AIG is one of the largest property and casualty insurers in the United States, and its roofing claims are typically written in the Xactimate estimating platform — the same format used by most major US carriers. If you have read one Xactimate scope, the layout will look familiar. But the AIG-specific details — where O&P and tax appear, how RCV and ACV are shown, and what the summary page tells you — are worth walking through specifically.
The AIG scope layout
An AIG roofing scope has three main sections: a header (claim number, insured name, property address, date of loss, adjuster), the line-item body (the estimate grid), and the summary page. The body is where the roofing work lives; the summary is where the money math happens.
Reading the line-item grid
Each row in the body represents one item in the scope. Reading left to right, a typical AIG Xactimate line shows:
- Code — the Xactimate category/selector (e.g., RFG SQ for roofing by the square)
- Description — plain-English name of the work
- Quantity — how much (squares, linear feet, each)
- Unit price — current month's Xactimate price for that item and region
- Tax — sales tax on materials where applicable
- RCV — full replacement cost of this line today
- Depreciation — value withheld for age and wear
- ACV — RCV minus depreciation, typically paid first
Where O&P appears in an AIG scope
Overhead and profit does not appear as a line item in the body of the estimate. It is on the summary page, as two separate percentage-based additions to the subtotal: one line for overhead (typically 10%) and one for profit (typically 10%). If these lines are missing from the summary, O&P was not applied — and on a complex multi-trade claim, that is a supplement.
The summary page also shows the gross claim total (with O&P and tax), the deductible, any non-recoverable depreciation, withheld recoverable depreciation, and the net payment amount. Read these numbers top to bottom to confirm the math is right before you accept the payment.
How RCV, ACV, and depreciation show up on the claim
AIG typically issues an initial payment at ACV — the replacement cost minus depreciation — with recoverable depreciation withheld until the work is complete. Once you invoice and document the completed work, the withheld depreciation is released as a second payment. Make sure you request that second payment; it does not always come automatically.
How to verify nothing is missing
The most reliable way to audit an AIG scope is to get it into a spreadsheet. When the line items are in a sortable table, you can:
- Check whether O&P is on the summary (and at what rate)
- Sort by category to see if any trade groups are thin or missing
- Compare quantities against your own takeoff measurements
- Verify the math on each line (quantity × unit price vs stated RCV)
- Confirm the summary totals reconcile with the line-item sum
GetToRoofing validates AIG Xactimate scopes — meaning the conversion has been tested and confirmed against real AIG scope formats. Every line comes across with math-checking, so errors in the PDF are flagged before you use the data.