Hail Damage Insurance Roof Proposal Template
Engineered specifically for storm restoration roofing contractors. Aligns with insurance adjusters, itemizes supplement items, and protects against unlawful deductible rebate liabilities.
Complete Scope of Work
Copy or customize these verbatim specifications into your contractor proposal.
1. Storm Damage Assessment & Insurance Scope Alignment
Full inspection matching insurer statement of loss.
- Document collateral storm damage across test squares (dents, granule loss, exposed fiberglass matting, fractured underlayment).
- Reconcile contractor proposal line items with insurance adjuster's initial scope of loss (RCV and ACV).
- Identify missing code-required line items for formal supplement submission.
2. Tear-Off & Code-Required Upgrades
Removal of storm-impacted materials and code upgrades.
- Tear off storm-damaged shingle layers down to decking.
- Install code-mandated ice and water barrier per local building authority requirement.
- Replace damaged drip edge, valley metal, step flashing, and furnace/water heater vent caps.
3. Class 4 Impact-Resistant Shingle Installation
Installation of replacement roofing materials.
- Install architectural or UL 2218 Class 4 impact-resistant shingles.
- Fasten shingles with 6 hot-dipped galvanized nails per shingle.
- Install matching ridge vent and ridge cap shingles.
4. Insurance Billing, Deductible & Closeout
Final documentation, depreciation release, and warranty.
- Provide homeowner and insurance carrier with Certificate of Completion and final itemized invoice.
- Submit final photos and supplement documentation to carrier for release of recoverable depreciation.
- Contractor workmanship warranty and manufacturer system warranty provided upon final payment.
Standard Line-Item Material Allowances
Clear material specifications that protect against ambiguous scope arguments.
| Component / Assembly | Standard Specification | Unit / Allowance |
|---|---|---|
| Roof Tear-Off & Disposal | Remove damaged composition shingles and underlayment | Per Square |
| Architectural Laminate Shingles | UL 2218 Class 4 impact resistant or matching carrier RCV | Per Square |
| Ice & Water Shield Upgrade | Code-required leak barrier at eaves and valleys | Per Roll |
| Drip Edge Replacement | Code-mandated perimeter metal flashing | Linear Feet |
| Exhaust Vent Cap Replacement | Replace dented hail-damaged exhaust caps | Per Unit |
Scope-Gap Protections: 3 Clauses to Include
These contractual gotchas account for 85% of change-order arguments on hail damage insurance roof proposal templates.
The Risk: Offering to 'waive' or 'absorb' insurance deductibles is a criminal misdemeanor/felony in Texas, Florida, Colorado, and most storm states.
Protective Clause: Includes explicit state-compliant disclosure that the homeowner is legally required to pay their insurance deductible directly to the contractor.
The Risk: Contractor installs code upgrades that the insurer has not yet approved in writing.
Protective Clause: Specifies that work proceeding prior to insurer supplement approval will be verified with the homeowner as a contingency.
The Risk: Adjuster notes roof only, ignoring dented soft metals, window wraps, and gutters.
Protective Clause: Itemizes detached collateral trades separately to enable clean supplement filings.
Governing Building Codes & Standards
Frequently Asked Questions
What is the difference between RCV and ACV in an insurance roof claim?▾
ACV (Actual Cash Value) is the depreciated payout the insurer pays immediately. RCV (Replacement Cost Value) is the total claim value; the difference (recoverable depreciation) is released after the contractor submits a Certificate of Completion showing the work was finished.
Can this proposal be submitted directly to insurance adjusters?▾
Yes. The line items, terminology, and code citations are structured to match Xactimate estimate standards, accelerating supplement approvals and claim payouts.
Related Roofing Proposal Scopes
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