Denied Claim Re-Review Framework™

Photo Density Protocol™

Insurance-grade documentation standards designed for desk review, reinspection requests, and claim verifiability. Not a roofer opinion. Forensic output.

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A / Required Baseline Set

  • Property Context: 6–10 photos. Elevations (Front, Rear, L, R), address verification, and "whole property" context.
  • Roof Overview: 8–16 photos. Ground-to-roof angles and perimeter walk shots. Capture high-level patterns like streaking.
  • Mapping Plan: 4–8 photos. One "map set" labeling slopes (Slope A, B, C, D) is mandatory for desk adjuster readability.

B / Slope Documentation

  • Overview: Wide shot (full plane), Mid-range (field + ridge), Close-range (texture).
  • Test Squares: Min 2 per slope. 10’x10’ marked boundaries. Must include a "proof photo" showing measurement.
  • Macro Set: 4 corners, 1 center, 2 diagonals, 1 macro w/ scale, 1 fracture indicator.
  • Transitions: Ridge caps, Valleys, Step flashing, Pipe boots. Wide + Close.

C / Soft Metal Corroboration

REQUIRED WHEN HAIL IS ALLEGED

  • Gutters: Wide run + close-ups every 15ft + endcaps.
  • Downspouts: 2–4 close-ups per run.
  • Vents/Turbines: Wide + Close + Macro of dent.
  • Rule: Label every photo (e.g., "Front-left gutter"). Include "clean" control areas.

D / Drone Documentation

  • Nadir Grid: 4–8 straight-down shots for full mapping.
  • Obliques: 6–12 shots showing slope planes + ridge lines.
  • Details: Close-ups of inaccessible zones.
  • Drone photos must serve mapping and verification, not just aesthetics.

E / Hit Density Reporting

  • Identify: Slope Name & Location (e.g., Slope A, Upper Field).
  • Count: Record "reportable impacts" inside the boundary.
  • Deliverable: "Hits per square" documented with matching photo set.
  • We report density; the carrier applies their guidelines.

F / File Structure

00_Property_Overview/ 01_Slope_A_Front/ 02_Slope_B_Rear/ 03_Slope_C_Left/ 04_Slope_D_Right/ 05_Soft_Metals/ 06_Drone_Map_Set/ 07_Test_Squares_Log.pdf
Example_Filename_SlopeA_CornerTL.jpg
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