Architectural Shingles
A premium asphalt shingle with a dimensional, layered appearance that mimics wood shake or slate. Heavier and more durable than 3-tab shingles with a longer warranty.
A premium asphalt shingle with a dimensional, layered appearance that mimics wood shake or slate. Heavier and more durable than 3-tab shingles with a longer warranty.
Why Architectural Shingles Matter for Insurance Claims
Architectural shingles are now the standard on most residential roofs built or re-roofed in the last 15 to 20 years. When storm damage occurs, the claim estimate must specify architectural shingles by name to ensure the replacement matches the existing roof. Because they cost more than 3-tab shingles, using the wrong line item in Xactimate can result in an underpayment of several hundred dollars per square. Adjusters and contractors should confirm the shingle type during the initial inspection.
How Architectural Shingles Appear in Xactimate
Xactimate uses distinct selector codes for architectural versus 3-tab shingles under the RFG trade category. The line item includes both material and labor. Pricing varies by region and is updated through the Xactimate pricing list. When writing an estimate for an architectural shingle roof, make sure the line items also include the correct underlayment, starter strip, and ridge cap products, since manufacturers often require specific accessories for warranty coverage.
Matching and Discontinuation
One common challenge with architectural shingles is matching. If the damaged shingle product has been discontinued or the color has weathered, a full slope or full roof replacement may be justified to maintain a uniform appearance. Document the existing product name and color during inspection. Many policies include matching provisions, and this documentation strengthens supplement requests when partial replacement leaves a visible mismatch.
Frequently asked questions
Yes. Architectural shingles cost more per square for both material and labor. In Xactimate, they have separate line items with higher unit prices than 3-tab shingles, and this difference should be reflected in any insurance estimate.
Generally no. Insurance policies typically require replacement with like kind and quality materials. If your home had architectural shingles before the loss, the estimate should include architectural shingles as the replacement.
Most architectural shingles are rated for 110 to 130 mph winds when installed according to manufacturer specifications. This higher wind resistance is one reason they carry longer warranties than 3-tab shingles.
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