What a hail and wind damage inspection actually documents

A storm claim is decided on documentation produced at the property, usually months before anyone disputes it. What gets photographed and written down on the day is the claim.

The parts that carry the argument

• Test squares on each slope, documented separately. Damage is rarely uniform, and slope-by-slope evidence is what distinguishes a storm pattern from wear.
• Collateral damage on soft metals — gutters, downspouts, vents, AC fins. It corroborates the hail event independently of the roof surface.
• Directionality. Wind damage has a story; a report that shows it is far harder to argue with.
• Interior and elevation evidence, dated, with enough context to place each photo.

Depreciation and O&P are separate arguments

Actual cash value turns on useful life and condition, and the method varies by carrier and policy — so our depreciation schedule takes those as inputs rather than asserting a table. Overhead and profit is justified by the number of trades and the coordination the job actually requires; the tool helps you document that reasoning rather than assert an entitlement.

The Insurance Claims & Adjusting pack organises a claim. It does not determine coverage, and nothing in it is a coverage opinion or legal advice.