How to Know if Your Insurance Estimate Is Missing Money

If you’re a roofing or restoration contractor relying on insurance estimates, chances are you’ve already experienced the frustration of underpaid claims. But what if the problem isn’t just the carrier’s decision—what if it's what's missing from your Scope of Loss?

The truth is: most insurance estimates are missing key components that directly impact your payout. Incomplete scopes mean smaller settlements, slower jobs, and lost revenue.

So how can you tell if your claim is coming up short?

1. Watch for Red Flags in the Estimate Carriers often use pre-loaded templates and rapid inspections, which means important details get left out. Look for:

• Generic or vague line items (e.g., “shingle replacement” with no specifics)

• Missing code upgrades

• No detachment/reset items (like satellite dishes or gutter guards)

• Outdated or underpriced material costs

2. Compare with What Was Actually Done If your crew had to perform additional work that isn’t listed in the Scope, you’re likely missing compensation. Flashing, ridge caps, ice & water shield, and permit fees are often overlooked.

3. Know the Commonly Missed Items We’ve reviewed thousands of estimates, and the same items get missed again and again. That’s why we created the guide:

Top 10 Most Missed Line Items in Roofing Insurance Claims→ It breaks down the most overlooked components that can increase your claim by thousands.

4. Get a Second Set of Eyes (for Free) Our team at PAS Claims offers a Free Scope of Loss Review. Upload your estimate and we’ll show you exactly what was missed, underpriced, or left off—before you leave money on the table.

Don’t let carriers dictate your bottom line. A simple review could uncover thousands in missed revenue.

📄 Download our FREE guide to see the top 10 missed items you should always watch for.🔗

Download Guide

Then, upload your Scope for a Free Review and let us take it from there. (click pic)