Plywood (Roof Decking)
A type of roof decking made from layered wood veneers glued together. Generally more moisture-resistant than OSB and preferred in humid climates.
A type of roof decking made from layered wood veneers glued together. Generally more moisture-resistant than OSB and preferred in humid climates.
Why Plywood Matters for Insurance Claims
When decking replacement is needed during a roof restoration, the type of decking directly affects the estimate total. Plywood costs more than OSB, so using the correct selector code in Xactimate is important for accurate pricing. If the existing roof had plywood decking, the replacement should be plywood to match. Adjusters and contractors should verify the decking material during inspection or tear-off and document it with photos showing the cross-section of the board.
Plywood in Xactimate Estimates
Plywood decking has its own line items in Xactimate, separate from OSB. Common items include removal of damaged plywood and installation of new plywood, each measured in square feet. The grade (typically CDX for roofing) and thickness should be specified. If partial decking replacement is needed, measure only the damaged area rather than the full roof. Include waste for cutting around rafters and roof features.
Plywood vs. OSB Performance
Plywood handles moisture exposure better than OSB because its cross-laminated veneers resist swelling and delamination. In humid climates or situations where the decking may be exposed to rain during construction, plywood is the preferred choice. When documenting decking condition during tear-off, note whether the material is plywood or OSB, as this distinction affects both the replacement cost and the assessment of moisture damage severity.
Frequently asked questions
The most common thickness is 7/16 inch or 1/2 inch for residential roofs with standard rafter spacing. Homes with wider rafter spacing (24 inches on center) may require 5/8 inch plywood. The thickness should be specified in the Xactimate estimate.
Yes. Plywood typically costs 20 to 40 percent more per sheet than OSB. In Xactimate, plywood and OSB have separate selector codes with different unit prices. The estimate should specify the correct material to avoid underpayment.
Insurance pays for like kind and quality replacement. If the existing decking was OSB, the claim covers OSB replacement. Upgrading to plywood is the homeowner's choice, and the difference in cost would be out of pocket.
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