OH · Population 11.8M
Ohio roofing supplement law (2026)
Ohio has no statutory matching requirement.
Matching law
Ohio has no statutory matching requirement.
ACV vs RCV
Both available.
Depreciation
Recoverable depreciation released on completion.
Statute of limitations
8 years for written contracts under R.C. §2305.06.
Public adjuster rules
Licensed by Ohio Department of Insurance.
Code upgrade rule
Ohio adopts the 2017 Residential Code of Ohio (RCO), based on IRC.
Top carriers in Ohio
- State Farm
- Nationwide
- Allstate
- Erie
- Progressive
Erie (OH/PA regional) and Nationwide (OH HQ) pay supplements promptly.
Pro tips
- Ohio sees frequent wind damage (derecho events). Document EF-rating where applicable.
Frequently asked questions
Does Ohio require roof matching?
No statutory requirement. Matching claims rely on policy language and good-faith claims handling.
Built for Ohio roofing contractors
Satellite roof measurements
$10/report, ~5-min turnaround on any Ohio address.
AI insurance supplements
Letters cited to Ohio statutes + IRC code automatically.
Retail estimator
Branded Good/Better/Best proposals in 60 seconds.
Xactimate supplement software
Surface every missed line item before you submit.
RoofGenius AI
Audit a Ohio carrier estimate in 60 seconds.
Upload any closed claim. Our AI cites the Ohio statutes and IRC code sections automatically and outputs a Xactimate-ready supplement letter.
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