Roofing documentation and insurance terminology.
General explanations that do not evaluate your policy, recommend a claim strategy or predict coverage or payment.
Roof Insurance Terminology
A claim is a request by an insured for a coverage decision and any payment under an insurance policy. A roofing estimate describes construction work; it is not a coverage decision.
Read guideClaim Denial Definitions
A denial is an insurer’s decision not to cover all or part of a submitted claim. TRG does not evaluate the validity of a denial, prepare an appeal or pursue reversal.
Read guideAdditional Construction Estimates
A supplemental construction estimate records additional or revised work. Preparing it does not establish insurance coverage or entitlement to payment. TRG does not pursue additional insurance proceeds or negotiate a settlement.
Read guideReinspection Definitions
An insurer’s reinspection is separate from a construction-focused roof inspection. TRG can provide photographs, measurements and an estimate; it does not request or pursue an insurance reinspection or promise a different outcome.
Read guideAppraisal Definitions
Some policies contain an appraisal provision. Its availability, procedure and legal effect depend on the policy and circumstances. TRG does not invoke appraisal for customers or represent them in that process.
Read guideStorm Documentation
Roof-condition records document observations. Weather reports provide context but do not establish when damage occurred at a specific property, determine coverage or guarantee payment.
Read guideHail Condition Documentation
A hailstorm’s occurrence does not establish damage or insurance coverage. A roof inspection documents observed conditions; the insurer evaluates any claim under the policy.
Read guideWind Condition Documentation
Wind events may affect roofing materials, flashings and attachments. Weather data alone does not establish roof damage, causation or insurance coverage.
Read guideConstruction Estimate Comparisons
A construction estimate describes proposed work, quantities and prices. TRG explains its estimate’s assumptions but does not determine what an insurer owes.
Read guideACV, RCV & Depreciation
ACV, RCV and depreciation are insurance valuation terms whose application varies by policy. A construction estimate is not a coverage determination. TRG does not calculate policy entitlement or pursue depreciation payments.
Read guideInspection Before Claim Decisions
A roof inspection documents observed conditions and estimated construction cost. It does not determine whether to file a claim, whether damage is covered or how filing may affect a policy.
Read guideAfter-Storm Roof Documentation
After a storm, roof-condition documentation and construction planning remain separate from insurance decisions. Stay clear of unsafe areas and have active leaks assessed by an appropriate professional.
Read guideNeed a real inspection? Free roof documentation report.
We inspect, photograph observed conditions, and prepare construction estimates. We do not act as your public adjuster, file claims, or negotiate settlements.
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