Storm Damage Reroof — Insurance Claim

This proposal covers the repair of storm damage sustained at {{client_address}} on {{date_of_loss}} under {{insurance_carrier}} claim {{claim_number}}. Scope follows the adjuster's scope of loss prepared by {{adjuster_name}}.

Work included (per adjuster's scope):

• Full tear-off of damaged roof down to deck

• Inspection and replacement of damaged sheathing as itemized in adjuster scope

• Ice-and-water shield, synthetic underlayment, drip edge

• Step flashing, counter-flashing, pipe boots per scope

• Shingle replacement (match existing product and color where possible)

• Ridge vent or equivalent ventilation per scope

• Gutters, downspouts, fascia, soffit, screens, or other line items if included in adjuster scope

• All required permits and manufacturer warranty registration

• Dumpster delivery, debris haul-off, and magnetic nail sweep

Supplement items (if discovered):

• Conditions not visible during the adjuster's initial inspection — including code-upgrade requirements, rot hidden by shingles, or additional damage revealed during tear-off — are documented with photographs and submitted to {{insurance_carrier}} as a supplement. Work on supplemental items proceeds only upon supplement approval or homeowner written authorization.

Exclusions & limitations:

• Upgrades beyond like-kind-and-quality (LKQ) — e.g., impact-resistant shingle upgrade, new ridge vent on a previously unvented roof, color upgrade to a premium tier — are itemized as owner-elected upgrades and paid by {{client_name}} outside the insurance claim.

Estimated duration: 2–4 working days from start of tear-off to final cleanup. Start is contingent on ACV (first check) disbursement from {{insurance_carrier}}.

Claim workflow:

1. Insurance adjuster inspection (complete) — scope of loss received

2. {{contractor_name}} reviews scope for completeness; any missing items addressed with carrier

3. ACV check issued to {{client_name}}; work begins upon receipt of deposit equal to ACV

4. Tear-off and reroof (2–4 days)

5. Final invoice and certificate of completion submitted to carrier for depreciation (RCV) release

6. Depreciation check issued by carrier; balance due from {{client_name}}

Start date: {{start_date}}. Completion: {{completion_date}} (weather permitting).

**Insurance-approved RCV total: {{rcv_total}}** (replacement cost value)

**Insurance ACV payment (first check): {{acv_total}}** (actual cash value, after recoverable depreciation withheld)

Homeowner deductible: {{deductible_amount}}

{{client_name}} is responsible for:

• The deductible ({{deductible_amount}}) paid directly to {{contractor_name}}

• Any owner-elected upgrades beyond LKQ scope (itemized separately)

{{contractor_name}} is responsible for:

• Performing the work within the adjuster-approved scope at the approved RCV

• Submitting supplements for any missing or newly discovered items

• Providing certificate of completion to carrier for depreciation release

Payment schedule:

1. ACV check from {{insurance_carrier}} (minus deductible) delivered to {{contractor_name}} at project start

2. Deductible of {{deductible_amount}} paid by {{client_name}} at project start

3. Depreciation check (RCV minus ACV) from carrier delivered to {{contractor_name}} upon completion

Total out-of-pocket to {{client_name}}: deductible only (plus any optional upgrades).

ACV check and deductible due at project start before tear-off begins. Depreciation check due upon completion and submission of closeout documentation to carrier. {{contractor_name}} does NOT rebate, waive, or absorb the deductible — waiving a deductible in exchange for a roofing contract is insurance fraud under state law and is not permitted.

Invoices are due upon receipt. Payments more than ten (10) calendar days past due accrue a service charge of one and one-half percent (1.5%) per month on the unpaid balance, or the maximum rate permitted by law, whichever is less. {{contractor_name}} reserves the right to stop work and preserve lien rights if any progress payment is not received within five (5) business days of the due date. All retained mechanic's lien, stop notice, and bond rights under applicable state law are preserved.

The following items are specifically NOT included in the contract price and are the responsibility of {{client_name}} unless added by written Change Order:

• Permits, plan-review fees, and jurisdictional inspection fees unless explicitly itemized above

• Repair or remediation of pre-existing code violations discovered during the work

• Asbestos, lead paint, mold, or other hazardous material abatement

• Structural engineering, architectural drawings, or third-party design services

• Finish selections, fixtures, or appliances not listed in the itemized scope

• Work on concealed systems (electrical, plumbing, HVAC, framing) beyond the points of connection identified

• Landscaping restoration beyond returning disturbed areas to rough grade

• Post-completion cleaning beyond construction broom-clean

• Work outside the adjuster-approved scope of loss unless supplement is approved or homeowner authorizes in writing

• Upgrade from 3-tab to architectural, or from standard to impact-resistant, unless paid by homeowner outside insurance claim

• Repair of interior damage (drywall, insulation, paint) — typically covered by a separate interior claim or contractor

• Tree removal from roof or yard — coordinate with tree service

• Structural framing repair (joist, rafter, truss replacement) unless in adjuster scope

This proposal is based on the following assumptions. If any assumption is incorrect, the contract price and schedule are subject to adjustment by Change Order:

• Site access is available during normal working hours (7am–5pm, Monday–Saturday)

• Adequate parking is available within 100 feet of the work area

• Electrical power and potable water are available on-site at no cost to contractor

• Existing structural elements, waste lines, water supply, and electrical service are in serviceable condition unless noted

• {{client_name}} will remove personal property, artwork, and valuables from the work area prior to start

• Work is based on a single mobilization; re-mobilization required due to delays outside contractor's control will be billed at current rates

• {{client_name}} assigns rights under the policy only to the extent needed to receive payment directly; assignment of benefits (AOB) is NOT required

• {{client_name}} provides the adjuster's scope of loss and claim correspondence

• Ventilation and ice-and-water shield are upgraded to current code if in adjuster's scope; code upgrades not in scope are submitted as a supplement

Any modification to the scope, specifications, materials, or schedule set forth in this agreement must be authorized in writing as a Change Order signed by both parties before the work is performed. Each Change Order will describe the modified scope, any adjustment to the contract price, and any impact on the schedule. Verbal instructions do not modify this agreement. Additional time and cost associated with unforeseen conditions — including but not limited to concealed rot, asbestos, mold, faulty prior installation, unmarked utilities, or code-required upgrades triggered by the work — will be documented as a Change Order and billed at the rates stated in this proposal or at {{contractor_name}}'s then-current published labor rates, whichever is in effect at the time the condition is discovered.

{{contractor_name}} warrants the workmanship of the installed work for a period of one (1) year from the date of substantial completion. Manufacturer warranties on materials and equipment pass through to {{client_name}} as provided by the manufacturer and are the exclusive source of any material warranty. This warranty does not cover normal wear, abuse, neglect, acts of God, subsequent work performed by others, damage from settlement or movement of the building, or modifications to the installed work performed without written consent. To make a warranty claim, {{client_name}} must notify {{contractor_name}} in writing within thirty (30) days of discovering the alleged defect and allow reasonable access to inspect and repair.

This proposal is valid for 30 days from the proposal date ({{proposal_date}}). Pricing is subject to change after that date due to material market fluctuations and scheduling availability. Acceptance requires signature below and receipt of the deposit amount stated in Payment Terms. Upon acceptance, this proposal, together with any attached specifications and subsequent written Change Orders, constitutes the complete agreement between the parties and supersedes any prior oral or written discussions.

**{{contractor_name}}** — License {{contractor_license}}

By: ________________________ Date: ______________

Print Name: ________________________

**{{client_name}}** — Owner / Authorized Representative

By: ________________________ Date: ______________

Print Name: ________________________

Property Address: {{client_address}}