Roofing & Restoration Insurance Supplement Audit

Tier 1 — Executive Summary

An automated building-code and safety audit of the initial insurance carrier scope found eight mandatory International Residential Code and federal workplace safety items omitted from the adjuster worksheet. Submitting these verified code-upgrade line items recovers significant unpaid labor and materials on this single roof replacement before the claim closes. The complete adjuster supplement packet and outreach drafts below are ready to send directly to the desk adjuster today.

Initial Carrier Scope

$14,280.00

Verified Omitted Recovery

+$9,541.75 (+66.8%)

Revised Code-Compliant RCV

$23,821.75

Omitted Code & OSHA Items

8 Line Items

Tier 2 — Conceptual Bridge: Current State vs. Impact vs. Target Fix & Owner

System / Scope Layer	Current State (Production Claim Impact)	Financial & Compliance Impact	Target Fix & Owner
IRC R905 Perimeter & Valley Waterproofing (Production Claim Critical)	Adjuster scope includes field shingles only and omits eave/rake drip edge, valley/eave ice-and-water membrane, and starter course strips.	Contractor absorbs $2,520+ in mandatory materials and gutter detach labor required to pass municipal roof inspection.	Supplement Desk / Project Manager: Submit IRC R905.2.8.5, R905.2.7.1, and R905.2.8.1 code citations from Tier 3 table to carrier desk adjuster.
OSHA 1926.501 Steep-Slope Safety & Ventilation (Production Claim Critical)	Scope omits steep-slope harness/anchor setup labor and IRC R806.2 balanced ridge ventilation.	Leaves $1,778+ in mandatory safety compliance and attic ventilation hardware unpaid.	Supplement Desk: Attach roof pitch photo and ridge measurement with OSHA 29 CFR 1926.501 citation.
Multi-Trade GC Overhead & Profit (10%/10%) (Production Claim Critical)	Carrier omitted General Contractor O&P despite coordinating roofing, sheet-metal gutters, and interior drywall trades.	Unpaid $1,999.20 project management margin on multi-trade storm restoration.	Estimator: Request full 10% Overhead / 10% Profit release prior to final depreciation invoice.

Tier 3 — Line-Item Xactimate Supplement Schedule & Code Citations (Claim #CLM-2026-88412 — State Farm Fire & Casualty)

Xactimate Code	Line Item & IRC / OSHA Code Citation	Quantity & Rate	Omitted Recovery	Audit Status
RFG DRIP	Drip Edge (Eaves & Rakes) IRC R905.2.8.5 — Mandatory at eaves and gables on all asphalt shingle replacements	380 LF @ $3.65 / LF	+$1,387.00	OMITTED BY ADJUSTER — Mandatory Code Upgrade
RFG IWS	Ice & Water Shield Membrane (Eaves + Valleys) IRC R905.2.7.1 — Required 24 in. past interior warm wall line + full valley lining	840 SF @ $2.18 / SF	+$1,831.20	OMITTED BY ADJUSTER — Mandatory Code Upgrade
RFG ASTR	Universal Starter Course Shingle Strip IRC R905.2.8.1 & Manufacturer 130-MPH Wind Warranty Mandate (Cut 3-tab disallowed)	380 LF @ $2.45 / LF	+$931.00	INCLUDED AS WASTE ONLY — Separate Line Item Required
RFG STEP / FLCH	Step Flashing & Chimney Counter-Flashing Replacement IRC R905.2.8.2 & R905.2.8.3 — Corroded/bent flashing cannot be reused against new cladding	64 LF + 1 Assy @ $6.40 / LF + $385	+$794.60	OMITTED BY ADJUSTER — Code & Water Intrusion Mandate
RFG VNTRA	Continuous Shingle-Over Ridge Vent & Balanced Intake IRC R806.2 — Minimum 1/150 net free ventilation area required for attic code compliance	83 LF @ $11.20 / LF	+$929.60	OMITTED BY ADJUSTER — IRC R806.2 Ventilation Code
SCF HARN / OSHA	Steep-Slope Safety Harness, Tie-Off Anchors & Perimeter Setup (8/12 Pitch) OSHA 29 CFR 1926.501(b)(13) — Fall protection mandatory above 6 ft height	34.5 SQ @ $24.50 / SQ	+$845.25	OMITTED BY ADJUSTER — Federal OSHA Safety Mandate
GUT D&R	Gutter & Downspout Detach & Reset for Drip Edge Apron Installation IRC R905.2.8.5 — Existing gutters block mechanical fastening of new eave drip edge	214 LF @ $3.85 / LF	+$823.90	OMITTED BY ADJUSTER — Required for Code Drip Edge
O&P 10/10	General Contractor Overhead & Profit (10% OH / 10% Profit — 3+ Trades) Multi-Trade Coordination (Roofing, Sheet Metal/Gutter, Interior Drywall/Paint)	20% Composite @ 10% + 10%	+$1,999.20	OMITTED BY ADJUSTER — Multi-Trade GC Coordination

1-Click Gmail Outreach Helper (Contractor / Adjuster Handoff — Native Gmail Arial / Small)

Option A: Quick 1-Line / Casual Reply

Hey Mike, I ran the initial carrier scope through our building-code check and found eight required items the adjuster left off—attached the one-page breakdown so your team can send it right over.

Option B: Full Plain-English Email (Ryan McDaniel Voice)

Hi Mike,

Took a look at the initial insurance scope for the storm replacement job and compared it against the local building code requirements.

What's going on

The carrier worksheet only pays for the field shingles and leaves out the required perimeter waterproofing, starter strips, flashing, and roof ventilation that the city inspector requires to pass the job.
It also skips the required safety harness setup and multi-trade coordination margin, meaning those costs would come straight out of your pocket if the claim closes as-is.

The ask

Estimator / Supplement Desk: Forward the line-item code table in the attached one-page guide to the desk adjuster before ordering materials.
Mike (Owner): Let me know if you want us to run all of your incoming storm scopes through this check automatically using the link in the guide.

Best,
Ryan

Roofing & Restoration Insurance Supplement Audit — Apex Storm Restoration LLC