When having your roof replaced, one of the key steps - and one of the most confusing for homeowners - undertaken by both the adjuster and Dallas roofing contractor is to prepare an estimate. Before an estimate can be written, a thorough inspection of the roof must be performed in order to determine the scope of work. There are also differences in the way the roofing contractor and adjuster will prepare their respective estimates.
The Difference Is?
Dallas-Fort Worth roofing professionals include a detailed list of all work that needs to be completed to bring a property back to pre-storm condition and up to code, whereas adjusters write their estimate based on current carrier guidelines and policy coverage.
Most adjuster estimates do not take into consideration code upgrades for items that do not meet current city/state adopted building codes. The estimate will then be calculated from all the items in the scope of work, the measurements and the cost to complete each item. A professional estimate should also include potential upgrades than could enhance the roof and value of the home for the homeowner to consider.
All measurements, slope, penetrations etc. used to prepare the estimate may be obtained from an Eagleview if one is available, or may be measured by hand. Regardless of the method used, it is still necessary to include photos of all elevations, all penetrations, flashings, etc. to document the storm damaged areas.
The roofing estimate can be either a detailed, itemized list of all work to be done or may be a summary estimate.
To Itemize or Not to Itemize…
If working with an insurance claim, an itemized estimate is preferred by the carrier in order to get your RCV released. This will aid in comparing the scope of work from both the insurance carrier and the roofing contractor. Any differences should be addressed. Differences may be items missed by the insurance carrier that need to be repaired or replaced and/or pricing differences. Pricing differences could simply be the result of market condition changes between the time a claim is filed and the work is being complete.
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Posted on 7/7/2015 at 1:26:00 AM