17 line items insurance carriers always miss

Printable checklist with IRC code citations. Use it before you submit any supplement.

#1Drip edge — D-style at eavesIRC R905.2.8.5

Required at eaves & rakes; commonly missed at rakes.

#2Drip edge — L-style at rakesIRC R905.2.8.5

Often paid at eave only; supplement the rake side.

#3Ice & water shield (eave + valleys)IRC R905.1.2

Eave to 24" past warm wall in qualifying climates.

#4Starter strip (separate from field shingle)Mfr spec + IRC R905.2.7

Not interchangeable with cut field shingle.

#5Ridge cap (separate line item)IRC R905.2.8.3

Bill separately; carriers often omit when ridge length is small.

#6Synthetic underlayment (vs. felt)IRC R905.1.1

Spec-grade upgrade typically owed.

#7Decking re-nail per codeIRC R908.3

When existing fastening doesn't meet current code.

#8Decking replacement (rotten/non-conforming)IRC R908.3

Min 1/2" for asphalt shingles.

#9Pipe boots / vent bootsMfr spec

Replace with re-roof; carriers frequently omit.

#10Step flashing (sidewalls)IRC R905.2.8.2

Not reusable; replace with re-roof.

#11Counter flashing (chimneys)IRC R905.2.8.2

Cut-and-reset is not the same as replace.

#12Valley metal (open valleys)IRC R905.2.8.2

Required when open valley specified.

#13Hurricane straps (FL coastal)FBC 2023 §1503

Mandatory on re-roofs in coastal FL.

#14Secondary water barrier (FL)FBC 2023 §1503

Mandatory on Florida re-roofs >25%.

#15Ventilation upgrades (intake + exhaust balance)IRC R806

1:150 net ventilation area required.

#16Satellite/dish detach & resetTrade-standard

Frequently overlooked; bill detach + reset.

#17Overhead & profit (3+ trades)Industry standard

Owed when claim involves 3+ trades — roof + gutter + paint typically qualifies.

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