What is in a roof damage insurance claim estimate?
Short answer. A roof damage insurance claim estimate lists every repair or replacement item the adjuster approved, with quantities, unit prices, depreciation, and totals, followed by a summary showing replacement cost, actual cash value, your deductible, and the net payment. Most insurers build it in estimating software using local price lists.
The sections, front to back
- Cover page: claim number, date of loss, cause of loss, adjuster, and the price list used.
- Roof diagram or measurements: squares, pitch, and ridge, hip, valley, eave, and rake lengths.
- Line items by area: the roof, then gutters, exterior elevations, and interior rooms.
- Columns: quantity, unit price, tax, overhead and profit if included, replacement cost, depreciation, and actual cash value.
- Summary by coverage: dwelling, other structures, and contents.
- Recap: replacement cost, depreciation, deductible, prior payments, and net claim.
Codes worth understanding
Line items often read like R&R laminated comp shingle roofing with felt, where R&R means remove and replace, or detach and reset for items taken off and reinstalled. Many estimates mark recoverable and non-recoverable depreciation with different brackets, so check the legend on yours to see which is which.
What to check first
- The roof measurements match your roofer's.
- The scope is right: full replacement versus repair.
- Nothing obvious is missing: drip edge, starter, ridge, pipe boots, vents, step and counter flashing, and steep or high charges.
If something is missing, ask for it to be added with photos and measurements rather than disputing the total.
Related: Xactimate roof estimates, roof supplements, and what roof adjusters look for.