Free Roof Quote & Insurance Scope Review

Understand Your Roofing Quote Before You Sign

Upload your roofing estimate or insurance scope and let Watchdog Roofing & Restoration help you understand what is included, what may be missing, and which questions you should ask before work begins.

  • Free, no-obligation review
  • Colorado roofing professionals
  • Clear explanations, no industry jargon

You are never required to hire Watchdog to get this review. It is educational and preliminary only — see the full disclaimer further down this page.

How It Works

Three steps, no pressure

Most homeowners hear back within one business day. Nothing you send obligates you to anything.

  1. Upload your documents

    Send us your contractor proposal, insurance scope, inspection report, or related documents. One file or several — whatever you have.

  2. We review the details

    Our team reads through the scope, materials, accessories, warranty language, pricing terms, and other important details line by line.

  3. Get a clear explanation

    We contact you to explain what the documents include, point out possible gaps, answer your questions, and give you a list of things worth asking about.

What We Look At

What Watchdog reviews in your documents

A roofing estimate can be two pages or twenty, and the price at the bottom rarely tells you what you are actually buying. These are the areas we read carefully — and the question we would ask about each one.

Property and roof scope

A proposal should say exactly which structures are covered — the house, a detached garage, a shed — along with measured roof area, pitch, and how many stories. Most disagreements later on trace back to scope that was never written down.

Question to ask

“How many squares, what pitch, and which structures is this price based on?”

Tear-off, disposal, and property protection

Removing existing layers, hauling debris, covering landscaping and AC units, and sweeping the yard for nails are all real line items. When they are not spelled out, it can be unclear whether they were priced in.

Question to ask

“How many layers are you removing, and what is included for dumpster, haul-off, landscape protection, and nail cleanup?”

Shingle manufacturer and product line

“Architectural shingles” is a category, not a product. Two shingles from the same manufacturer can differ in impact rating, wind rating, warranty eligibility, and price. In hail country that difference matters.

Question to ask

“Which manufacturer, product line, color, and impact rating — Class 3 or Class 4 — is quoted here?”

Starter shingles and ridge-cap shingles

Manufacturer-made starter strip and hip-and-ridge cap are often a condition of the enhanced system warranty. Cutting up field shingles to serve the same purpose costs less and can look similar from the ground.

Question to ask

“Are you installing manufacturer starter strip and hip/ridge cap, and which products by name?”

Underlayment and ice-and-water protection

Synthetic underlayment and felt are not the same product, and where ice-and-water membrane is applied — eaves, valleys, around penetrations, in low-slope areas — changes both performance and cost. Colorado jurisdictions do not all treat this identically.

Question to ask

“What underlayment is specified, and exactly where does the ice-and-water membrane go?”

Drip edge, flashing, pipe boots, and accessories

These smaller components are where estimates most often go thin. New versus reused flashing, step flashing at walls, counter-flashing at chimneys, and the type of pipe boot all affect how long the roof stays watertight.

Question to ask

“Which flashings and boots are being replaced new versus reused, and what gauge and color is the drip edge?”

Roof decking and pricing for damaged decking

Nobody knows what the decking looks like until the old roof comes off. A clear proposal states the price per sheet or per board foot in advance, so the number is settled before anyone is standing on your roof with a pry bar.

Question to ask

“What is the price per sheet of replaced decking, and how will you document what needed replacing?”

Intake and exhaust ventilation

Ventilation is a balanced system: intake low at the soffit, exhaust high at or near the ridge. Adding exhaust without matching intake, or mixing two exhaust types on one attic space, can work against you.

Question to ask

“What intake and exhaust are you installing, how did you calculate the amount, and are we mixing vent types?”

Permit and building-code considerations

Colorado municipalities and counties adopt different code editions and local amendments, so requirements in Brighton are not automatically the requirements in Arvada or Greeley. Who pulls the permit, who pays for it, and who meets the inspector belongs in writing.

Question to ask

“Which jurisdiction issues this permit, who pulls and pays for it, and what code-driven items do you expect?”

Manufacturer and workmanship warranties

A manufacturer’s material warranty and a contractor’s workmanship warranty are separate promises from separate parties. Enhanced system warranties generally require specific components and a certified installer, and registration is sometimes the homeowner’s job.

Question to ask

“Which manufacturer warranty am I getting, what does it require, and how long is your workmanship warranty — is it transferable?”

Payment schedule, change orders, and cancellation terms

Deposit amount, when the balance is due, how a change order gets approved, and your right to cancel are contract terms rather than fine print. Colorado has specific statutory requirements for residential roofing contracts connected to an insurance claim.

