When you’re estimating roofing repairs for an insurance claim, it’s important to know what you’re getting with each line item, especially when it comes to tearing off shingles and felt (the material underneath shingles). One popular estimating platform – Xactimate – lets you choose how detailed you want to be when estimating these aspects of an insurance repair. Let’s break down what it offers and what you need to watch out for. In this guide, we’ll break down Xactimate tear-off options and explain what to watch for to ensure your roofing insurance claim estimates are accurate and complete.
Xactimate: Two Main Choices
Option 1: Tear Off + Haul + Dump (All-In-One)
This line item covers everything:
- Removing shingles and felt
- Hauling away the debris
- Dump fees
Easy to use and includes all costs in one step. Why it’s useful: This option is easy to use and captures all costs in a single step, reducing the risk of missing expenses in your roofing repair estimate.
Option 2: Tear Off Only (No Haul Off)
This one just covers:
- Removing the shingles and felt
It does not include:
- Hauling debris away
- Dump fees
Key Takeaways for Contractors and Adjusters
No matter how you create your Xactimate estimates:
- Some options include all necessary costs in one line item
- Others require manually adding extra items like hauling and dump fees
- Missing these extras can lead to underpaid insurance claims
Need help figuring out what’s missing or correcting an estimate? Contact United Estimating. We do this every day and we’re here to help.