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The Complete Xactimate Roofing Supplement Checklist

Written by Jason Alan  |  Published April 2026  |  10 min read

This is the list every roofing contractor doing insurance restoration work should run against every estimate before they sign off on a job. Adjusters miss items — not always on purpose, but consistently. This checklist covers every supplementable line item in a standard residential roofing claim, organized by category, with Xactimate codes and the argument to use when the item is missing.

Bookmark this page. Print it out if you have to. Run through it on every estimate.

Jump to Category

Underlayment and Moisture Protection

Line Item Xactimate Code When Required Common Miss
Felt underlayment (15 lb or 30 lb) RFG FELT15 / RFG FELT30 Standard underlayment under shingles per IRC R905.2.3 Often included at wrong square footage (no waste factor)
Synthetic underlayment RFG SYNTH When installed instead of felt; superior product with different pricing Adjuster uses felt pricing when synthetic was installed
Ice and water shield — eave RFG IWS IRC R905.1.2 in climate zones where ice dams occur; 36" minimum from eave Omitted entirely or underquantified
Ice and water shield — valleys RFG IWS Manufacturer requirement in most valley applications; IRC R905.2.8 Adjuster applies only at eave, ignores valleys
Ice and water shield — penetrations RFG IWS Around chimneys, skylights, vents per manufacturer installation instructions Rarely included by adjusters

Edge and Perimeter Details

Line Item Xactimate Code When Required Common Miss
Drip edge — eave RFG DRIPE IRC R905.2.8.5 — required on eaves for all shingle applications Included at minimal footage or wrong unit pricing
Drip edge — rake RFG DRIPE IRC R905.2.8.5 — required on rake edges as well as eaves Adjuster includes eave only, skips rake edges entirely
Starter course shingles RFG STRTR Required by all major manufacturers to maintain warranty Omitted, or buried incorrectly in shingle line item
Hip and ridge cap shingles RFG HIP Required wherever hips and ridges exist Underquantified — adjuster uses raw linear footage without material waste
Ventilated ridge cap RFG RIDGV When ridge vents are part of the scope; separate from ridge cap shingles Adjuster prices standard ridge cap when ventilated product was installed

Flashings and Penetrations

Line Item Xactimate Code When Required Common Miss
Step flashing RFG FLSHG Wherever roof meets a vertical wall (dormers, additions) Lumped into general flashing or omitted entirely
Counter flashing RFG FLSHG Over step flashing at wall intersections and chimneys Adjuster includes step but skips counter
Chimney flashing (full) RFG CHFLS All four sides of chimney; includes base, step, and counter flashing Adjuster prices only front (base) flashing
Pipe boot/pipe flashing RFG PFLS Every plumbing vent stack that penetrates the roof Missed entirely or quantity is wrong (count every vent)
Skylight flashing RFG SKYLF Any skylight in scope Adjuster includes skylight but skips dedicated flashing line item
Valley flashing (metal) RFG VALM Open valley applications or where closed valleys are being converted to open Adjuster uses woven valley price when metal valley was installed

Labor Adjustment Factors

Line Item Xactimate Code When Required Common Miss
Steep pitch — 7/12 to 9/12 RFG STEEP1 Any roof section 7/12 pitch or steeper Adjuster ignores pitch factor entirely or applies only to tear-off
Steep pitch — 10/12 to 12/12 RFG STEEP2 Any roof section at 10/12 pitch or steeper Wrong factor applied (STEEP1 used when STEEP2 is warranted)
Steep pitch — over 12/12 RFG STEEP3 Any roof section exceeding 12/12 Often classified as STEEP2 to reduce payout
High roof (story surcharge) RFG HIGH Roofs where eave height exceeds 2 stories (typically 20+ feet) Not applied even when ladders or lifts are required
Tear-off — multiple layers RFG TEARX When two or more layers of existing shingles must be removed Adjuster prices single-layer tear-off on a two-layer roof
Difficult access surcharge RFG ACC Properties where staging, fencing, or landscaping limits access Rarely included without contractor documentation

Accessories and Components

Line Item Xactimate Code When Required Common Miss
Roof vents — off-ridge RFG VENTO Any off-ridge ventilation in scope Quantity is wrong; adjuster uses fewer vents than actually installed
Ridge vent (linear) RFG VENTRL Continuous ridge vent systems Underquantified; adjuster uses shorter linear footage than actual ridge length
Power attic ventilator RFG VNTPWR When electrically powered vents are removed and replaced Priced as standard vent; electrical component is not included
Satellite dish removal and reset MIS SATD When a dish must be removed for roofing and reinstalled Not included in roofing estimate at all
Solar panel removal and reset ELE SOLAR R&R When solar panels must be removed for roofing access Usually requires separate estimate; commonly missed in initial scope
Gutter apron / gutter flashing RFG GUTAP Installed behind gutters at eave edge; separate from drip edge Adjuster confuses with drip edge and only includes one

Overhead, Disposal, and Project Costs

Line Item Xactimate Code When Required Common Miss
Dumpster / debris disposal RFG DUMP Any full roof replacement requiring debris removal Adjuster prices haul-away without dumpster cost; or omits entirely
Permit fee FEE PRMT Whenever a building permit is required (most jurisdictions) Omitted, especially when adjuster is not local
Material delivery surcharge RFG DEL When materials must be staged or delivered under special conditions Not included in estimates for rural or difficult-access properties
General contractor O&P (multi-trade) O&P line at estimate bottom When three or more trades are involved in the total claim Not applied on multi-trade claims; the most valuable missed item
Supplemental O&P on supplement items O&P line at estimate bottom O&P should apply proportionally to all supplemented line items Adjusters add the supplement but omit O&P on the supplement itself

Code Upgrade Items

Line Item Xactimate Code Code Reference Common Miss
Ice and water shield (code upgrade) RFG IWS IRC R905.1.2 — required in climate zones where ice dams are possible Adjuster excludes as "not in original scope" without considering code upgrade requirement
Drip edge (code upgrade) RFG DRIPE IRC R905.2.8.5 — required on all new shingle installations Adjuster excludes because original roof had no drip edge
Sheathing repair or replacement RFG SHTG IRC R803 — structural sheathing must be continuous and meet minimum thickness Adjuster excludes sheathing replacement without an inspection report
Ventilation upgrade RFG VENT (various) IRC R806 — 1/150 net free area ratio for attic ventilation Replacement ventilation priced at existing quantity without checking code compliance
Nailing pattern upgrade Applied via note in supplement Local high-wind zones often require 6-nail pattern per IRC R905.2.6 Not included in standard estimate; requires field documentation and supplement

How to Use This Checklist

Run through each category against the adjuster's estimate line by line. For every item that's missing or underquantified, write a one-paragraph supplement note citing the Xactimate code and the reason the item is required. Group all supplement items into a single PDF and send it to the adjuster as one package.

Don't submit items one at a time — you'll spend twice the time and create confusion. One supplement letter, all items, clear documentation. That's the process that gets checks cut.

The items that recover the most money per claim, in order: O&P on multi-trade claims, steep pitch labor factors, ice and water shield, drip edge (rake edges), and starter course. If you only check those five categories on every claim, you'll recover the majority of what's being left on the table.

Run This Checklist Automatically in 60 Seconds

ClaimStack scans your adjuster's estimate against this exact checklist — every code, every commonly missed item — and flags what's missing. Upload your estimate and see what you're owed before you sign off on anything.

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