Felt Paper

Traditional asphalt-saturated paper used as roof underlayment. Available in 15-lb and 30-lb weights. Being replaced by synthetic underlayment in many markets.

Why Felt Paper Matters for Insurance Claims

Felt paper is still found on the majority of existing residential roofs, even as synthetic underlayment becomes the new standard. When an insurance claim involves a roof that had felt paper underlayment, the estimate should specify felt paper as the replacement material unless the shingle manufacturer or building code now requires synthetic. Using the correct underlayment type in the estimate prevents disputes over material costs and ensures the claim accurately reflects the replacement scope.

Felt Paper in Xactimate Estimates

Felt paper has its own line items in Xactimate, measured in squares. The 15-lb and 30-lb weights have different selector codes and different unit prices. When writing the estimate, specify the correct weight. If the original roof had 15-lb felt but the replacement shingles require 30-lb felt or synthetic for warranty compliance, the estimate should reflect the upgraded material. This is a legitimate cost that should not be absorbed by the contractor.

Limitations of Felt Paper

Felt paper absorbs water, can tear during installation, and becomes brittle with UV exposure. If the felt paper is exposed to weather during the re-roof process, it can wrinkle and degrade. These limitations are why many contractors and manufacturers prefer synthetic underlayment. For insurance claims, the key consideration is whether the policy requires like kind and quality replacement (felt to felt) or whether a code or manufacturer requirement justifies the upgrade to synthetic.