Sample report using fictional claim information. Not a real homeowner or policy.

Sample Claim Report

A preview of what an ApproveMyRoof review looks like, built from fictional data.

Claim overview

Property123 Example Ln, Anytown
CarrierExample Insurance Co.
Claim numberCLM-000-EXAMPLE
Date of lossMarch 14, 2025
Estimate dateApril 2, 2025
DocumentCarrier Estimate (12 pages)

Payment summary

Replacement Cost Value (RCV)$24,180.00
Less: Recoverable depreciation− $6,420.00
Less: Nonrecoverable depreciation− $310.00
Actual Cash Value (ACV)$17,450.00
Less: Deductible− $2,500.00
Estimated net ACV payment$14,950.00
Recoverable depreciation available after completion$6,420.00

Recoverable depreciation is an amount withheld under many replacement-cost policies. It may be released after covered work is completed and required documentation is submitted, subject to policy terms, deadlines, actual incurred costs, and carrier review.

Findings

Detected as includedConfidence: high

Drip edge — included on all eaves and rakes

Detected in the estimate at 220 LF, priced at $2.15 per LF.

Source: Page 4, line 22

VerifyConfidence: medium

Ice-and-water barrier at eaves

Item listed at 3 SQ. Local code and roof configuration may require additional coverage; verify against your municipality's requirements.

Source: Page 5, line 31

Not detectedConfidence: medium

Kickout flashing not detected

Kickout flashing was not identified in the estimate. If your roof has a roof-to-wall termination, this item may be worth asking about.

Source: Not detected in the uploaded estimate

InformationalConfidence: low

Overhead and profit (O&P)

O&P may be included when the repair reasonably requires general-contractor coordination. Carrier practices, policy language, project complexity, and state-specific rules may affect whether it is included.

Source: Not detected — verify

Estimated homeowner responsibility

Estimated project cost (contractor estimate)$26,400.00
Less: Available insurance funds− $21,370.00
Plus: Deductible+ $2,500.00
Plus: Upgrades / uncovered work+ $1,200.00
Estimated homeowner responsibility$8,730.00

This estimate may change based on contract price, recoverable depreciation released after completion, supplements, policy limitations, upgrades, code requirements, and carrier review.

Documentation checklist

  • Signed contract with roofing contractor
  • Final invoice reflecting actual cost incurred
  • Before-and-after photos
  • Permit and permit closeout (if required locally)
  • Material invoices
  • Depreciation-release request to carrier
  • Mortgage-endorsement instructions (if applicable)
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