You, the Insurance Company, and Your Contractor… The Conversation Has Changed!

Your insurance company provides the initial scope of loss and estimate. Often insurance companies will leave off standard compliance items from roofing scope.

Angry Person

Examples of this include:


Pipe Boots, Flashing, Starter Shingles, Ridge Cap Shingles, Shingle Quality, Drip Edge, Chimney Caps, Gutter Guards, Gutters Dumpsters, Safety Equipment, and Management Fees.

Because these items are commonly left off, your insurance company is lowballing the repair estimate. Ultimately you need to consider supplementing: And in our opinion, the conversation has changed!

Indemnity (n.) [in-dem-ni-tee]- security or protection against a loss or other financial burden.

A supplement takes place after the initial estimate it provided.

It is a second estimate sent to the insurance company by the contractor or public adjuster. This secondary estimate will include the areas of scope that the insurance company did not include in their initial estimate.

We want to get paid for the job done correctly and completely…

Your roof is not the place for a checkerboard of colors

Thankfully the conversation is changing

Litespeed Construction has no issues with doing roof repairs. But the conversation has changed. We replace old damaged shingles, gutters, and siding everyday. The spirit and point of the matching law is to have a guideline for when an attempt is made to match the old and new shingles, and the result is not acceptable match. The Matching Law states that faded, discolored, discontinued, or even weathered looking shingles would all require the insurance company to replace the items in full if there is not reasonable Kind-Like-Quality match.

Supplementing for Property Loss Draft 1

The two ultimate deciding factors are the words “Reasonable Match” and “Line of Sight”. The insurance matching law(s) in the state of TN do not specifically state “Line of Sight”, and If that line of sight is unacceptable or unreasonable, the Matching Law helps all parties involved to understand that the conversation is now about replacing a roofing system, or gutter system, or whatever the case may be, not just the repair.

Sparkling Roof

Don’t be satisfied with only 90% of your roof

Eagle EyeInsurance companies use a roof measuring software called Eagleview. Eagleview states that starter and ridge cap shingles are NOT included in waste measurements on the back page of each of their roofing estimates. The conversation has changed!

Litespeed Construction usually supplements for 10% waste (sometimes more) for field shingles, and we include starter and ridge cap shingles additional per foot in our supplemental line items. In our opinion insurance companies are not indemnifying their insured without paying for the correct amounts of roofing materials.

Xactware Overhead and Profit Document

Measuring software Hover / E360 which builds a digital model of the home is also a measuring software that Litespeed Construction uses frequently. Same note here as on Eagleview, waste does not include starter or ridge cap shingles.

Aside: The truth is that starter shingles are always installed at the eaves of the roofs. Insurance companies do not like to pay the additional money for footage of starter because they are more expensive than standard shingles. The truth is that they should be more expensive to install, they are always on the edge of the roof, and thus MUCH more dangerous for contractors and installers.! The conversation has changed!

Why Codes Are Important

The International Residential Codes is the primary tool for state, counties, and city governments for residential building specifications. Not to be confused with the IBC which is the International Building Code (used for Commercial building design).

The IRC has adopted some languages that we at Litespeed Construction commonly reference to insurance companies. The main items that we include are the following:

Roofing section of the IRC states that “roofing is to be constructed to IRC specifications, OR manufacture specifications”. One of the manufactures that Litespeed Construction most frequently uses is GAF. The image below shows several of the GAF specifications for roofing and repairs that Litespeed Construction references to insurance companies in supplements.

GAF Logo

The following technical document turns partially funded insurance replacement roofs turn into fully funded insurance roofs. If a tree falls onto a portion of a roof damaging the shingles, then insurance company is usually going to insist on funding a repair to the roof.

Technical Advisory Bulletin-GAF

Insurance funding does not exceed deductible… frustrating! You wanted your entire roof replaced?!

This technical advisory bulletin is considered code by the IRC and as such if there is a code upgrade provision on your insurance policy will describe that your work shall be built to code. So it is now code to have your felt overlapping at hips and ridges. So the bottom line is that your insurance company will need to fund your roof to be built back to code. If the felt is not overlapping the ridges and hips, then the repair can not be performed to code. Just a side note, most contractors do not install the felt to code as described in the below technical bulletin.

Felt Install Technical Advisory Bulletin

Felt Install Technical Advisory Bulletin

Custom Bent Fascia Metal

This is an xactimate code item that we will submit for when we have to bend fascia metal on site instead of buying it pre bent. The difference in pricing between the 6” and 8” prebent fascia install and the custom bent fascia install is around $7/ft. Fascia often blows off during wind storms, or is damaged when sideways hailstones strike it.

Custom Bent Fascia

This line item will almost never be offered by your insurance company as an item that is “custom bent” and funded at a higher rate. This will always have to be supplemented after the fact.

Don’t take a 20% discount on your next…

Every insurance company has different ways that they want to pay for O&P. Companies like Allstate and others will pretty much never pay O&P unless they get sued. Honestly, we are a little confused about why Allstate is still in the homeowner’s insurance business. Sorry, I digress…

Policyholders should know that Overhead and Profit fees are accessed to Insurance companies by contractors as a general contractors superintendent or an office fee. There are always discussions about trades, inclusion, exclusion, for payment of the 20% O&P, but honestly the most straightforward description of the 20% fee is made by the State of Tennessee and is linked below. This is what Litespeed Construction sends to the insurance companies that we supplement to describe the warrant for this fee.

When is Overhead and Profit Due in Tennessee?

Video Interview with Steve Patrick

The conversation has changed for the insurance industry as well, the list of exclusions is increasing every year. Deductibles are getting higher and higher for homeowners. Insurance companies are low-balling almost every single estimate that we see for contractor services. Unfortunately there are contractors and homeowners who try to take advantage of the insurance companies, the truth is, that has always been there, and will probably always be there.

At Litespeed Construction, our first obligation is to our homeowners. Litespeed Construction uses measuring softwares, laws, specifications, and expertise to get the appropriate pricing for roofing gutter and siding work. The goal is to make our homeowners whole, or indemnify and restore.