What Is a Summary of Damages?
A Summary of Damages (also called a scope of loss or scope of damages) is the insurance company's documented estimate of the approved repair or replacement scope, including line items, material allowances, overhead and profit, and depreciation breakdowns. It is the carrier's document, not the contractor's proposal — a roofing contractor prepares its own separate estimate that may align with, supplement, or differ from the carrier's scope. Reading and acting on the Summary of Damages is between the homeowner and their insurer or adjuster.
Important Distinction
Note: This is a claim document, not a roofing service and not legal advice.
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.
How Summary of Damages Relates to Other Topics
A summary of damages is the carrier's estimate — not Zilker Roofing's proposal. Zilker prepares a separate roofing estimate that may or may not align with the carrier's scope.
A summary of damages helps homeowners understand what the carrier has estimated in the claim process — including line items, deductible, depreciation, and approved scope.
The carrier’s summary of damages defines the approved scope that an insurance restoration aligns the roofing work to.
Related To Summary of Damages
The carrier's Summary of Damages defines the approved scope an insurance-covered replacement is built around.
When a roof replacement involves an insurance claim, the carrier's summary of damages is typically reviewed to align the roofing estimate with the approved scope.
A Summary of Damages is typically generated in Xactimate, the carrier estimating platform.
A supplement request references and builds on the original Summary of Damages, adding line items the adjuster did not include in the initial approved scope.
Questions about Summary of Damages?
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