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INSURANCE-FUNDED PROJECT

Farmers Insurance Hail Roof Replacement & New Decking in Tarrytown, Austin TX

Driftwood Builders Roofing completed an insurance-funded asphalt shingle roof replacement for a homeowner in Tarrytown. The inspection documented hail-related impacts on the existing shingles and collateral marks on metal roof components. Farmers approved replacement of the approximately 2,911-square-foot roof.

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Roofing contractors in Austin, TX
Years
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Why Austin Homeowners Choose Driftwood Builders Roofing

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Completed rear roof slopes after redecking and shingle installation

Project Overview

Driftwood Builders Roofing completed an insurance-funded asphalt shingle roof replacement for a homeowner in Tarrytown. The inspection documented hail-related impacts on the existing shingles and collateral marks on metal roof components. Farmers approved replacement of the approximately 2,911-square-foot roof.

The most important construction issue was not visible until tear-off. Beneath the old shingles, the crew removed four layers of felt paper and uncovered plank-style skip sheathing with gaps, holes, and broken boards. A continuous substrate was required before the replacement roofing system could be installed, so the project added 65 sheets of new decking at $100 per sheet. Farmers approved the complete $20,080 scope: $13,580 for the roof replacement and $6,500 for the new decking.

The homeowner selected GAF Timberline HDZ architectural shingles in Slate, a gray blend that created a noticeably lighter finished appearance than the original brown roof.

Project Details

Farmers-Approved Hail Roof Replacement & Redecking in Tarrytown

Detail Amount
Location Tarrytown, Austin, TX 78703
Roof size Approx. 2,911 sq. ft.
Roof system GAF Timberline HDZ
Color Slate
Carrier Farmers
Approved scope $20,080

HIDDEN CONDITIONS FOUND DURING TEAR-OFF

WHY CAN ROOF DECKING INCREASE THE FINAL PROJECT COST?

Roof estimates are based on conditions that can be observed or reasonably anticipated before work begins. On this older Tarrytown home, four felt layers concealed skip sheathing and damaged boards. Once exposed, those conditions had to be documented and addressed before the new asphalt shingles could be installed.
Completed GAF Timberline HDZ Slate roof in Tarrytown

ROOF REPLACEMENT

Why the Roof Was Replaced

The existing roof was replaced after the inspection documented hail impacts affecting the asphalt shingles and metal roof accessories. Hail can displace protective granules, bruise the asphalt layer, and dent softer metal components. The before photos also show age-related wear, weathered accessories, and prior patching, so the page distinguishes those existing conditions from the documented hail evidence.

Farmers reviewed the claim and approved the full replacement scope. Approval of the construction scope does not mean a homeowner has no deductible or other policy responsibility; those terms remain governed by the individual insurance policy.

Scope of Work – Insurance Roof Replacement and Redecking

The completed roof replacement scope included the following work:

Why Skip Sheathing Required New Roof Decking

Skip sheathing uses individual wood boards with spaces between them rather than a continuous panel deck. It was common on some older homes and may have supported earlier roofing materials or assemblies. For a modern asphalt shingle replacement, the contractor must evaluate whether the existing deck provides a suitable, continuous fastening surface and meets the applicable product and project requirements.

Here, tear-off exposed open gaps, broken boards, and holes. Installing 65 sheets of new decking created a continuous surface over the existing structure. The work added $6,500 to the roof scope, or $100 per sheet, and Farmers approved that documented addition.

Gap and damaged board in existing roof decking discovered beneath four layers of felt

Will Insurance Pay for Roof Decking Discovered During Tear-Off?

The original roof replacement scope did not fully reveal the condition beneath four layers of felt. Once the roofing system was removed, our crew documented the existing skip sheathing, open gaps, holes, and damaged boards with photographs.

We submitted documentation supporting the additional decking work, and Farmers approved $6,500 for 65 sheets of new decking at $100 per sheet.

Whether decking is covered on another claim depends on the policy, cause of loss, existing conditions, applicable building requirements, and the insurer’s review. Supplemental approval is not guaranteed.

Hole in existing wood roof deck documented for Farmers insurance supplemental review

What Is Skip Sheathing on an Older Austin Roof?

Skip sheathing consists of individual wood boards installed with spaces between them instead of a continuous plywood or OSB roof deck. It is commonly encountered on some older homes and roofing assemblies.


When replacing the roof with modern asphalt shingles, the existing decking must provide an appropriate surface for fastening the new roofing system. If gaps, deterioration, or other unsuitable conditions are present, additional decking may be necessary.

Completed GAF Timberline HDZ Slate roof in Tarrytown

Does skip sheathing always need to be covered with plywood?

