Asphalt Shingles

The most common residential roofing material in the United States, made from fiberglass mat coated with asphalt and mineral granules. Available in 3-tab and architectural styles.

Why Asphalt Shingles Matter for Insurance Claims

Asphalt shingles are the roofing material involved in the vast majority of residential insurance claims in the U.S. When hail, wind, or storm damage occurs, the type and condition of the shingles directly affects coverage decisions. Adjusters evaluate whether damage is cosmetic or functional, and whether the shingles can be repaired or must be fully replaced. The age and style of the shingles also factor into depreciation calculations, since older shingles carry more depreciation than recently installed ones.

Asphalt Shingles in Xactimate Estimates

In Xactimate, asphalt shingles fall under the RFG (roofing) trade category. Line items cover removal of damaged shingles, installation of new shingles, and associated materials like underlayment, starter strips, and ridge caps. Pricing is calculated per roofing square and varies by region based on the Xactimate pricing list. Contractors should verify that the estimate specifies the correct shingle type, since architectural shingles cost more than 3-tab and the pricing difference is significant across a full roof replacement.

Practical Considerations

When filing a claim involving asphalt shingles, document the manufacturer, product line, and age of the existing shingles. This information supports accurate replacement cost estimates and helps resolve disputes over matching. Many manufacturers require specific underlayment and nail patterns for warranty compliance, and these requirements should be reflected in the Xactimate estimate as separate line items.