Supplement Capture: how much of the requested roof supplements get approved

What this is

Supplement Capture is a row on the Exterior & Roofing page in Verinode HQ, and it is also one of the three secondary figures in that page's network summary panel. Both places answer the same question at different altitudes: of the extra scope a membership asks an insurance carrier to approve on a roofing job, code upgrades required to bring a repair up to current building code, hidden damage found once the roof is opened up, matching-material shortfalls, and similar supplement requests, how much actually gets approved and paid.

The network summary panel gives you one number: the network's own median capture rate. The Supplement Capture row breaks that median apart into one tile per membership, ranked highest capture rate first, so you can see which memberships are winning their supplement fights and which are leaving approved scope on the table.

Verinode HQ only ever shows this as an aggregated rate. It never opens a franchisee's underlying supplement line items, the specific code citations, photos, or carrier correspondence behind a claim. What reaches HQ is the ratio a nightly network rollup computes from each membership's own operations: total dollars approved divided by total dollars requested, on the exterior book only. Franchisees own the underlying supplement detail; HQ sees the rate.

Where to find it

Exterior & Roofing is folded into Benchmarks as an "Exterior & Roofing" category, and it only appears there once at least one membership in your network has logged exterior work. The page itself also lives at a stable, bookmarkable address: hq.verinode.ai/exterior.

On the page, Supplement Capture is the fourth row, below Exterior Book by Franchisee and Retail vs Insurance Mix. The same figure, as a single network median, also shows as the second of three secondary numbers in the summary panel at the top of the page, alongside median insurance revenue share and median exterior margin.

Why supplement capture matters on storm and roofing jobs

Roofing and exterior work runs on a different economics model than most restoration work. A roof estimate is written once, from what's visible before the roof is opened. Once tear-off starts, a crew routinely finds damage, or code requirements, that weren't and couldn't have been priced into the original scope: rotted decking under shingles, ice-and-water shield now required by code where the original roof didn't have it, drip edge or flashing upgrades, a matching-shingle shortfall when a discontinued line means a full slope (or the whole roof) has to be replaced instead of patched.

Every one of those items has to be submitted to the insurance carrier as a supplement, a request for additional approved scope and dollars beyond the original estimate. Whether that supplement gets approved in full, partially, or denied is one of the biggest swing factors in whether a roofing job is profitable at all, because the crew's labor and material cost on the added scope is real whether or not the carrier pays for it. A membership that consistently captures a high share of its requested supplements is running a tighter, better-documented claims process; one that captures a low share is either under-documenting the case for the extra scope, or facing carriers that are unusually resistant on that additional scope, and either way it's worth a look.

This is why supplement capture sits alongside insurance revenue mix and exterior margin as one of the three headline figures for the whole exterior book: on a roofing-heavy network, it is often the single biggest lever on whether that book is profitable.

The 60% capture marker

Every tile in the Supplement Capture row carries a small marker at the 60% mark on its bar. A membership's own capture rate is drawn against that marker so you can see, at a glance, whether that membership is capturing most of what it asks for or losing a meaningful share of it.

60% is not a pass/fail line and it is not enforced anywhere in the product; it is a visual reference point. A membership sitting comfortably above it is capturing most of its requested supplement scope. A membership sitting well below it is losing more than four in ten requested dollars, worth a conversation about how supplements are being documented and submitted, not necessarily a sign that the carrier relationship itself is broken.

Tone bands: reading the color on a tile

Each tile's accent color and bar preview follow the same three-band scheme used elsewhere in the Exterior & Roofing page:

| Capture rate | Tone | What it signals | |---|---|---| | 60% and above | Green ("Expand" tone) | Capturing most of what's requested; a strong exterior claims process | | 35% up to 60% | Yellow ("Maintain" tone) | A meaningful share of requested scope isn't being approved; worth reviewing documentation and submission practice | | Below 35% | Red ("Analyse" tone) | Losing most requested supplement dollars; a clear coaching or process candidate |

These bands are read purely off the membership's own capture rate; they are not adjusted for network size, season, or carrier mix. A membership can land in the red band because its documentation process needs work, or because it happens to run a heavier mix of carriers that push back hard on supplements, HQ shows you the rate, not the cause, and the tile is a starting point for a conversation, not a verdict.

