A summary of damages — also called the scope of loss — is your insurance adjuster’s line-by-line list of every roof item they approved for repair or replacement, with the dollar amount your carrier will pay. It is the adjuster’s estimate of your claim — not the final price, and not always the full scope your roof actually needs. (A “scope of work” is different: that’s the contractor’s plan for the actual repairs.) The smartest move is to compare your summary of damages against an independent, detailed estimate of everything documented on your roof — because automated adjuster scopes often miss code-required items.
We are not a public adjuster — we do not file or negotiate your claim, and we never speak to your insurer without you. We document the damage and give you an independent estimate you own; you stay the policyholder in control. We never use Assignment of Benefits (AOB) and never ask you to sign over your insurance rights. And no licensed roofing contractor in Texas can legally waive, cover, or absorb your deductible — if one offers to, they are violating Texas insurance law. We also recommend repair when repair is right, and replacement only when the damage truly warrants it.
The document lists each approved line item (tear-off, underlayment, shingles, flashing, drip edge, ventilation), the quantities and unit prices (usually generated in Xactimate), and the claim math: Replacement Cost Value (RCV), Actual Cash Value (ACV), your deductible, and any recoverable depreciation held back until the work is done.
Your insurer’s “summary of damages” (or “scope of loss”) is what they agreed to pay for. A contractor’s “scope of work” is the plan for what will actually be done. They should match — but they often don’t, which is exactly why we compare them line by line before any work begins.
We prepare our own detailed, line-by-line estimate of everything we document on your roof — including code-required items (proper ventilation, drip edge, decking, fastening) that automated insurance software frequently omits — and we walk you through it next to the carrier’s scope so you can see any gaps yourself. When the original scope misses necessary work, those items can be submitted to your carrier as a supplement; we document the evidence, and you and your adjuster reconcile the difference.
Yes. Under Texas Insurance Code §707.002 (the 2019 anti-fraud law, HB 2102), you must pay your deductible toward a covered claim, and no roofing contractor in Texas may legally waive, rebate, or absorb it — if one offers to, they are breaking the law.
Many policies pay the Actual Cash Value (ACV) of your roof up front and hold back the depreciation, releasing it in a second check after the work is completed and documented. Under Texas Insurance Code §707.004, the insurer may withhold that recoverable depreciation until it receives reasonable proof your deductible was paid. Not all policies have recoverable depreciation; some are ACV-only. We provide the final invoices and project photos you need to request the release.
Call or text (512) 893-7663 — or request a free quote. We’ll review your summary of damages with you and tell you honestly what your roof needs.
Every Summary of Damages includes:
This scope is what your insurance company is agreeing to pay — and what your roofer will typically use to build the job file, provide a quote, and invoice your insurer.
However, these reports are generated automatically using pricing software (usually Xactimate). They often leave off:
At Zilker Roofing, we carefully review each scope and inspect your roof again to make sure nothing critical was missed.
We work alongside — not against — the insurance process. We’re not public adjusters. But we do provide expert support and clear documentation every step of the way.
Most Texas insurers are prohibited from raising your rate for a single weather-related claim (per state law)
Many policies include Ordinance & Law coverage — requiring them to fund code upgrades when replacing a roof
We include photos, IRC code references, and manufacturer documentation for any supplemental request
