Understanding your roofing paperwork
The Summary of Damages is your insurer’s line-item estimate. Use it to check the listed work, quantities, replacement costs, and Actual Cash Value (ACV) figures against your roofing documents.
A Summary of Damages or Scope of Loss is the insurer’s itemized estimate of the repairs it considered. It may list materials, labor, quantities, and amounts, but formats and line items vary. The estimate alone does not determine your payment: policy coverage, limits, deductible, depreciation, and the insurer’s decision also matter. We can compare the roofing quantities and work listed with our own observations and estimate.
A roof replacement Summary of Damages typically includes: Shingles — the primary surface material, measured in squares (1 square = 100 sq ft). Underlayment — the moisture barrier beneath the shingles, required by code. Ice and water shield — a self-adhering membrane applied at eaves, valleys, and penetrations; required in Texas for certain roof slopes. Drip edge — metal flashing along the roof perimeter that directs water away from the fascia. Decking (OSB or plywood) — the structural substrate; replaced when rotted or damaged. Ridge cap — the shingles covering the peak. Flashing — metal around chimneys, vents, and skylights. Each line item has a quantity and a unit price. If your contractor measures more squares than the adjuster estimated, or finds decking damage not in the scope, those items become a supplement.
The timing and format of an insurer’s estimate vary. After you receive it, we can compare the listed roofing work and quantities with our inspection measurements and provide documentation of differences to you. You decide whether to share that information or ask your insurer to review it; the insurer decides coverage and payment. If your replacement-cost policy includes recoverable depreciation, ask the insurer what completion, invoice, and submission deadlines apply.
Zilker Roofing provides insurance-grade inspections, insurance-grade estimates, and insurance-grade repairs and replacements — documentation and workmanship built to the standard insurers and adjusters work from. We photograph every finding, measure every surface, and produce a line-item estimate you can put directly in front of your insurance company. When our scope differs from the adjuster's Summary of Damages, we document the discrepancies clearly so you know exactly what to discuss with your insurer. What we do not do: we do not contact your insurance company on your behalf, we do not negotiate your settlement, and we do not use Assignment of Benefits contracts. We give you the documentation — you control the claim.
What you can expect
We document storm and hail damage with photos, measurements, and a detailed estimate you own. You and your insurer file and settle the claim — we provide documentation and support only.
Read the supporting details ↗Zilker Roofing is not a licensed public adjuster. We do not file insurance claims on your behalf, negotiate with your insurance carrier, or speak to your insurer without your involvement. We provide documentation and support only.
Read the supporting details ↗Zilker Roofing does not use Assignment of Benefits contracts. The homeowner remains the policyholder in control of their claim at all times. We never ask customers to sign over their insurance rights to us.
Read the supporting details ↗Your roofing documents
Have your insurer’s Summary of Damages and any contractor estimate ready. We can compare the listed roofing work and quantities with our inspection findings and our own estimate.
You decide what to share with your insurer. The insurer decides coverage and payment.
Start with the roof items you want to understand.
Before you decide
A Summary of Damages or Scope of Loss is the insurer’s itemized estimate of work it considered after inspection. It is not the policy or a guarantee of coverage or payment.
It gives you an estimate to compare with the roof conditions and work observed. We can identify differences in quantities or listed work and give documentation to you; your insurer decides whether coverage or payment changes.
Yes — we can explain what the numbers and terms on your Summary of Damages mean so you can read it yourself, and we can show you every item present in our own independent estimate. We are not licensed adjusters: we do not interpret your policy language or negotiate coverage decisions.
If additional roof conditions are found, we can document them with photos, measurements, and an estimate for you. You decide whether to ask your insurer to review the information; the insurer decides whether to revise coverage or payment.
The insurer’s estimate is not necessarily your final project price. Compare the listed work with the roof condition and your contractor’s written estimate. What the policy covers and pays depends on its terms, limits, deductible, and the insurer’s decision.