Scope of Loss

What Is Scope of Loss?

The scope of loss is the line-item inventory of everything the storm damaged and every task required to restore it: squares of shingles by slope, underlayment, drip edge, flashing, vents, decking allowance, tear-off and disposal, and related trades such as gutters, window screens, and painting where the storm reached them. It is the document the entire settlement is computed from — pricing, overhead and profit, depreciation, and the deductible are all applied to the scope — which is why most roof claim disputes are really scope disputes: a missing line item costs the full value of that item, while a pricing disagreement usually moves a line by a small percentage. The carrier's adjuster writes a scope; the contractor writes one from its own inspection; comparing them line by line is how gaps like code-required items, hidden decking, or steep/high charges surface. Supplements exist precisely to add scope items discovered or omitted after the initial estimate.

Important Distinction

Note: The scope of loss lists what is damaged and what work is required; it is not the settlement check amount — pricing, depreciation, and deductible are applied to the scope afterward.

Also Known As

These are the search terms and phrases that commonly refer to this topic, so you can find it however you describe it.