Damage assessment

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Providing a Damage Assessment for property damage involves a systematic evaluation of the affected property to determine the extent, cause, and estimated cost of repairs. 

Whether you're a contractor, insurance adjuster, attorney, or a property owner documenting damage for a claim, the process generally includes the following steps:

• Document everything immediately after the damage occurs (if safe to do so).
• Identify visible damages to:
  • Structure (walls, ceilings, roof, foundation)
  • Fixtures and systems (plumbing, electrical, HVAC)
  • Contents (furniture, electronics, personal property)
  • Look for hidden damage (e.g., mold, asbestos, lead, water infiltration behind walls,. etc).
     

• Take clear, timestamped photos and videos from multiple angles.
• Include:
  • Wide shots (entire room or structure)
  • Close-ups (cracks, mold, water stains)
  • Comparison shots (damaged vs undamaged areas)
     

Provide General Information

• Date and time of assessment
• Assessor's name and contact info
• Property owner’s name and property address
• Date and cause of damage (if known)
   

Describe each affected area in detail:

• Room-by-room breakdown
• Materials affected (e.g., drywall, tile, carpet)
• Degree of damage (minor, moderate, severe)
   

• Identify the source: fire, flood, storm, vandalism, etc.
• Describe contributing factors (e.g., poor maintenance, faulty installation)
   

• Specify what needs to be:
  • Repaired
  • Replaced
  • Cleaned/restored
     

• Use itemized estimates for labor and materials
• Reference industry pricing tools (e.g., Xactimate, EagleView, RSMeans, Homewyse)
• Include contractor or vendor quotes if available
   

Attach:

• Receipts or invoices
• Previous inspection reports
• Contractor bids or repair estimates
• Insurance documents (if applicable)
  

• Stay objective; don’t exaggerate or speculate.
• Use standard terminology (e.g., "structural compromise", "water intrusion").
• Keep a copy of the report for your records and provide one to your insurer or adjuster.

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