Definitions here are general and meant to help you follow conversations with adjusters and contractors. Your policy's own definitions control how a term applies to your claim, and they can differ from one insurer to the next. When a word on an estimate is unclear, ask the person who wrote it to explain the line in writing.

Roof parts and roofing terms

Square
A unit of roof area equal to one hundred square feet, used to measure and price roofing.
Decking or sheathing
The plywood or OSB boards nailed to rafters that the roofing sits on.
Underlayment
The layer between the decking and the shingles, either felt or a synthetic sheet, that adds a second line of defense against water.
Ice barrier
A self-adhering membrane installed at eaves and valleys to resist water backing up under shingles from ice or wind-driven rain.
Drip edge
Metal edging at eaves and rakes that directs water into gutters and protects the deck edge.
Starter strip
The first course at the eave that seals the bottom edge of the roof against wind lift.
Ridge cap
Shingles or metal folded over the peak of the roof.
Step flashing
Small bent metal pieces woven with shingles where a roof meets a wall.
Pipe boot
The collar that seals around plumbing vent pipes; hail and sun often crack them.

Claim and policy terms

Date of loss
The date the storm occurred. Use it consistently on every document.
Declarations page
The summary page of your policy listing coverages, limits and deductibles.
Wind and hail deductible
A separate deductible for wind and hail losses, sometimes a percentage of dwelling coverage rather than a flat amount.
Supplement
A request to add items or quantities to an approved estimate, often after tear-off reveals more damage.
Overhead and profit
An allowance some estimates include for a general contractor's coordination when several trades are needed.
Matching
Whether undamaged areas must be replaced so repairs look uniform. Policy language and Colorado rules both play a part; ask your insurer.
Appraisal
A policy process to settle disagreements over the amount of loss, using appraisers chosen by each side and an umpire.
Public adjuster
A licensed professional who represents the policyholder, usually for a percentage of the claim.
Mitigation
Steps taken to prevent further damage, such as tarping, board-up and drying.

General information for Colorado Springs, not a quote or professional advice. In an emergency, call 911.