Xactimate Line Items Roofing Supplements Commonly Miss
We review hundreds of carrier scopes a year and see the same omissions over and over. Use this as a checklist before — or after — a carrier issues a scope to confirm nothing legitimate was left off.
Before you use this: treat every entry as an item to confirm, not a code to copy. Xactimate codes and pricing change by price-list version and region — always verify the current code and unit price in your own price list, and check code-required items against the applicable state and local code.
Why carriers leave line items out
A carrier's initial estimate is built to settle the claim quickly — it is a starting point, not the final word on scope. Line items get folded together, underapplied, or skipped. A supplement is simply the documented request that brings the rest of the legitimate scope onto the claim. None of this requires arguing the claim; it requires accurate documentation and a clear discussion with the carrier about what the roof actually needs.
Steep slope and pitch additions
Pitch and height charges are some of the most frequently underapplied items on a carrier scope. They are legitimate when the roof geometry calls for them.
| Line item | What to watch for |
|---|---|
| ✓Steep charge (7/12 and greater) | Often omitted or applied to too small an area. |
| ✓High roof / two-story height charge | Frequently skipped on multi-story elevations. |
| ✓Additional charge for steep + high combined | Both can apply on the same surface. |
Sheathing, decking, and prep
Tear-off and re-deck work generates several line items carriers tend to fold together or leave out entirely.
| Line item | What to watch for |
|---|---|
| ✓Board-by-board decking replacement | Document damaged decking with photos. |
| ✓Roof sheathing / OSB by the sheet | Separate from decking repair where full sheets are needed. |
| ✓Starter strip as its own line | Should not be absorbed into field shingle pricing. |
| ✓Drip edge / edge metal | Commonly missed on tear-off scopes. |
| ✓Roofing felt / synthetic underlayment | Verify the correct underlayment line for the system. |
Ventilation and penetrations
Carriers often combine these into a single allowance or skip them. Each is a discrete remove-and-replace item.
| Line item | What to watch for |
|---|---|
| ✓Exhaust vent — remove and replace | R&R — it ties into the ductwork, so it can't come off with the shingle tear-off. |
| ✓Pipe jack / plumbing boot flashing | Count each penetration. |
| ✓Step flashing and counterflashing | Where roof meets walls and chimneys. |
| ✓Skylight flashing kit | Separate from the skylight unit itself. |
| ✓Off-ridge / box vents and turbines | Replace like-for-like with what is on the roof. |
Detach-and-reset and miscellaneous
Anything mounted on or near the roof that has to come off and go back on is its own line — plus the general-conditions items a job actually incurs.
| Line item | What to watch for |
|---|---|
| ✓Detach & reset gutters / downspouts | Or full R&R when damaged. |
| ✓Detach & reset solar panels | Specialized labor; document the array. |
| ✓Detach & reset satellite dish / antenna | Small but legitimate. |
| ✓Detach & reset HVAC / mechanical on roof | Where present. |
| ✓General conditions / equipment | Where the job genuinely requires it. |
Code-required upgrades
Code items are added on top of like-for-like replacement when the local jurisdiction requires them. Requirements vary by state and municipality — always verify against the applicable local code before relying on any item.
| Line item | What to watch for |
|---|---|
| ✓Ice-and-water shield where required | Required by amendment in many cold-climate jurisdictions. |
| ✓Drip edge required by code | Many jurisdictions mandate it on new roofs. |
| ✓Decking re-nail / fastening to current code | Where the code requires it on replacement. |
| ✓Permit and inspection fees | A real, documentable cost of the job. |
How We Use This List on Your Jobs
Our licensed Independent Adjusters audit every file against a checklist like this one — not just the obvious misses. We document each item the roof legitimately needs, build it into the supplement with supporting evidence, and have the discussions with the carrier to get the full scope addressed. We do not argue or negotiate coverage or the claim; we document the scope and have discussions with the carrier to get every item addressed, then follow it through to resolution.
Across 10,000+ supplements, this kind of line-by-line review is what moves the average claim 20-40%over the carrier's first number. Related reading: the Xactimate supplement guide, items insurance companies commonly miss, and our residential supplement service.
Questions About Missed Line Items
Carrier-generated scopes are built to settle a claim quickly, not necessarily completely. That is not always intentional — the initial estimate is a starting point. A supplement is the documented request that brings the rest of the legitimate scope onto the claim.
Use this as a checklist of items to confirm, not a code sheet. Xactimate codes and pricing change between price-list versions and regions, so always verify the current code and unit price in your own price list before you write or rely on a line item.
It varies widely by roof size, pitch, and region — a single overlooked category like steep-slope charges or detach-and-reset can move a residential supplement by several thousand dollars. Rather than quote a made-up figure, see real outcomes on our case studies page.
No. This is the kind of checklist our licensed Independent Adjusters run against every file — not just the obvious misses. Send us a scope and we will review it the same way.
Send Us a Scope to Review
Have a licensed Independent Adjuster check a carrier scope against the full checklist before you accept it.