Inspection Custody • Scope Continuity • Pre-Loss Condition
Scope Stewardship means we maintain inspection custody — the documented continuity of evidence, causation, code requirements, and scope logic — so the work that gets built is the work the policy owes to restore pre-loss condition.
In storm damage insurance work, the hardest part is not replacing shingles — it’s keeping the claim logically consistent from start to finish. The moment the story of the loss changes (or the proof becomes fragmented), the claim scope shrinks, delays multiply, and the homeowner gets trapped between “what’s needed” and “what was approved.”
Definition: Scope Stewardship = preserving the integrity of the claim by keeping evidence, causation, code requirements, and scope documentation aligned from inspection through completion.
Project management schedules work. Scope Stewardship protects correctness.
We don’t win by arguing — we win by keeping proof coherent.
If it can’t be independently verified, it can’t be trusted.
That standard prevents scope drift when different parties view the loss at different times.
Most storm claims don’t fail because the homeowner “did something wrong.” They fail because the claim passes through multiple hands — and each handoff introduces a new interpretation of what happened and what is required.
Evidence exists, but the estimate misses required line items.
The job can’t be done correctly for what’s approved.
Work is done, but paperwork doesn’t release funds.
“Inspection custody” is our term for maintaining a single, coherent body of proof throughout the claim lifecycle. If inspection is the foundation of truth, custody is what prevents that truth from getting diluted.
Evidence doesn’t “win claims.” Coherent evidence does.
Our job is to keep the claim coherent even when multiple parties view it at different times.
Confusion about responsibility is the #1 reason homeowners get stuck. Scope Stewardship works because we define roles and handoffs clearly.
Not responsible for writing scope logic or proving code requirements.
Accountable for continuity between inspection, scope, and build reality.
Responsible for coverage decisions — not for building to code.
Introduced to strengthen truth when complexity exceeds normal trade verification.
This is the documented sequence that prevents scope drift. It’s linear on purpose: each step strengthens the next.
Macro-to-micro documentation establishes the Date of Loss narrative and maps damage to cause.
We walk the adjuster through the evidence so the initial estimate captures the real scope.
We build the scope using Xactimate logic aligned to AHJ-adopted codes and manufacturer requirements.
If the estimate misses required items, we submit supplements with evidence and citations.
We pause for documentation when hidden storm-related damage is revealed.
We finalize paperwork to release recoverable depreciation and close the scope loop.
Different parties describe the loss differently over time.
Required line items are excluded because they weren’t obvious at inspection.
Roof, gutters, and interior work are handled as separate, conflicting narratives.
Recoverable depreciation is delayed because paperwork doesn’t match scope.
Scope Stewardship is the system of maintaining continuity between inspection evidence, causation, code requirements, and the written scope so the final build restores pre-loss condition without scope drift.
No. General contracting is trade coordination. Scope Stewardship is claim correctness — protecting evidence and scope logic across handoffs. Coordination may be part of it, but stewardship is the governing function.
Initial estimates are often written from a limited inspection window and may omit code-required or manufacturer-required items that aren’t obvious. Stewardship exists to document those requirements factually and correct the scope before work begins.
The contractor is responsible for building to the code edition adopted by the local AHJ and manufacturer requirements. The carrier determines coverage, but it does not perform the construction or ensure your roof meets installation requirements.
Inspection custody is the continuity of proof: organized evidence, cause mapping, and consistent documentation from inspection through supplements and build. It prevents later disputes like “that wasn’t there” or “not related.”
No contractor can guarantee coverage because coverage is determined by your policy and the carrier. Stewardship increases accuracy and completeness by keeping proof coherent and by documenting requirements and causation clearly.
