Guide to Supplementing State-Specific Roofing Codes
When it comes to roofing and supplementing, one size doesn’t fit all. Different states and municipalities have unique building codes and regulations that can significantly impact how roofing supplements are filed and approved. Contractors who understand these state- and municipal-specific roofing codes are better equipped to ensure compliance, avoid delays, and maximize their claims. In this guide, we’ll break down the importance of understanding local codes, common state regulations, and how to stay compliant.
Introduction to State-Specific Roofing Codes
Roofing and supplementing codes vary widely across the country, and contractors must be aware of local regulations before starting any project. These state and municipal roofing codes are designed to ensure safety, durability, and proper installation practices, but they can also affect the way roofing supplements are handled.
Why State-Specific Codes Matter
Adhering to state and municipal-specific codes is crucial because non-compliance can lead to denied claims, delayed payments, and even legal issues. Roofing supplements, in particular, must reflect compliance with all applicable codes. For instance, if a state’s code requires specific wind-resistance ratings for roofing materials in high-wind zones, omitting this in your supplement estimate could result in an underpaid claim.
How Codes Differ from State to State
Different states have varying requirements depending on factors like climate, geographic location, and risk of natural disasters. For example, roofing materials in Maryland may need to meet specific wind and rain requirements, while Virginia roofing codes might prioritize different standards for energy efficiency or insulation.
Common State-Specific Codes that Affect Roofing Supplements
Here are some of the most common state roofing standards that contractors should be aware of when preparing roofing estimates and filing supplements:
1. Wind Zone Requirements
In states with frequent storms or tornadoes, such as Oklahoma or North Carolina, roofing materials must meet stringent wind-resistance standards. For example, the Oklahoma Uniform Building Code requires roofing materials to withstand wind speeds of up to 115 mph in some regions. Similarly, North Carolina’s Building Code mandates wind-resistant materials in coastal areas to combat frequent storms, with specific requirements for roof coverings based on wind speed zones.
2. Roofing Materials and Building Codes
Building codes vary from state to state, and they dictate which roofing materials are acceptable. For instance, in Florida, roofing materials must meet high standards due to frequent hurricanes, while states like Pennsylvania may have strict requirements for snow load resistance due to heavy snowfall in the winter months.
3. State-Specific Insurance Regulations
Some states, like New York, have specific insurance regulations that dictate how roofing supplements must be filed. Understanding how insurance companies operate within state guidelines will help ensure that your supplement claims comply with local expectations and are processed more efficiently.
If you're new to roofing supplements, check out our article on How to Get Started with Supplementing for helpful strategies.
The Importance of Supplementing for Changing Code Requirements
One of the biggest challenges roofing contractors face is staying up-to-date with constantly changing building codes. As states adopt new safety standards or respond to emerging threats like stronger storms, wildfires, or environmental regulations, roofing code requirements often evolve.
This is where supplementing becomes critical. Often, the original roofing estimate does not account for recent advancements in local or state codes. Without supplementing, contractors may end up underestimating the cost of complying with updated regulations, which can lead to out-of-pocket expenses or delays in completing the project.
Why Code Changes Affect Roofing Supplements
Many states update their building codes on a regular basis to reflect advancements in technology, materials, and safety standards. For example, updates to the International Residential Code (IRC) may require more robust wind-resistance standards for roofing materials, or new energy efficiency requirements might be introduced for insulation in certain climates. If these changes are not reflected in the original estimate, contractors need to file a supplement to adjust the scope of the work and the total cost.
How to Stay Ahead of Code Changes
To avoid running into issues, roofing contractors should:
Stay informed on local code updates: Regularly check state and local government websites for changes to building codes that affect roofing.
Review recent projects for code compliance: Even if the estimate was completed recently, ensure that it aligns with the latest code updates. If not, file a supplement to cover the difference.
Communicate code updates to clients and adjusters: Explain to clients and insurance adjusters why code changes are necessary and how they impact the overall cost of the project.
Pro Tip: Filing supplements for changing codes not only ensures compliance but also protects your profit margins by covering unexpected material or labor costs associated with new regulations.
How to Stay Compliant with Local Roofing Laws
Staying on top of state and local regulations can be a daunting task, especially when codes change periodically. However, compliance is key to avoiding costly delays and ensuring that your roofing supplements are approved.
Tips for Researching Local Codes
The best way to stay compliant is by regularly reviewing state-specific roofing codes. State websites often provide updates on any changes to building codes or roofing standards. Bookmarking key resources and checking them before starting a project can save time and ensure your estimates are up to code.
Check state websites: Each state provides access to the latest building codes, such as the IRC roofing codes and state-specific variations.
Join contractor associations: These often provide resources and training on state compliance.
Connect with local code enforcement: Local code enforcement agents can provide written proof of the code in that specific county/township. This is the most foolproof way to secure the justification you need.
Here at OneScope, we stay up to date on code upgrades and commonly missed code items across our entire service area. Partner with us to ensure your supplements are always up-to-date.
Links to Current Codes
Check out the list below to see the recent code upgrades in some of the states we work in most.
Links to state roofing codes:
Pro Tip: Ensure your estimating software is updated to automatically factor in state-specific code requirements for accurate supplements.
How to File Supplements that Comply with State Codes
Filing roofing supplements that adhere to state roofing standards is not just about following the rules; it’s about making sure your claims are fully compensated and processed efficiently.
1. Include Code Requirements in Your Estimates
One of the easiest ways to ensure compliance is by clearly documenting all code-mandated materials and labor in your estimates. Be specific about the state regulations that apply and ensure these are reflected in your roofing supplement.
2. Handling State-Level Inspections and Approvals
Certain states may require inspections or approvals to ensure compliance with local roofing codes. Preparing your documentation for state inspections and demonstrating that your project follows state laws will improve your chances of passing inspections and getting approvals faster.
Get Started with OneScope
Learn more about how our supplementing services can make a difference for your business.
Final Thoughts
Understanding and complying with state-specific roofing codes is critical for ensuring your roofing supplement claims are accurate, fully compensated, and quickly processed. By staying informed about local regulations, using the right tools, and carefully documenting code requirements—especially in light of changing standards—you can protect your business from delays, disputes, and unnecessary costs.
