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Storm loss specific analysis • Expected trade detection • Observational findings
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Wind & Hail Damage Estimate Analysis
Wind & Hail Damage Estimate Review provides loss-type-specific analysis for wind and hail damage claims. The system compares detected trades against storm loss expectations and generates observational findings about estimate structure.
This is NOT coverage interpretation. Storm loss expectations are observational patterns only, NOT statements about what is covered, required, or owed.
What This Tool Does NOT Do
- Does NOT determine if wind/hail damage is covered
- Does NOT interpret exclusions (cosmetic damage, age, etc.)
- Does NOT provide opinions on cause of damage
- Does NOT determine wind speed or hail size
- Does NOT provide roofing or siding advice
Wind Loss Expected Trades
Required Trades (Commonly Observed)
RFG
Roofing
Primary wind damage target
Common Trades (Frequently Observed)
SID - Siding (wind damage)
WIN - Windows (broken by wind/debris)
GUT - Gutters (wind damage)
SHT - Sheet Metal (flashing, etc.)
DRY - Drywall (if water intrusion)
PNT - Painting (if interior affected)
FRM - Framing (structural wind damage)
Hail Loss Expected Trades
Required Trades (Commonly Observed)
RFG
Roofing
Primary hail damage
Common Trades (Frequently Observed)
GUT - Gutters (hail dents)
SHT - Sheet Metal (hail dents)
SID - Siding (hail damage)
WIN - Windows (broken by hail)
CRITICAL DISCLAIMER
These are observational patterns only. They are NOT statements about:
- What should be covered under your policy
- Whether damage is from wind, hail, or other causes
- Whether cosmetic damage is covered
- What carriers must pay for
Categories not detected may be intentionally excluded, not applicable, or not covered under your policy.
Wind vs. Hail Damage Patterns
Wind Damage Only
Commonly observed trades: RFG, SID, WIN, GUT, FRM
Pattern: Often includes structural trades (FRM) if wind was severe
Secondary damage: DRY, PNT if water intrusion occurred
Hail Damage Only
Commonly observed trades: RFG, GUT, SHT, SID
Pattern: Focus on exterior surfaces (roofing, siding, gutters)
Less common: Interior trades (unless hail broke windows/skylights)
Combined Wind & Hail
Commonly observed trades: RFG, SID, WIN, GUT, SHT, DRY, PNT
Pattern: Both exterior damage and potential water intrusion
Storm Damage Integrity Checks
- Roofing without gutters: RFG trade detected but GUT not detected
- Water intrusion without interior work: Roof damage but no DRY/PNT
- Removal without replacement: Damaged materials removed but not replaced
- Exterior damage without water barrier: Siding/roofing without underlayment
Example Wind Damage Estimate
Roof - Wind Damage
RFG - Remove damaged shingles - 2500.00 SF
RFG - Install new architectural shingles - 2500.00 SF
RFG - Replace ridge cap - 80.00 LF
GUT - Replace damaged gutters - 120.00 LF
SHT - Replace flashing - 40.00 LF
WIN - Replace broken window - 2.00 EA
DRY - Remove water damaged drywall - 80.00 SF
DRY - Install new drywall - 80.00 SF
PNT - Paint ceiling - 80.00 SF
Analysis Result:
- ✅ Required trades detected: RFG
- ✅ Common trades detected: GUT, SHT, WIN, DRY, PNT
- Water intrusion trades detected (DRY, PNT) - consistent with roof damage
Example Hail Damage Estimate
Roof & Exterior - Hail Damage
RFG - Remove hail damaged shingles - 3000.00 SF
RFG - Install new impact resistant shingles - 3000.00 SF
GUT - Replace hail damaged gutters - 150.00 LF
SHT - Replace hail damaged flashing - 50.00 LF
SID - Replace hail damaged siding - 400.00 SF
Analysis Result:
- ✅ Required trades detected: RFG
- ✅ Common trades detected: GUT, SHT, SID
- No interior trades detected - consistent with hail damage pattern
What This Analysis Does NOT Tell You
- NOT whether wind/hail damage is covered
- NOT cause of damage determination
- NOT whether cosmetic damage is covered
- NOT age/wear vs. storm damage
- NOT wind speed or hail size
- NOT whether estimate is adequate
System Refusal Conditions
The system WILL REFUSE if:
- Document is not Xactimate format (confidence < 75%)
- Request includes coverage questions
- Request includes cause determination questions
- Request includes cosmetic vs. functional damage questions
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