seasoned human experts. Our AI tools analyze weather data, local building codes, and carrier tendencies at lightning speed, ensuring no line item is missed. Then, our human experts—many of whom are former senior adjusters—review, refine, and negotiate the file.
This synergy delivers the best of both worlds: the speed and precision of technology, backed by the negotiation tactics and emotional intelligence of a human. The result? Xact360 Estimate Packages that are defensible, accurate, and undeniable.
By utilizing our Bilingual Executive Assistants and our carrier negotiation services, you aren't just buying an estimate; you are hiring a complete back-office team for a fraction of the cost of a full-time employee or a percentage-based firm.
Stop Negotiating Your Own Worth
The most successful roofing contractors understand the value of delegation. Your time is worth hundreds of dollars an hour when you are selling roofs or managing crews. It is worth significantly less when you are sitting on hold with an insurance desk adjuster arguing over ice and water shield.
When you choose a flat-fee partner like Boss Up Solutions, you are making a declaration: "I build roofs, I sell jobs, and I let the experts handle the paperwork."
Don't let percentage fees eat away at the margins you worked so hard to create. Switch to a model that rewards your growth rather than taxing it. It’s time to streamline your claims process, maximize your supplements, and take back control of your business.
Ready to Keep 100% of Your Claim Increases?
Stop splitting your profits. Join the roofing companies that are scaling faster and more profitably with Boss Up Solutions. Get our ONE Solution Complete Package today.
