INSPECTION RESULTS
FA Field Inspection Report
PERSON:
Inspection Date: 03/24/2025
Those present at inspection: PHILIP PONCIROLI
INSPECTION SUMMARY:
After conducting an inspection of the insured premises, my inspection revealed: Damages to the roof, exterior elevations, interior, other structures, and personal
property at the risk location.
ANY SCOPE DISAGREEMENTS WITH INSURED/CONTRACTOR PRESENT AT INSPECTION?
None
Dwelling:
RSAT guidelines: If step 1 passes proceed to step 2. If a step fails, please be sure to explain why in the Roofing section below.
Step 1: PASS
Step 2: PASS
Step 3: RSAT sheet uploaded.
Roof:
Roof is composed of 30-year architectural shingle with a 5/12 pitch and one layer noted. Per the member, the roof is approximately 2 years of age. Claim was
submitted for possible hail damage. Roof is in fair condition with no underlying issues present. Inspection of the roof revealed damages as follows per test square:
Front - 14+ Right - 14+ Back - 14+ Left - 14+. Additional damages were present to the 1 rain cap, 2 turtle vents, ridge vent, 1 chase cover, 1 flue cap, l flashing, and the
skylight flashing.
Due to the damages present we have estimated for full roofing replacement.
RPS %, if applicable: 100% (100% - RPS on DEC page)
Exterior:
Front: Inspection of the front elevation revealed visible storm related damages present to the gutters, 6 screens, the garage door, and fascia.
Right: Inspection of the right elevation revealed visible storm related damages present to the gutters, 2 downspouts, 2 screens, and the vinyl siding with 1 impact
from hail present.
Left: Inspection of the left elevation revealed visible storm related damages present to the gutters, 2 downspouts, a/c fins, and fascia.
Rear: Inspection of the back elevation revealed visible storm related damages present to the gutters, 4 downspouts, 3 screens, 2 exterior lights, door wrap, the glazing
bead, 5 windows, 1 dryer vent, trim paint, fascia, and the vinyl siding with 20+ impacts from hail present.
Interior:
Interior damages present to the dwelling broken down per room as follows:
Bathroom - No visible water damage was found. The insured stated that cracks in the drywall tape and sections of drywall began falling from the ceiling during the
hailstorm. This aligns with wind damage, as high wind pressure likely caused flexing in the roofing system, leading to drywall cracking on the sloped ceiling near the
skylight.
Interior damages present to the dwelling broken down per room as follows:
Bathroom - No visible water damage was found. The insured stated that cracks in the drywall tape and sections of drywall began falling from the ceiling during the
hailstorm. This aligns with wind damage, as high wind pressure likely caused flexing in the roofing system, leading to drywall cracking on the sloped ceiling near the
skylight.
Water damages and entry appear to be due to wind driven rain through the step flashing.
Other Structures:
Fence:
Front Fencing - Insured owned - Visible damages present to the fence slats.
Right Fencing - Shared - Visible damages present to the fence paint and slats.
Back Fencing - Insured owned - Visible damages present to the fence slats.
Left Fencing - Insured owned - Visible damages present to the fence slats.
Contents:
Content damages present to the following: Weber Grill $600), Weber Grill Cover ($60) and the 4-piece Wicker Patio Furniture set ($1159). Comparable pricing for all
content items has been referenced via online retailers such as amazon.com or Home Depot
CAUSE AND ORIGIN:
Cause of loss: Hail
Origin: Hail
POLICY INFORMATION:
Policy Type: Homeowner's
Deductible Amount: $1500.00
Coverage Analysis: Covered loss
Non-Covered Damages: None
ONSITE SETTLEMENT:
Was the claim settled onsite: No
If you answered no, explain why: No settlement authority
HOVER:
Was Hover used for this loss: No
If you answered no, explain why: Eagleview
LABOR MINIMUMS:
Were Labor Minimums turned on and associated: Yes
CODE ITEMS:
No code line items were included in the estimate.
OVERHEAD AND PROFIT:
The scope of damages will not require coordination by a GC. O&P is not provided.
MORTGAGE COMPANY:
Verified current mortgagee as:
Servicing Mortgagee
JPMORGAN CHASE BANK, N.A.
ISAOA / ATIMA
PO BOX 4465
SPRINGFIELD OH 45501
LOAN NUMBER: 4023707318
LOSS HISTORY:
Prior Losses: No related prior claims listed for the member at this loss location.
SUBROGATION/SALVAGE POTENTIAL:
Subrogation: No subrogation potential.
Salvage: Salvage: No salvage potential.
