Clear scope. Clean execution.
What Insurance-Grade Roof Documentation Contains
Roof zone diagram: A scaled top-down diagram of the entire roof surface, divided into labeled zones of 10,000 to 20,000 sq ft depending on the roof's size and complexity. Every photograph in the documentation package carries a zone label and a position reference keyed to the diagram. An adjuster reviewing the report can locate every documented item on the roof without a second site visit or a phone call.
Timestamped photo log: Every photograph carries the timestamp from the camera's GPS-enabled log - not just a file modification date, but an embedded timestamp. Photos are organized by zone and by damage category within each zone. We shoot to document conditions, not to make the damage look more or less severe than it is. The photo log is complete - it includes photographs of undamaged areas in adjacent zones so the adjuster can see the contrast.
Event vs. pre-existing analysis: This is the most important element of the written narrative and the most commonly absent element in contractor-produced documentation. Pre-existing conditions - aged flashing adhesive, prior repair patches, granule loss from previous wear cycles - are documented with their own photographs and notation, distinct from the event-related damage column. The basis for each classification is explained: why this separated flashing is event-related versus why that one is pre-existing. Adjusters who see this analysis in a report treat it as a signal that the documentation is credible.
Meteorological record integration: We pull the NWS San Antonio storm event report for the relevant date and event - hail size, wind speed, rainfall intensity, storm track. For Uri freeze claims we reference the NWS and NOAA freeze event records. We integrate the meteorological record into the written narrative so the adjuster has the event characterization alongside the physical documentation.
Line-item repair scope: The repair scope lists individual work items with quantities - square feet of membrane replacement, linear feet of flashing, number of penetrations, drain work items - not a lump-sum number. A line-item scope lets the adjuster evaluate what each element costs and compare it to the documented damage. A lump-sum estimate does not.
Documentation for Different Claim Types
Hail claims: We produce the hail impact mapping - the density and distribution of visible impact points across the membrane surface - and correlate it to the NWS reported hail size. We document the spatter bruising pattern on TPO membranes, the granule loss pattern on modified bitumen surfaces, and the impact denting on metal copings and equipment housings. The impact mapping is the primary evidence base for a hail claim.
Wind claims: We document the uplift failure pattern - where the membrane or edge metal failed first and how the failure propagated - and explain the uplift mechanics in the written narrative. We reference the building's wind exposure category and the IBC design wind speed for the building's location. This explanation is often absent from contractor-produced wind damage documentation and is what the adjuster needs to evaluate whether the damage was from an event that exceeded the design wind load.
Freeze damage claims: Uri claims require a clear documentation of the thermal damage mechanism - why the freeze produced the specific flashing and seam failures observed - and a reference to the NWS and NOAA freeze event records. We document the Uri damage pattern against the baseline of a normal Texas winter to establish that the failure was event-related rather than ordinary wear.
Water infiltration claims: Water damage claims require the moisture map - the documented distribution of saturated insulation - and the entry point analysis. Without the moisture map, the adjuster cannot evaluate the replacement scope. Without the entry point analysis, the adjuster cannot determine whether the water infiltration was from an acute event or gradual deterioration. Both elements are required for a complete water damage claim package.
Frequently asked questions
Do I need an attorney or public adjuster to use your documentation?
No. Many building owners submit our documentation directly to their adjuster and the claim proceeds without a PA or attorney. The documentation is designed to be usable by the insured's adjuster without requiring additional professional intermediaries. Some claims - particularly large loss events or claims where the carrier disputes the scope - benefit from a PA or attorney working from our documentation. That is the owner's decision, not ours.
How much does insurance documentation cost?
The inspection and documentation package is a professional service with a fixed fee based on the roof's size and complexity. The fee covers the site visit, the photograph processing, the zone diagram production, the written narrative, the scope, and the meteorological record research. We provide the fee in writing before the inspection so there are no surprises. For buildings on our maintenance contract roster, inspection documentation is included within the contract scope.
Can you produce documentation for a claim that was denied or underpaid?
Yes. We produce documentation for first-time claims and for claims that are being disputed or re-evaluated. If a claim was denied or settled below the scope of actual damage, new documentation from an independent inspection can support a supplemental claim or an appraisal process. We are not attorneys and we do not advise on claim strategy - we document the physical condition of the roof and let the adjuster or attorney work from that foundation.
Do you work with public adjusters in San Antonio?
Yes. Public adjusters who work on San Antonio commercial property claims contact us regularly to produce inspection documentation for their clients. We work with PAs the same way we work with building owners directly - we document the roof condition, produce the report, and the PA uses it in the claim process. We do not act as a PA ourselves and we do not accept referral arrangements that would compromise the objectivity of our documentation.
Need insurance-grade roof documentation for a San Antonio commercial claim?
We produce the photo log, zone diagram, event vs. pre-existing analysis, and line-item scope your adjuster needs - without the inflation and without the guesswork.
Request a Roof Scope