Roof Replacement & Insurance Claim Experts - Zilker Roofing

Understanding Your Summary of Damages

Claims Process
Austin Roof Insurance Claims

What Is a Summary of Damages?

When you file a storm damage claim, your insurer typically sends a document called a Summary of Damages. This may also be labeled as:

This is the insurance company’s report that outlines the components of your roof they’ve approved for repair or replacement, based on what the adjuster observed.

  • Scope of Loss
  • Carrier Estimate
  • Claim Summary
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What You’ll See in the Document

Every Summary of Damages includes:

A claim summary

The total replacement cost, your deductible, depreciation, and what they’re issuing now

Line-item breakdown

Materials, labor, measurements, and unit pricing

Sketches and photos

Diagrams, square footage, slope, and adjuster pics

RCV

Replacement Cost Value (what your roof is worth new)

ACV

Actual Cash Value (after depreciation)

Deductible

The amount you pay out of pocket

ecoverable Depreciation

What your insurer may pay you later, after work is completed and invoiced

These numbers establish the ceiling of what the insurer will pay — and what’s expected of you.

Claims Process

Why This Document Matters

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:

Code-required items (like drip edge, ice & water shield, or ventilation upgrades)

Real-world labor needs (tear-off, staging, extra steep charges)

paint

Small but necessary parts (starter shingles, ridge caps, pipe jacks)

At Zilker Roofing, we carefully review each scope and inspect your roof again to make sure nothing critical was missed.

How Zilker Roofing Uses Your Insurance Scope?

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.

  • We review the scope line-by-line
  • We reinspect the roof to verify what’s included — and what’s not
  • We build our own estimate (also called a scope of work) for your approval
  • We document any missing items for supplemental review by your insurer
  • We provide final invoices and photos to help release recoverable depreciation
Roof Replacement Cost Breakdown
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  • Testimonials

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Texas Insurance Notes to Keep in Mind

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

FAQs – Understanding Your Summary of Damages in Austin, TX

How long do roofs typically last?

Most roofs last between 20 to 30 years, depending on the material and level of maintenance.

 
What steps are involved in a comprehensive roof inspection?

A thorough inspection includes examining shingles, flashing, ventilation, gutters, and checking for leaks or structural damage.

 
What is the process for scheduling a roofing project with Zilker Roofing?

You can call us or fill out our online form to book a free consultation and roof inspection.

Do you Offer Warrantied Roofing Work?

Yes, all of our work is warrantied. We rebuild your roof to last. We use the best materials and installation, and we stand behind coming back to address any of your concerns. You can feel safe knowing we totally have your best interest in mind.