What is a scope of loss?
The carrier’s itemized estimate of the damage and what they’ll pay to repair it — the document every claim is built on.
The scope of loss (sometimes just called the scope) is the line-by-line estimate the insurance company produces after an adjuster inspects the damage. It lists every covered item, the quantity, the unit price, and the totals for ACV, depreciation, and the deductible.
This is the document you check the real job against. If the scope says one layer of shingles but there were two, or it skips the drip edge and ridge cap, that’s where supplements come from.
Reading the scope carefully is the most valuable five minutes on any claim. Every dollar you collect — and every dollar you have to fight for — traces back to what is and isn’t written here.