Is drip edge covered on a roof insurance claim?

In most cases, yes. The International Residential Code requires drip edge at the eaves and rakes of asphalt shingle roofs, and most existing drip edge is damaged or bent during tear-off. When a carrier estimate replaces the shingles but has no drip edge line, it is one of the most common supplement items.

Why it gets left off

  • —The original roof never had drip edge, so the adjuster treats it as an upgrade rather than code.
  • —The estimate is written from a template that leaves metal edge to be added later.
  • —The adjuster scopes only the eaves and leaves the rakes off.

The code or standard

IRC R905.2.8.5: drip edge shall be provided at eaves and rake edges of shingle roofs.

How to measure it

Eaves LF plus rakes LF from the measurement report (EagleView, Hover, Roofr, GAF QuickMeasure). Most carriers price it in linear feet.

Typical value on a 30-square roof

260 LF of eaves and rakes × $3.40/LF ≈ $884

National ballpark price. On a real claim ClaimGap uses the unit price from the carrier's own estimate.

What to put in the supplement

  1. The eave and rake lengths from the measurement report, shown on the page.
  2. The code section (IRC R905.2.8.5) and, if your jurisdiction adopted a local amendment, that too.
  3. A photo of the edge showing missing, rusted or bent metal, or showing no drip edge at all.

Questions

What if the old roof never had drip edge?
Code applies to the new installation, not the old one. When the roof is replaced, the new roof has to meet the code in effect, so the line belongs on the estimate. Many policies include ordinance or law coverage for this; check the policy's limits.
Is drip edge priced per foot?
Yes. In Xactimate it is a linear-foot line. ClaimGap uses the carrier's own unit price when the estimate already has a drip edge line, and a market default it flags for you otherwise.

This guide is general information for roofing contractors documenting their scope of work. It is not legal advice. Code adoption varies by jurisdiction, and some states restrict contractors from negotiating claims on a homeowner's behalf.

Run your first claim free.

Upload a carrier estimate you already have, even one from a claim you closed. If ClaimGap finds nothing, you paid nothing.