What does a roofing insurance quote example look like?
The summary page
Start at the bottom line, not the top. A typical summary reads like this hypothetical example: replacement cost value $14,000, less recoverable depreciation $4,000, equals actual cash value $10,000, less deductible $2,000, equals a first check of $8,000. The $4,000 of recoverable depreciation is paid later, after the work is done, if your policy pays replacement cost.
The line items
Most carriers write roof estimates in Xactimate, so the lines look similar from one company to the next:
- Remove shingles (per SQ, which is 100 square feet), sometimes with an extra line for a second layer.
- Underlayment per SQ, plus ice and water barrier in valleys if included.
- Shingles per SQ with a waste factor added for hips, valleys and cuts.
- Drip edge, starter and ridge cap per LF (linear foot).
- Flashing, pipe jacks and vents per EA (each).
- Steep and high roof charges when pitch or height makes the work slower.
- Debris removal and, on some claims, general contractor overhead and profit.
What to check
Compare the squares to a real measurement, confirm the waste factor fits your roof's shape, and look for items your roof has that the estimate skipped, such as step flashing at walls or a second layer of shingles. Missing lines are usually handled through a supplement rather than a dispute. Our Xactimate guide explains each code, and ACV vs RCV explains why the first check is smaller.