Roofing Insurance Supplements, Done for You

IRC R905.2.8.5 requires drip edge at eaves and rakes on all new and replacement roofs. Carriers omit it because it adds cost. Cite the IRC section directly and it is very difficult to deny.

Required by every major manufacturer (GAF, Owens Corning, CertainTeed) as a condition of their warranty. Without starter strips, the warranty is void. This is a manufacturer requirement, not just a best practice.

Manufacturer installation requirements mandate ridge cap shingles on all shingle roofs. Carriers frequently omit or undercount ridge cap, especially on complex roof shapes.

Industry-standard 10% overhead + 10% profit for general contractor coordination on insurance claims. Carriers deny it when they assume the homeowner will self-manage. If you are a licensed contractor coordinating the claim, you are entitled to O&P.

Required in climate zones 5–8 per IRC R905.1.2 and R905.2.7.1. Carriers in cold-weather states routinely omit this. EstimateDelta's 50-state database flags this automatically for MN, WI, CO, and other high-risk states.

Local building codes require permits for roof replacement. Permit fees are a direct job cost that carriers routinely exclude. EstimateDelta flags permit omissions on every roofing estimate.

Standard practice and often required by local ordinance for full roof tear-off. Carriers frequently omit dumpster costs or include an insufficient flat amount.

Xactimate has separate line items for 7/12–9/12, 10/12–12/12, and over 12/12 pitch. Carriers frequently apply the wrong (lower) tier or omit steep slope charges entirely.

Why does the carrier keep leaving out drip edge?

IRC R905.2.8.5 requires drip edge at eaves and rakes on all new and replacement roofs. It is a code-required item — not optional. Carriers omit it because it adds cost. Cite the IRC section directly in your supplement and it is very difficult to deny.

The carrier won't pay for starter course shingles. How do I fight it?

Starter course shingles are required by every major manufacturer (GAF, Owens Corning, CertainTeed) as a condition of their warranty. Without starter strips, the warranty is void. This is a manufacturer requirement, not just a best practice. EstimateDelta includes starter course as a HIGH confidence gap on every roofing estimate.

What is O&P and why does the carrier keep denying it?

Overhead & Profit (10% overhead + 10% profit) is the industry-standard markup for general contractor coordination on insurance claims. Carriers deny it when they assume the homeowner will self-manage the project. If you are a licensed contractor coordinating the claim, you are entitled to O&P. EstimateDelta flags O&P omissions on every estimate.

Does EstimateDelta work for metal roofs, flat roofs, and tile?

Yes. EstimateDelta analyzes any Xactimate roofing estimate regardless of material type. The AI identifies gaps specific to the roofing system described in the estimate.

What states have the most missed code items?

Florida (FBC secondary water barrier), Minnesota and Wisconsin (full-coverage ice & water shield), and Texas (enhanced fastening patterns in coastal counties) have the most state-specific code requirements that carriers routinely omit. EstimateDelta's 50-state code database flags these automatically.