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State Farm Roof Estimate Missed Items: Audit and Convert the Scope

ESXPress is an independent tool that reads a State Farm roof scope, as a PDF or as a scope XML export, and rebuilds it as an import ready Xactimate ESX file in about two minutes. There is no measured, published list of what a specific carrier leaves off a roof estimate, so this page gives you the audit method rather than a claim we cannot evidence.

Last updated: October 11, 2026

If your State Farm roof estimate came in lower than the job, the gap is almost never the total. It is the scope behind it. This page shows how to audit that scope line by line and convert the State Farm PDF into an import ready Xactimate ESX you can compare against your own estimate.

Does State Farm omit items from a roof estimate?

We do not publish a State Farm specific omission list, because we have not measured one, and neither has anyone who has shown their data. A per-carrier omission list is a claim about one insurer's estimating practice, and it should stand on measurement rather than on a template. When we hold carrier level data good enough to publish, this page will carry it and say where it came from.

Other pages answer this query with a list of items they say the carrier always leaves off. We will not, because we have not measured that list and a made up one would be worse than none.

What follows is the honest version. We show you what we actually measure, name the eight buckets that recur on first pass scopes generally, and give you a method that works on whatever your particular document says. When we have carrier level data good enough to publish, this page will carry it, and it will say where it came from.

What does the measurement actually say?

Across 289 real claim files and 7,525 line items, 36.6 percent of lines carried a code the converter recognizes, and the median file moved 17 percent of its lines when repriced on import. That is a statement about first pass scopes in general, not about State Farm, and it is why line level gaps are treated as the norm rather than the exception here.

The full study, its methodology, and its limits are published at The State of Insurance Scope Quality (2026). It reports aggregates only, and it does not break the numbers down by carrier. That limitation is the reason this page does not either.

What should you check on any first pass roof scope?

When a roof scope comes up short, the missing lines cluster in the same eight places. Each one is a code requirement, a manufacturer instruction, a measurement, or plain arithmetic, which is why each can be documented rather than argued. Check them against the document in front of you, not against a carrier.

1. Code upgrades

The scope is written like for like and skips what the adopted code requires. Ice and water shield where the climate zone triggers it (IRC R905.1.2, or R905.2.7.1 in the 2018 editions many states still use), drip edge at the eaves and the rakes (IRC R905.2.8.5), and flashing at walls and chimneys (IRC R905.2.8.3) are the ones that come up most.

2. Accessories and edge metal

Starter course, ridge cap, hip and ridge, pipe boots, step flashing, and counterflashing are separate lines with their own quantities. On a fast scope they dissolve into the field shingle quantity and stop being counted at all.

3. Detach and reset

Solar arrays, satellite dishes, antennas, vents, and gutters come off before a tear off and have to go back on. None of it is visible from an aerial scope, and a solar array also brings in the electrician trade.

4. Waste and disposal

A tear off produces debris, so the dumpster, the haul, and the disposal fee are their own lines. Where a scope pays the tear off but not the disposal, the job carries a cost the estimate never showed.

5. Overhead and profit

On a loss that involves three or more trades, general overhead and profit is its own line. It is stripped by default, so the supplement has to make the trade count explicit, with the sub invoices and the trade list behind it.

6. Labor multipliers

The labor setting behind the estimate sets the rate on every labor line at once. A scope written on a rebuild or large restoration setting and then applied to an occupied home repair quietly undervalues the whole job.

7. Permits and fees

Where the jurisdiction requires a permit for the work, the permit and its fee belong on the estimate. They are easy to leave off because the carrier never sees the counter receipt until you attach it.

8. Decking and hidden conditions

Decking is only visible once the roof is open, which makes it the classic post tear off supplement. Deteriorated sheathing, step flashing at walls, and dormer sections are the same story: documented after the fact, with photos.

How do you audit a State Farm scope line by line?

Get both documents onto the same structure, then read the scope as an assembly rather than a total. Convert the State Farm scope PDF into an Xactimate ESX file, put it beside your own estimate in the same Xactimate, and work the five steps below, each of which names what to reconcile and the evidence a desk reviewer can check.