What each tile shows

Reading a Supplement Capture tile top to bottom:

• Label reads "Capture rate."
• Headline is the franchisee's name (shown anonymized if your network runs in independent-operator mode; see the privacy section below).
• Bar preview plots that membership's own capture rate against the 60% marker described above, colored by the tone band the rate falls into.
• Sub line spells the number out in plain language: "X% of requested supplements approved."

The row shows up to 12 memberships, sorted from the highest capture rate to the lowest, so the strongest exterior claims operations in your network lead the row and the ones worth a closer look trail it.

Clicking any tile opens that membership's profile inside Franchisees, the same deep-link every row on this page uses. From there you see that membership's broader operation at the aggregate and compliance level HQ is entitled to, not their individual supplement line items or carrier correspondence.

How the rate is computed

A membership's capture rate is the sum of approved dollars across every supplement request logged against its exterior, roofing, work over the total sum of requested dollars on those same supplements. It is a dollar-weighted rate, not an average of individual supplement outcomes, so a handful of large supplement requests move the number more than a long tail of small ones.

The rate only appears once a membership has requested at least some dollar amount in exterior supplements; a membership with no supplement history yet simply doesn't show a rate rather than showing a misleading zero.

The network summary figure

The median capture rate shown in the page's top summary panel is the median of every membership's own capture rate, not a network-wide dollar ratio. It answers "where does a typical membership in this network sit on supplement capture," which is a different question than "what share of network-wide supplement dollars get approved." Until enough memberships have a computed rate, this figure reads "Awaiting data" rather than a number.

Empty states

If no membership in your network has logged any exterior supplement requests yet, the row shows, verbatim:

"Supplement capture appears once franchisees log exterior supplements (code upgrades, hidden damage) on roofing jobs."

No tiles render until that changes. The same underlying condition, no exterior supplement data yet, is what keeps the network summary panel's Supplement Capture figure reading "Awaiting data."

The privacy floor: small networks see aggregates only

If your network currently has only a small number of active memberships and is running in independent-operator mode, HQ suppresses every per-franchisee tile row on this page, Supplement Capture included. You'll see a banner explaining that per-franchisee tiles are held back to protect operator privacy: with too few memberships in the mix, a single franchisee's supplement performance could be identified even with an anonymized label attached. The network summary panel's median still shows; only the individual tiles are held back.

Tiles return automatically once your active network grows past that floor. This floor does not apply to networks configured as a single enterprise, since there is no separate business to protect from itself.

Names: real or anonymized

Whether a Supplement Capture tile shows a real franchisee name or an anonymized label depends on how your network is configured, the same rule that governs every per-franchisee row in HQ. Independent-operator and association networks default to anonymized labels (something like "Franchisee #A1B2") on every per-location row, including this one. Only a network explicitly configured as a single enterprise shows real names here.

How to use this row

1. 1Start with the network summary panel's median capture rate for the overall picture, then scroll to the Supplement Capture row to see who's driving it.
2. 2Scan for tiles sitting below the 60% marker, especially anything in the red (below 35%) band. That's your shortlist for a conversation about supplement documentation and submission practice.
3. 3Cross-check against Exterior Book by Franchisee: a low-capture membership with a large exterior book is losing more real dollars than a low-capture membership with a small one, even at the same percentage.
4. 4Click through to a membership's profile to bring the conversation into context before reaching out, HQ's own aggregate and compliance view, not the underlying supplement file.

Related help

• Exterior Book by Franchisee: who runs a roof line and how big it is
• Retail vs Insurance Mix on exterior work
• Seasonal Concentration on the exterior book
• Franchisee profile
• The network privacy floor
• HQ Benchmarks overview