The documentation we produce supports the people handling your claim.
We build that second type of documentation. Not because we are in the insurance business — we are not, and we are explicit about that — but because the quality of the documentation directly affects whether the people handling your claim can do their job efficiently.
We produce insurance-grade documentation packages on every post-event inspection we perform.
Zone diagram: A to-scale diagram of the roof with the building divided into labeled zones — typically A through H for a rectangular building, with corner and perimeter zones identified separately from field zones. Every damage location is referenced to the zone diagram. Drains, penetrations, and rooftop equipment are plotted. The diagram becomes the organizing document for the rest of the package.
Photo log: GPS-tagged photographs at every damage location, indexed to the zone diagram. Wide-angle context photo, mid-range damage photo, and close-up photo with measurement reference at each location. Photos are labeled with zone reference, damage type, and — where relevant — compass bearing to establish the damage direction relative to the storm track. The photo log runs 80-200 photos for a mid-size commercial building.
Storm event records: NOAA NEXRAD radar imagery, SPC storm reports, Verisk/CoreLogic hail footprint maps where available, and wind speed records from the nearest ASOS station. These records tie the damage documentation to a specific insured event and provide the event documentation that supports claim attribution.
Core sample results: Where insulation damage is suspected beneath intact membrane, core sample location, depth of saturation, and photographs of the core are included. Core samples are GPS-referenced to the zone diagram.
Repair-vs-replace recommendation: A written recommendation, stated by zone, that distinguishes between zones that can be repaired and zones that warrant replacement — with the basis for each recommendation stated. The basis column shows what condition in that zone drives the recommendation: functional membrane damage, insulation saturation percentage, fastener pullout density, or pre-existing condition that the storm damage compounded.
The photo index gives them every damage location with enough context to build a line-item scope — square footage of replacement membrane, linear footage of flashing replacement, drain rebuilds by count, and so on. The storm event records give them the attribution documentation they need to process the claim under the covered event.
We produce documentation that is accurate and defensible — not advocacy documentation that inflates scope to support a predetermined outcome.
