Roofing Insurance Laws by State
A primary-sourced reference for all 51 states: labor depreciation in ACV, matching requirements, deductible rebating, and whether you can negotiate a claim.
Steep and High Roof Charges in Xactimate: How They Actually Work
Xactimate's steep-slope surcharges start at 7/12, not 4/12, and run in three tiers. Here's what the line items say, how they're applied per square, and why they go missing from estimates.
The Contractor's Guide to Roofing Insurance Estimates
An insurance estimate isn't a bid — it's a documented argument for what the job actually requires. Here's how a roofing estimate is built, line by line, and where the money usually goes missing.
Ordinance or Law Coverage: How to Get Roof Code Upgrades Paid
Adjusters scope roofs 'like for like,' but current building code often requires more than what was there. Ordinance or Law coverage pays that gap — here's what it covers on a roof and how to claim it.
Xactimate Labor Categories: RFG vs. DMO, and Why They Matter
When roofing tear-off gets priced under Xactimate's demolition (DMO) labor instead of roofing (RFG), the removal comes in at about half its real cost. Here's why it happens and how to supplement for it.
RCV vs. ACV vs. Recoverable Depreciation, Explained
The first insurance check is almost never the full payout. Here's what RCV, ACV, and recoverable depreciation actually mean on a roof claim — and how to make sure you collect all of it.
Overhead and Profit (O&P): When Insurance Owes It and How to Prove It
Insurers strip overhead and profit off roof claims using the 'three-trade rule.' That rule isn't law — and Xactimate's own maker doesn't endorse it. Here's when O&P is owed, when it isn't, and how to get it paid.
How to Document Roof Damage for Insurance Claims (Photo Checklist)
The quality of your photo documentation directly determines whether your supplement gets approved or denied. Here's the complete shot-by-shot checklist contractors need for every claim.
How to Fight a Lowball Insurance Estimate on a Roof Claim
When the insurance estimate comes in too low, most contractors accept it or walk away. Here's how to fight back with documentation, supplements, and escalation paths that actually work.
10 Line Items Insurance Adjusters Miss on Every Roof Estimate
Most insurance roof estimates are missing thousands of dollars in legitimate line items. Here are the 10 most commonly missed items and how to supplement for them.
What Is a Roofing Supplement? A Contractor's Complete Guide
A roofing supplement is a request for additional funds from an insurance company when the initial estimate falls short. Learn how supplements work, when to file one, and how to get them approved.
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