Phoenix hail 2010: Hail did not cause for the SPF to be exposed. Age related degradation to elastomeric coating. Interesting: There are no leaks is this building as the SPF is a closed cell product.

Hail and wind did not cause the observed conditions. Appraisers have to distinguish coverage / covered causes of loss from non covered causes of loss in their quest to calculate an amount of loss. Appraisers do not set coverage in finality. That is reserved for the courts as the interpretation of an insurance contract is also a question of Law.

Wind caused the damage observed. Of importance – Like Kind and quality does not mean exact match. Arizona does not have a matching statute. a Washington state homeowners appellate court roof covering case clarifies that identical matching is not required when considering LKQ: in consideration of like kind and quality, on the spectrum of resemblance, comparable material and quality requires something less than identical color match, but a reasonable color match nonetheless.

Hail. How did the two, elevated, background condenser coils not experience hail impact while the one in the foreground did? The AZ Dept of Insurance would like an answer to this question as well.

Fire and water damage from firefighting services. Deciphering the coded language found in the fire fight minute by minute report, one can calculate the amount of water dispersed on to the property.

Hail. Roof covering damage alleged. Result – damaged tiles on the roof were limited to the dormer window and linear areas directly beneath the second story fascia above the pictured slope. Causation: foot traffic. No spatter marks on oxidized paint. The single most fragile surface, providing physical evidence, on any property is oxidized paint.

Hail. Roof covering and cladding damage. Age, wear, tear, maintenance and decay caused the observed features.

Hail. Hail impact did not create these features.

Hail. Direct physical evidence providing directionality, inclination of hail fall, some definition as to the size of the hail, density and duration.

Hail. There it is. Identify the material involved.

Hail. Much to the chagrin of some, the valuation here is zero.

110+ sustained straight line winds blowing off the Wasatch mountains in Utah also reached the San Fernando Valley in California, 710 road miles away, and damaged portions of Cal State Northridge. The process of a framing crew followed “later” by a nailing crew is economical in consideration of the short term cost of money and production, except when the wind blows. Nail it down.

Old man winter wind wreaks havoc on scaffolding covered by plastic sheathing.

When the scratches are not isolated to the exposed surface, and exist behind the metal frame, noted after installation, the cleaner didn’t do it. Document the glass. Include examinations by glass scientist Professor Plum, and interview the butler.

Stay ahead of a hazard. Utilize a thermal camera.

Baptist Churches.

Wildfire and community smoke damage

Professional office building and collapse

Advertising towers

Commercial business structures

Art galleries

Commercial warehouse and collapse

Restaurants

Historical buildings

Horse breeding facility – steel structures

Water loss – High rise residential

Charlie, Francis, Jeanne, Ivan, Katrina, Rita, Ike

Hurricane Katrina. When a hole in the roof is created in the commercial building, the damage assessment extends, rightfully so, below the waterline.

Hurricane Ike

Hurricane Ike. Random leaks throughout the commercial strip mall. Low slope roof covering, 70 squares, no discernible hole created in the exterior surfaces of the roof allowing water to enter the building triggering coverage for water damage. Keen investigation through observation and experience, pillowing was noted underfoot of foot traffic. Core sample taken. Zonatite fasteners had pulled through the base sheets. Wind and Water damage coverage rightfully applied.

Core sample lifting near effortless, no resistance from mechanical fasteners. Fasteners had pulled through lower base sheet layers of a built up system due to effects of wind from Hurricane Ike. Flexing of roof deck and pulling on fasteners appears to have contributed to lightweight concrete fracturing. Coverage for roof covering replacement and interior water damage achieved.

Bruce McNeil was granted access to the Northridge Meadows Apartment complex after the 1994 quake.

In a near vertical direction, this 3 story apartment complex collapsed upon the first floor. A result of strong vertical ground motion from a previously unknown thrust fault system.

Wildfires – Malibu burning. Lahaina Shores Beach resort Maui (built by McNeil Construction Company) did not burn. The resort is built of masonry, including interior walls, and steel. The Whalers Marketplace on the northside, conventional wood framing, was reduced to ash.