Define the work the roof needs
A construction assessment records the observed roof conditions and the basis for repair or replacement. The estimate should identify affected roof areas, materials, flashing, removal and disposal, along with any deck or other concealed-condition assumptions.
Photographs and a clear scope make it easier to understand the recommended work. An estimate is a description and price for construction, not a determination that the policy covers every listed item.
Reconcile the estimates before permanent work
The contractor proposal and insurer estimate may describe different quantities, components or assumptions. Compare those differences so the owner understands the planned work and can direct questions to the responsible party.
Keep necessary repairs, elective upgrades and unresolved conditions separately identified. The owner should understand construction authorizations and payment responsibilities before approving the permanent scope.
Keep changes and claim questions documented
If additional damage is exposed, document the condition and the proposed construction change before it is covered. Retain the approved scope, photographs, invoices and completion records.
Direct policy interpretation, deductible and claim-representation questions to the insurer or an appropriately licensed professional. No claim settlement, coverage result or payment is promised by the construction proposal.
What to compare in a written proposal
- Documented roof conditions
- Detailed construction estimate
- Differences and unknown conditions
- Owner approval and change process
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