In short
A construction estimate describes proposed work, quantities and prices. TRG explains its estimate’s assumptions but does not determine what an insurer owes.
Key facts
- Compare measurements, materials, quantities and construction methods—not just totals.
- Overhead and profit reflect project-specific construction costs.
- There is no universal three-trades rule establishing insurance payment.
Definitions and role boundaries
- 1
Construction estimate
An itemized proposed work scope and price.
- 2
Overhead and profit
Project-specific construction costs and margin, not an automatic coverage entitlement.
- 3
Technical discussion
TRG can explain its estimate to an adjuster without interpreting coverage or negotiating a settlement.
Frequently asked questions
What does Texas Roof Guardians provide?+
Texas Roof Guardians provides roofing inspections, construction estimates and project documentation—not public-adjusting or legal services. For coverage or claim questions, contact your insurer, a licensed public adjuster or an attorney.
Does this guide determine coverage or recommend a claim strategy?+
No. These are general definitions, not individualized coverage advice, claim representation or a promise of insurance payment.
Educational only. Texas Roof Guardians provides roofing inspections, construction estimates and project documentation—not public-adjusting or legal services. For coverage or claim questions, contact your insurer, a licensed public adjuster or an attorney.