Adjusters work fast. After a significant storm event, they're handling dozens of claims at once. Initial estimates get written based on visible damage and standard scope assumptions. Line items that require contractor knowledge, code awareness, or closer inspection often don't make it in.
These are the items that consistently get missed — and consistently get approved when documented properly.
Ice and Water Shield
In many jurisdictions, ice and water shield is a code requirement along eaves, in valleys, and around penetrations. It's not always included in the initial estimate. Pull the local building code and cite the specific requirement. The carrier has very little room to deny a code-required item.
Drip Edge Linear Footage
Drip edge is frequently undercounted or omitted entirely. Adjusters often estimate based on a simple perimeter calculation without accounting for rakes. Measure the full linear footage yourself and document it. This is a low-dollar item that adds up over multiple claims.
Worth Noting
Most missed line items aren't disputed once documented. The issue is usually that nobody submitted them in the first place.
Ridge Cap Shingles
Ridge cap is sometimes omitted from the scope or bundled into the main shingle line item without proper accounting. It's a separate material with separate labor. Document the linear footage and submit it as its own line item.
Permit and Inspection Fees
Most jurisdictions require a permit for a full roof replacement, and many require a final inspection. These fees are real costs. They're also frequently left off estimates. Include the actual permit cost from your local jurisdiction and submit with documentation.
Contractor Overhead and Profit
O&P at the industry standard rate of 20/10 is one of the most commonly underpaid items on residential claims. Carriers default to lower rates. Knowing how to justify the standard rate is essential for every claim. See our full breakdown of O&P in a separate post.
Why These Get Missed
Adjusters aren't always wrong. They're working quickly, often remotely, and relying on software defaults. They don't always know local code requirements. They don't always have access to manufacturer specs. Your job is to bring that documentation to the claim.