The difference between a roofing job that pays and one that drags for months is usually the estimate. Insurance adjusters approve claims that are itemized, code-correct, and documented. Vague "replace roof — $14,000" estimates get cut. Here's the structure that gets approved.
| Line item | Unit | Why it matters |
|---|---|---|
| Tear-off & disposal | per square | Always billed separately |
| Decking replacement (if needed) | per sheet | Adjuster pays if photographed |
| Synthetic underlayment | per square | Code upgrade in most counties |
| Ice & water shield | per linear ft | Eaves/valleys — code-required |
| Drip edge | per linear ft | Often a supplement |
| Architectural shingles | per square | Match carrier's approved grade |
| Ridge & off-ridge vent | per linear ft | Ventilation code upgrade |
| Flashing (step & counter) | per linear ft | Walls/chimneys |
Carriers write to their own price list, which is usually below your real cost. A supplement is the request for the gap — code upgrades, missed damage, or underpriced labor. Roofers who supplement well earn 10–25% more per claim. The supplement only works if your original estimate already lists the line item with a photo behind it.
When the adjuster, the homeowner, and your crew all reference different versions, payments slip. Clovr keeps the estimate, every photo, the signed contract, and the final invoice in one permanent record — so if the carrier questions a line item six weeks later, you pull the timestamped proof in seconds instead of re-driving to the job.
Line items, timestamped photos, and a permanent record — built for roofers.
Start Free Trial →Itemize every component (tear-off, underlayment, flashing, shingles, vents) by unit, include code upgrades as separate lines, and attach timestamped photos. Vague lump-sum estimates get reduced.
A request to the carrier for the difference between their scope price and your real cost — usually code upgrades and overlooked damage. It only succeeds with documentation already in your estimate.
A 2,000 sq ft home is roughly 20–24 squares (2,000–2,400 sq ft of roof surface, allowing for pitch). Measure, don't guess.