Underlayment
A protective layer installed between the roof deck and shingles that provides a secondary barrier against water infiltration. Available in felt and synthetic options.
A protective layer installed between the roof deck and shingles that provides a secondary barrier against water infiltration. Available in felt and synthetic options.
Why Underlayment Matters for Insurance Claims
Underlayment is a required component of every roofing system. When a storm damages shingles and exposes the underlayment, the secondary barrier is the only thing preventing water from reaching the roof deck and interior. During a claim inspection, the condition of the underlayment helps determine whether the roof needs a full replacement or partial repair. Torn, deteriorated, or missing underlayment is evidence of compromised roof integrity.
Underlayment in Xactimate Estimates
In Xactimate, underlayment appears as a separate line item under the RFG trade category. Felt paper (15-lb or 30-lb) and synthetic underlayment have different selector codes and unit prices. Synthetic underlayment costs more but is increasingly required by shingle manufacturers for warranty compliance. When writing an estimate, always specify the correct underlayment type and include it as its own line item rather than assuming it is bundled with the shingle installation.
Felt vs. Synthetic Underlayment
Traditional felt paper has been used for decades but absorbs moisture and can wrinkle during installation. Synthetic underlayment is lighter, stronger, more slip-resistant, and does not absorb water. Many shingle manufacturers now require synthetic underlayment for their enhanced warranty coverage. For insurance claims, the estimate should reflect whichever type was originally installed or whichever type is required by the manufacturer for the replacement shingles being used.
Frequently asked questions
Yes. Most building codes require underlayment on all sloped roofs. The International Building Code and shingle manufacturers both mandate underlayment installation. The type required varies by climate zone and roof slope.
Yes. Underlayment is a separate line item from shingles in Xactimate, measured in squares or square feet. Felt paper and synthetic underlayment have different selector codes and different pricing.
Missing underlayment is a common reason for supplement requests. Since underlayment is required for code compliance and manufacturer warranty, it should always be included as a separate line item in any re-roof estimate.
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