Insurance Claim Explainer for Roofing Customers
Turns the adjuster's estimate, the insurance letter, and your own roof estimate into a clear message that tells the homeowner what insurance approved, what it did not, how the two numbers compare, and what happens next.
Before and after
Hi Lucille,
This is Logan Decker from Fernfield Roofing. Here is a plain-English look at your hail claim for 5999 Eaglefield Rd, so you know what insurance approved, what you pay, and what comes next.
What insurance approved
- Tear off and replace architectural shingles, 28 squares: $9,800
- Synthetic underlayment: $1,120
- Ridge cap: $640
- Drip edge: $510
- 3 pipe jacks: $270
- Total approved: $12,340
What you pay and what insurance pays
- Total approved: $12,340
- Your deductible: $2,500
- Depreciation held back: $1,850
- Insurance pays now: $12,340 - $2,500 - $1,850 = $7,990
- The $1,850 held back is paid after the work is done and you send the final invoice.
Why this is lower than our estimate
Our estimate was $13,180. The insurance estimate was $12,340, so the difference is $840. That difference is two items we found that the adjuster did not include: $380 for decking and $460 for flashing, which adds up to $840.
Safety concern, recommended now
- Replace the leaking step flashing at the back dormer ($460). It is leaking into the home, and there is a water stain on your back bedroom ceiling right under it.
Recommended now
- Replace 2 rotted decking sheets by the back dormer ($380). We found the rot during our inspection.
Not in the insurance estimate
- The decking and flashing above. We will send photos and a supplement request to the adjuster. A supplement is a request to add items the first estimate missed. The insurance company decides whether to approve it, and we cannot promise the result.
- Gutter cleanup is not included in the insurance estimate or in ours. We can talk about it if you want it handled.
Terms
- Deductible: the part of the claim you pay before insurance pays.
- Depreciation: an amount insurance holds back based on the age of the roof, paid after the work is finished and you send the final invoice.
- Supplement: a request to the insurance company to add items missed in the first estimate.
Next steps
- We send the photos and supplement request to the adjuster.
- The insurance company decides on the supplement. Questions about coverage go to your adjuster or your policy.
- You tell us how you want to handle the decking and flashing, and we record your decision.
Logan Decker
Fernfield Roofing
Questions for the owner
- What is the claim number to put on the message?
- Is there a deadline in the insurance letter for the supplement or for finishing the work?
- Do you want to offer a price for the gutter cleanup?
- What phone number should Lucille use to reach you with questions?
What it does
Turns the adjuster's estimate, the insurance letter, and your own roof estimate into a clear message that tells the homeowner what insurance approved, what it did not, how the two numbers compare, and what happens next. It explains what the paperwork says. It does not decide coverage.
Use it when: Use when a roofing company needs to explain an insurance claim to a homeowner in plain English, such as: explain this claim to the homeowner, what does this adjuster estimate mean, why did insurance pay less than our estimate, or write up the claim next steps.