XactReports

XactReports Certified & Experienced 3rd Party Xactimate Writers
Certified Insurance Appraisers & Umpires

27/12/2025

Whether it’s residential or commercial, collateral damage and proper documentation are what move claims forward. In this inspection, the roof is only part of the story. The AC fins are heavily dented, and the industrial AC cover shows clear impact as well. When multiple components show consistent storm-related damage, it supports the cause of loss. Collateral and documentation aren’t optional — they’re what get claims paid.

26/12/2025

During this attic inspection we’re seeing visible water damage and wood rot, but just as important is the roof decking itself. When decking is less than 5/8-inch on 24-inch on-center framing, it often does not meet current standards and may require supplemental decking. This is something that gets missed often, but it directly affects the performance and longevity of the roof system. Proper inspections go beyond surface damage and look at how the roof is actually built.

25/12/2025

En este techo comercial se puede ver claramente la diferencia entre daño por viento obvio y daño por viento no obvio. El daño obvio es fácil de identificar: tejas faltantes, tejas rasgadas y tejas con pliegues visibles. Pero también existe el daño no obvio, que ocurre cuando las tejas se levantan por el viento, se zafan del clavo y vuelven a caer exactamente en su lugar. A simple vista parece que no pasó nada, pero el daño está ahí. Este tipo de daño debe revisarse con cuidado, sin despegar tejas selladas y sin causar daño adicional. Muchas aseguradoras intentan clasificar este tipo de daño como mala instalación o clavos sobreclavados, cuando en realidad es daño por viento. Bien documentado, este tipo de daño se paga en el proceso de appraisal con mucha frecuencia.

25/12/2025

Merry Christmas! From our family, to yours!

24/12/2025

This was a pipe-burst water loss. We were called late at night and showed up while the homeowner and her family were actively trying to get the water out. When water is standing throughout a home, every minute matters. One thing many people don’t know is that insurance can reimburse reasonable cleanup efforts and time spent mitigating damage. Showing up quickly, documenting conditions, and stopping further damage is critical in water claims.

23/12/2025

In this inspection, we didn’t see every hail impact the same way — and that’s not unusual. What matters more than arguing in the field is proper documentation. Photograph the damage, chalk the roof, and submit clear evidence to the desk adjuster. The field adjuster often isn’t the final decision-maker, so professionalism and documentation go further than confrontation.

22/12/2025

This video shows a portion of a commercial roof inspection focused on documenting storm-related damage across the entire roof system. In commercial claims, consistency and repeatability of damage matter just as much as the individual impacts. Proper documentation is what separates opinions from evidence, especially when multiple components of the roof are affected.

21/12/2025

This is what it looks like when damage is obvious and documentation is honest. No arguing, no theatrics, no pressure — just two professionals walking a roof and calling it like it is. This is how insurance claims are supposed to be handled.

20/12/2025

I show up to every adjuster meeting.

I walk the roofs.

I document the damage.

I work the entire state of Texas.

Sometimes the most important part of a claim is simply being there.

19/12/2025

Today I walked this roof expecting to find storm damage. I found none — not from hail and not from wind. What I did find was poor workmanship and bad installation. Improperly installed pipe flashings, bad cuts around penetrations, and ridge caps made out of laminate field shingles instead of proper ridge material. This is why inspections matter. Sometimes the answer is no, and that’s just as important as knowing when to say yes.

18/12/2025

Quick check-in today.

I’ve spent the last couple of days preparing for depositions on multiple commercial claims, so I didn’t get a chance to film my usual inspection video.

For those who don’t know me — I work as a public adjuster, appraiser, umpire, and expert witness on insurance claims.

Back to regular content soon. Appreciate everyone following along.







17/12/2025

This is why garage doors get underpaid.

One panel documented = one panel paid.
Multiple panels documented = full door replacement.

When hail damage is present, proper documentation prevents mismatched panels and half fixes.

This is how it’s done.











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