Common interior scope gaps
- Ceiling stains not correlated to roof damage above
- Wall-cavity moisture undocumented
- HVAC contamination unassessed
- Attic water intrusion unphotographed
- Contents damage underrated
- Hidden damage behind walls / cabinets
Why interior gets missed
- Field adjuster time-pressured on exterior
- Owner not present to point out interior damage
- Access issues (attics, crawl spaces)
- Assumption that "if the outside is OK, the inside is OK"
Documentation for interior scope
- Room-by-room walk-through with adjuster
- Thermal imaging
- Moisture readings
- HVAC assessment
- Attic access and photography
- Contents inspection
When interior damage is discovered post-inspection
- Document with timestamps
- File supplemental claim
- Cite the original event as source
- Link interior damage to exterior storm damage