The 12 Line Items Adjusters Miss Most on Roof Claims

Adjuster scopes miss a predictable set of items. Knowing the list turns supplementing from guesswork into a checklist. Here are the twelve that go missing most often, and how to document each.

1. Drip Edge

Required by code in most jurisdictions and by most manufacturers. Frequently left off or underpaid. Document with edge photos and the code reference.

2. Starter Strip

Starter course along eaves and often rakes. Commonly omitted or paid as cut shingles. Document the linear footage.

3. Ice and Water Shield

Required in valleys, at eaves in cold climates, and around penetrations by many codes. Often missing or under measured.

4. Ridge Cap

Paid as standard shingles instead of a proper ridge cap product, or the quantity is short. Measure the ridge and hip lengths.

5. Step and Counter Flashing

Sidewall and chimney flashing is frequently excluded on the assumption it can be reused. Photograph condition and explain why replacement is required.

6. Pipe Boots and Vent Flashing

Small items that add up. Each penetration needs a new boot or flashing. Count them.

7. Valley Metal

Open valleys need metal. Often omitted where the adjuster assumed a closed cut valley.

8. Steep and High Roof Charges

Labor adjustments for steep pitch and multi story access are frequently left off. Document the pitch and eave height.

9. Debris Removal and Dump Fees

Tear off generates waste that has to be hauled and dumped. Confirm it is in the scope at a realistic quantity.

10. Permit Fees

Many jurisdictions require a permit. If it is required, it is a legitimate cost of the repair.

11. Code Upgrades

When the existing roof does not meet current code, bringing it to code is often covered under the policy's ordinance or law provision. Cite the specific code requirement.

12. Overhead and Profit

General contractor overhead and profit is commonly applied when a job involves multiple trades. Document the trades involved and request it where it applies.

Turning the List Into a System

Check every scope against these twelve, photograph each one on every roof, and your supplements write themselves. AI document processing can run this exact comparison automatically and flag what is missing before you even open the scope.

The Bottom Line

The items adjusters miss are the same on nearly every job. A checklist, photos, and a consistent supplement format recover them. Start with these twelve.