17 line items insurance carriers always miss
Free printable checklist with IRC code citations. Use it before you submit any supplement.
Required at eaves & rakes; commonly missed at rakes.
Often paid at eave only; supplement the rake side.
Eave to 24" past warm wall in qualifying climates.
Not interchangeable with cut field shingle.
Bill separately; carriers often omit when ridge length is small.
Spec-grade upgrade typically owed.
When existing fastening doesn't meet current code.
Min 1/2" for asphalt shingles.
Replace with re-roof; carriers frequently omit.
Not reusable; replace with re-roof.
Cut-and-reset is not the same as replace.
Required when open valley specified.
Mandatory on re-roofs in coastal FL.
Mandatory on Florida re-roofs >25%.
1:150 net free ventilation area required.
Frequently overlooked; bill detach + reset.
Owed when claim involves 3+ trades — roof + gutter + paint typically qualifies.
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