Not necessarily. Requirements depend on the roofing assembly, manufacturer specifications, local code, and project-specific conditions. On some roofs, sound skip sheathing with a proper deck protection layer may be acceptable; on others, a continuous panel deck is required before the new roofing system can be installed.
Finished Tarrytown roof replacement with GAF Timberline HDZ Slate shingles

Before Photos

The inspection documented possible hail impacts on the shingles and collateral marks on metal roof components, along with existing wear and prior repair conditions.

During Photos – Skip Sheathing Discovered

After four felt layers were removed, the exposed deck revealed spaced boards, gaps, holes, and broken areas. These conditions supported the need for a continuous new decking layer.

After Photos

The completed roof uses GAF Timberline HDZ architectural shingles in Slate. The lighter gray blend complements the home’s exterior and provides a clean, consistent appearance across the front and rear slopes.

How Much Did This Tarrytown Roof Replacement Cost?

Farmers approved a total construction scope of $20,080. The roof replacement portion was $13,580, and the supplemental decking work was $6,500 for 65 sheets at $100 per sheet.
Approved Scope Amount
Insurance-approved asphalt roof replacement $13,580
65 sheets of new roof decking $6,500
Total Farmers-approved construction scope $20,080

Important Insurance and Pricing Disclaimer

This project total applies only to this property and approved scope. Insurance coverage, deductibles, depreciation, exclusions, code items, and supplemental approvals vary by policy and claim. Approval of $20,080 does not mean the homeowner had no deductible or other policy responsibility. Roof and decking costs also vary with measured area, access, pitch, material selection, labor, disposal, and conditions discovered during tear-off.

How Our Roof Replacement Works

1. Free Inspection & Estimate

We inspect the full roof and assess the shingles, decking, flashing, and ventilation, then provide a free, no-obligation estimate.

2. Honest Recommendation

We tell you honestly whether a targeted repair or a full replacement is the right long-term value for your home, with no pressure.

3. Tear-Off & Installation

We protect your property, tear off the old roof, inspect and repair the decking, and install a new architectural asphalt shingle system per manufacturer specifications.

4. Final Check & Cleanup

We verify flashing, ventilation, and workmanship, complete a magnetic nail sweep, and finish with a final quality-control inspection.

Related Austin Roofing Resources

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Roofing Tips & Education

Frequently Asked Questions About Roof Decking and Insurance Claims

Does homeowners insurance pay for roof decking discovered during tear-off?

Coverage depends on the policy, cause of loss, existing conditions, applicable building requirements, and the insurer’s review. On this project, Farmers approved the decking discovered during tear-off after documentation was submitted. Supplemental approval is not guaranteed on another claim.

A supplement is an additional amount requested from the carrier after the original claim estimate, based on conditions discovered once work begins. According to the project information supplied by Driftwood Builders Roofing, the supplement on this project totaled $6,500 for decking not included in the original scope.

According to the project information supplied by Driftwood Builders Roofing, Farmers approved the complete $20,080 construction scope on this project, including the $6,500 decking addition, after reviewing photo documentation. Coverage on another claim depends on the individual policy and the insurer’s own review.

Skip sheathing is a roof deck made from individual boards installed with spaces between them instead of a continuous panel surface. It was commonly used on some older homes.

Can asphalt shingles be installed directly over skip sheathing?

Not necessarily. The existing deck must provide a suitable, continuous fastening surface for modern asphalt shingles. If gaps, deterioration, or other unsuitable conditions are present, additional decking may be necessary before installation.

Decking costs vary by material, condition, and project scope. According to the project information supplied by Driftwood Builders Roofing, this project’s decking was priced at $100 per sheet, with 65 sheets required for a total of $6,500.

The condition is documented with photographs before additional work proceeds, and that documentation is submitted to the carrier for review. On this project, the additional decking was documented and approved by Farmers as a supplement to the original scope.

Damage is typically photographed as soon as it’s exposed, before it is covered by further work, and submitted with a written scope describing the condition found. According to the project information supplied by Driftwood Builders Roofing, this approach was used to support the decking supplement on this project.

Roofing Services Near Tarrytown and Central Austin

Driftwood Builders Roofing provides roof inspections, hail-damage documentation, insurance-funded roof replacements, repairs, asphalt shingles, metal roofing, tile roofing, flat roofing, gutters, siding, windows, and other exterior services throughout Austin and Central Texas. Homeowners in Tarrytown and 78703 can request an inspection and a detailed proposal based on the property’s measurements and conditions.

Finished Tarrytown roof replacement with GAF Timberline HDZ Slate shingles
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