If you,re handling insurance roofing claims, you,ve likely noticed that estimates from insurance adjusters often miss important line items. Whether due to inexperience, differing standards, or a cost-saving mindset, these omissions can leave money on the table. That’s why we’ve compiled the 9 most frequently missed items you can use to supplement your insurance roofing estimates.
1. Starter Course Shingles
Often assumed to be covered by the waste factor, starter shingles are a separate product with distinct labor costs, especially when they are replaced by architectural shingles. If factory-made starter shingles were present on the original roof, supplement for their replacement and show proof with photos.
2. Ridge and Hip Cap Shingles
Just like starter shingles, these are frequently left off. Carriers may expect them to be cut from scrap field shingles, but architectural types don’t bend properly and will crack. Cost estimating software should differentiate labor fees for these, so document and supplement accordingly.
3. Step Flashing
Insurers often assume this can be reused. However, unless it’s wall-nailed, undamaged, and code-compliant, replacement is recommended by shingle manufacturers. Cost estimating software should note the cost by linear foot—include photos showing condition or lack of compliance.
4. Head Wall / End Wall Flashing
Head wall and end wall flashing is another item often omitted with the assumption it can be reused. But if the old flashing was face-nailed, reusing it risks future leaks. If it’s present but missing from the estimate, supplement it with photo evidence.
5. Valley Lining
Valleys may go unnoticed, especially on closed systems. Whether it’s metal or rolled products, they typically can’t be reused after tear-off. Worse, if no valley lining exists, the roof may be out of code. Use square or linear foot rates dictated by cost estimating software, and document its condition or absence.
6. Painting Vents, Flashings, Drip Edge
Custom-painted roof accessories? If replacements aren’t painted to match, the result can be a visual mismatch, which in some cases could lead to future code violations. Paint labor for vents, pipe jacks, and drip edges should be included in estimates. If it was painted before, it should be painted again—just back it up with photos.
7. Drip Edge
Some adjusters claim this can be reused, but that’s rarely realistic. If felt, starter shingles, or ice/water barriers run beneath it, removal is necessary—and it likely won’t survive. If legitimate, use cost estimating software to determine the rate and provide photo proof.
8. Gable Cornice Returns & Strips
These decorative elements are often missed due to satellite measurement gaps. If they’re excluded, you’re losing money on both labor and materials. Use the appropriate one- or two- story rates in your cost estimator and photograph these items to support your claim.
9. Overhead & Profit (O&P)
A hotly debated addition, O&P typically adds 20% to the claim. It applies when a general contractor is reasonably needed due to complexity or multiple trades. Be prepared with a signed contract or GC estimate showing O&P. Some carriers won’t include it until you prove it’s warranted.
These items are often justified and claimable—just don’t forget your photographic evidence. Still unsure or need help submitting supplemental claims? Reach out to our team of experts—we’re here to assist!