The Roofer's Insurance Claim Supplement Checklist

The code-required accessories and line items adjusters “forget” — the ones that get your claims approved at full value. Here's the whole thing, free. Grab the printable PDF if it's useful.

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No email required. Print it, keep it in the truck, run every roof against it.

1 · Document it right — before you touch the roof

Wide shot and a close-up of the same damage spot — adjusters need context + detail
Shoot everything before you touch it, date-stamped
One labeled photo per slope — don't dump 40 random pics on the adjuster
Chalk-circle hail hits before you photograph them so the pattern reads instantly
Make the first photo the house number / address on every job

2 · Code-required accessories they leave off

Starter strip — required, not optional IRC R905.2.8.5
Hip & ridge cap — a separate line item from field shingles mfr. spec
Drip edge at eaves and rakes IRC R905.2.8.5
Ice & water shield — 24″ inside the interior wall line (1 row often won't cover it) IRC R905.1.2
Valley metal / lining IRC R905.2.8.2
Step flashing, counter flashing, pipe boots, chimney flashing IRC R903.2
Attic ventilation brought to code — intake + exhaust IRC R806

3 · Line items commonly missed

Chimney cricket / saddle on anything wider than 30″ — a code-upgrade item
Detach & reset — gutters, solar, satellite, A/C condenser lines
Debris haul-off / dumpster + dump fees
Steep charge (7/12+) and high charge (2+ stories)
Cornice returns & all flashings — almost always left off
Permit fees
Overhead & Profit (O&P) — push for it on any 3+ trade job

4 · The paperwork that actually wins it

Cite the code section in writing (“per IRC R905.2.8.5…”) — adjusters rarely fight code
Attach the manufacturer's installation requirements
Photo evidence attached to each supplemented line item
Match everything to the correct Xactimate line codes

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Free from WorkSiteCam — the app that turns roof photos into carrier-ready reports.
Educational reference to help document a claim, not legal or adjusting advice. Verify code against your local AHJ.