Question to ask

“What is the payment schedule, how are change orders approved in writing, and what are my cancellation rights?”

Differences between the proposal and the insurance scope

When a claim is involved, the insurer’s scope and the contractor’s proposal are two independent documents. Line items, quantities, and prices do not always line up, and the places where they diverge are usually the places worth a conversation.

Question to ask

“Which scope line items are missing from this proposal, and which proposal items are not on the scope?”

Items that appear unclear, missing, generic, or open-ended

Language like “as needed,” “if required,” or “standard materials” moves decisions and dollars into the future. Getting those replaced with named products, counts, and prices is far easier before the contract is signed than after.

Question to ask

“Can you replace the open-ended language with specific products, quantities, and prices?”

Free Document Review

Send us your documents

Fill in your details, attach what you have, and we will get back to you. Fields marked with an asterisk are required.

Accepted files: PDF, JPG, JPEG, PNG, DOC, DOCX  ·  Up to 5 files, 10 MB each. A clear photo of a printed estimate is fine — just make sure the text is readable.

Please read before you submit

This complimentary review is provided for general educational purposes and is not legal advice, public-adjusting services, an insurance coverage determination, or a guarantee of building-code compliance. Final requirements may depend on your contract, insurance policy, property conditions, manufacturer specifications, and the authority having jurisdiction. An on-site inspection may be necessary.

Why Homeowners Send Us Their Paperwork

A straight read of what you were handed

We are a Colorado roofing contractor, not a call center and not a claims service. Here is exactly what that means for your documents.

Your files stay private

Documents are transmitted over an encrypted connection and stored in a non-public location on our site. They are read by Watchdog team members only, and never sold or shared with third-party lead buyers.

Colorado conditions, Colorado code

Hail, wind-driven rain, freeze-thaw cycles, and a patchwork of local amendments along the Front Range. We read your documents against the conditions your roof actually lives in.

Plain language, in writing

You get an explanation you can actually use in a conversation with your contractor or your insurer — not a sales pitch dressed up as a report.

No obligation, either way

Plenty of homeowners use this review and then hire someone else. That is a fine outcome. We would rather you sign a good contract than a bad one.

Watchdog Roofing & Restoration is a Colorado roofing contractor. We do not represent homeowners in negotiating or adjusting insurance claims, and nothing on this page should be read as an offer to do so. Questions about coverage, policy interpretation, or claim handling should be directed to your insurance carrier, your agent, or a licensed professional in that field.

Questions

Frequently asked questions

Is the review really free?

Yes. There is no charge and no obligation to hire Watchdog Roofing & Restoration. We offer it because homeowners who understand their paperwork make better decisions, and some of them decide to work with us afterward.

Can you review an insurance scope?

Yes. We can read an approved scope alongside a contractor proposal and explain where the two documents describe different work. What we cannot do is determine coverage, interpret your policy, or negotiate your claim — we are a roofing contractor, not a public adjuster or an attorney.

Can I upload more than one roofing estimate?

Please do. You can attach up to five files in a single submission. Comparing two or three proposals side by side is one of the more useful things we can do for you, because it shows what one contractor included that another left out.

How quickly will someone contact me?

Usually within one business day. After a significant hail or wind event our volume goes up and it can take a little longer. If you are working against a deadline — a contract you have been asked to sign, or a claim deadline — call us at 720-235-8159 and say so.

Does the review guarantee insurance coverage?

No. Nothing in this review is a coverage determination or a prediction of what your insurer will pay. Only your insurance carrier can make that decision, based on your policy, your deductible, and their own inspection. We can help you understand what the documents say; we cannot tell you what a claim will do.

Can Watchdog inspect the roof in person?

Yes, and it is also free. A document review and an on-site inspection answer different questions: the paperwork tells us what someone proposed, the roof tells us what is actually there. For anything involving decking, ventilation, or storm damage, an inspection is often the only way to be sure.

What file formats can I upload?

PDF, JPG, JPEG, PNG, DOC, and DOCX, up to 10 MB per file and five files per submission. A clear phone photo of a printed estimate works fine as long as the text is readable. If you have something in another format, or a file that is too large, call us and we will find another way to get it.

How are my documents protected?

Uploads travel over an encrypted HTTPS connection and are stored in a non-public directory on our website rather than anywhere a search engine or a stranger could browse to. Access is limited to Watchdog team members handling your request. We do not sell your documents or your contact information, and you can ask us to delete everything you sent at any time.

Still holding an estimate you are not sure about?

Send it over. Worst case, you learn that the proposal in front of you is solid — which is worth knowing too.

📞 Call (720) 235-8159