3-Tab Shingles
A flat, single-layer asphalt shingle with cutouts that create three uniform tabs. Less expensive than architectural shingles but with a shorter lifespan.
A flat, single-layer asphalt shingle with cutouts that create three uniform tabs. Less expensive than architectural shingles but with a shorter lifespan.
Why 3-Tab Shingles Matter for Insurance Claims
Three-tab shingles are found on millions of older homes across the country. Because they are thinner and lighter than architectural shingles, they are more susceptible to wind lift and hail damage. Their shorter expected lifespan also means more depreciation is applied when the carrier calculates actual cash value. Understanding how 3-tab shingles are classified in a claim helps contractors and adjusters write accurate estimates and avoid underpayment.
3-Tab Shingles in Xactimate
Xactimate has separate line items for 3-tab shingles under the RFG trade category. The unit price per square is lower than architectural shingles, reflecting the lower material cost. When writing an estimate for a 3-tab roof, use the correct selector code to avoid inflating or understating the claim. Starter strips, underlayment, and ridge caps should also be included as separate line items.
Matching Challenges
As manufacturers reduce 3-tab production, finding an exact color and profile match for partial repairs becomes harder. When a discontinued product is involved, the contractor may need to document the mismatch and submit a supplement requesting full slope or full roof replacement. Photos comparing the existing shingles to available replacements are essential supporting documentation.
Frequently asked questions
Yes, but availability has decreased as architectural shingles have become the industry standard. Some manufacturers have discontinued certain 3-tab product lines, which can complicate matching for partial roof repairs on insurance claims.
Three-tab shingles have a shorter expected lifespan (15 to 20 years), so they depreciate faster than architectural shingles. On an actual cash value payment, older 3-tab roofs may receive significant depreciation holdback.
The insurance company pays for like kind and quality replacement. You can upgrade to architectural shingles, but you would typically pay the difference in cost out of pocket. The carrier covers only what 3-tab replacement would cost.
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