  • Read the scope as an assembly rather than a total: tear off, underlayment, edge metal, field, flashing, ventilation, accessories, disposal. The total says what State Farm agreed to pay. The list says what it thinks the job is.
  • Reconcile the quantities against your own measurement: squares, ridge length, rake and eave linear feet, penetration counts, intake and exhaust ventilation. Quantity misses cost the same as a missing line and are quieter about it.
  • Resolve the property to its adopted code edition and climate zone, then mark every item the current code requires that the scope skipped. A code requirement is the strongest supplement argument there is, because it does not depend on judgment. On a cold-climate file the clearest example is the ice barrier, and the freeze and ice dam claim works that requirement in depth.
  • Add the condition driven items you found on the roof. Decking, step flashing, dormers, and hidden damage are documented once the roof is open, with photos and scale.
  • Package it so a desk can approve it in one pass: one line at a time, with the Xactimate code, the quantity, and the citation next to each item.

How do you convert a State Farm scope PDF to Xactimate?

The audit is only fast if both estimates share one structure. Most State Farm scopes reach the contractor as a PDF or a portal printout, which is easy to read and slow to compare. ESXPress reads that scope of loss and rebuilds it as an import ready Xactimate ESX file in about two minutes, against the three to six hours it takes to retype the same lines by hand.

Line items come back mapped to Xactimate SEL codes with the price the carrier printed kept on every line, folders and trades restored, and notes carried through. Anything that cannot be verified is flagged for review instead of guessed. On a dashboard conversion, the review view runs a 93-rule completeness check and cites the requirement behind every flag, so you can see what the scope did not carry before you import it. The check does not change the estimate and does not invent lines. The public structured API leg converts the same way but does not run the audit, so name the leg you are on when you plan around it. The completeness audit never runs automatically.

Related

Questions contractors ask about a State Farm roof scope

Does State Farm omit items from a roof estimate?

There is no measured, published list of what State Farm or any single carrier leaves off a first pass roof estimate, so we do not assert one. Gaps on first pass scopes generally cluster in the same eight categories named on this page. Whether a specific item is missing on your scope is something you confirm against the document itself, not against a list.

How do I convert a State Farm scope PDF to Xactimate?

Upload the State Farm scope PDF to ESXPress. The converter reads the scope of loss, rebuilds it as an import ready Xactimate ESX file, keeps the price printed on every line, and flags anything it cannot verify for review rather than guessing it. You then import the file into your own licensed copy of Xactimate and compare it against your estimate line by line.

Is ESXPress affiliated with State Farm?

No. ESXPress is independent and not affiliated with, endorsed by, or sponsored by State Farm or any carrier. Xactimate is a registered trademark of Verisk. ESXPress converts a carrier scope PDF into an import ready Xactimate ESX file for your review.

Is a State Farm roof estimate the final number?

It is the opening scope, not a verdict. An estimate is written fast from a template off a measurement that may have been rounded, and anything it left off was never held back in the first place. That is the ordinary case on any carrier file, and it is why a supplement is a normal step rather than a dispute.

How do I compare a State Farm estimate against my own?

Get both documents onto the same structure first. Convert the State Farm scope PDF into an Xactimate ESX file, open it next to your own estimate in the same Xactimate, and read the two line by line. The comparison stops being an eyeball exercise and becomes a diff, and the lines you add to a supplement come straight out of it.

Does ESXPress publish Xactimate prices?

No. Prices vary by price list, region, and month, and they are resolved inside Xactimate when the estimate is repriced on import. ESXPress keeps the price the carrier printed on each line and never publishes Xactimate price list data.

Xactimate is a registered trademark of Verisk Analytics, Inc. ESXPress is an independent tool and is not affiliated with, endorsed by, or sponsored by Verisk, Xactware, State Farm, or any carrier. IRC section numbers are cited for identification; confirm the edition your jurisdiction has adopted. ESXPress does not publish Xactimate price list data and never types a catalog code count; the reference spans thousands of SEL codes. This page states no carrier specific omission finding, because the data to support one is not published.