Types of Loss/Commercial/Storm & Wind

Wind Exploits the Building Envelope. Rain Follows the Path In.

Wind-driven rain can move through failed roofing, flashing, windows, wall systems, and penetrations, creating damage far beyond the initial point of entry. Atlas develops commercial scopes that trace the path of water, separate affected systems and areas, and account for the work required to restore the building.

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The Process

Wind opens a building where the envelope changes material: the roof edge, the curbs, the window heads, the sealant joints, the wall penetrations. Water that gets in spreads across the roof insulation, down the wall cavity, and into the floors below long before it shows. Atlas writes the roof from the roofer's core cuts and infrared findings, as a system rather than a patch, writes the wall and window damage opening by opening, and traces every interior area back to its point of entry, in one Xactimate® estimate from a measured sketch.

Where Scopes Come In Short

Membrane, Insulation, or Deck

Core cuts say which layers took water and whether the deck under them is sound. Saturated insulation under a membrane that looks fine is usually the largest line on the roof; a rusted or rotted deck is its own layer, written by the square foot with the shoring and the engineer's inspection that go with it. And code, not preference, decides recover versus replace: the layer limit sets whether tear-off is in the estimate, and tear-off changes everything under it.

Every Opening Is a Detail

Each rooftop unit, vent, pipe, and drain has a curb or a boot that wind can open. Each window head, storefront frame, curtain wall joint, and wall penetration has a flashing or a sealant joint that does the same. Each is its own line. A building with forty openings has forty details, and the estimate names them.

Edge Metal and Coping

Perimeter securement is written by the foot and is what usually decides whether the roof is a repair or a full-system replacement. Where it's the system, it's the whole roof, not a section to the nearest seam.

The Interior, Traced to Its Entry

One breach at the roof edge wets ceiling tile, insulation, and finishes across several suites. One failed window head wets the wall cavity, the insulation, and the finishes two floors down. Each suite is written on its own, and each area is tied to the opening it came through.

Code Note

Envelope work at permit brings the roof to current wind-uplift, edge securement, and energy-code insulation requirements, and replaced glazing and wall assemblies to current energy and impact provisions. Each upgrade over what was there is written on its own line.

What Comes Back

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The roof written as one system, the wall and window damage written opening by opening, and each interior area tied to its point of entry, top down and trade by trade. Photo report by roof area, by elevation, and by suite. Measured sketch.

Other Types of Loss

Ice Dams & Frozen Pipes

Residential

Roof & Snow Load