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Hail Loss Inspection Report

Carrier: State Farm Claim Number: DEMO-HAIL-001 Insured: Marisol Vega Subject Property: 4218 Cottonwood Dr, Plano, TX 75024 Date of Loss: April 12, 2026 Inspection Date: April 18, 2026 Prepared By: [ADJUSTER TO CONFIRM]

1. Loss Summary

On April 12, 2026, the subject property sustained hail damage as a result of a severe weather event affecting the Plano, TX area. The north and east roof slopes sustained functional hail damage to the asphalt shingle covering, and a rooftop turbine vent was rendered non-repairable by direct hail impact. Secondary water intrusion through a hail-damaged bath vent boot resulted in interior ceiling staining in the master bedroom.

2. Property Description

The subject property is a single-family ranch-style residence located at 4218 Cottonwood Dr, Plano, TX 75024. The structure features an asphalt three-tab shingle roof estimated to be approximately twelve to fifteen years of age and consistent with an original installation; however, the precise installation date is [ADJUSTER TO CONFIRM]. Exterior cladding on the north and east elevations consists of vinyl siding. Roof drainage is handled by aluminum gutters and downspouts. The property is insured under State Farm policy held by the insured, Marisol Vega.

3. Scope of Damage

3.1 Exterior

Roof — North and East Slopes

Inspection of the north roof slope revealed approximately eleven hail strikes per one-hundred square feet within the test square, indicating a high-density impact pattern consistent with the directional path of the April 12, 2026 storm event. Observed damage includes bruising of the shingle mat and significant granule loss on both the north and east slopes. The south and west slopes exhibit no comparable impact damage, which is consistent with a directional storm track. (See Photos 1, 2.)

Turbine Vent — North Slope

The rooftop turbine vent located on the north slope exhibits direct hail damage including a dented housing and complete paint loss from the vent housing exterior. This damage is assessed as non-repairable; replacement of the turbine vent unit is warranted. (See Photo 3.)

Gutters and Downspouts — Northeast Corner

The aluminum gutters at the northeast corner of the subject property present multiple dents along the upper lip attributable to hail impact. The gutters retain functional integrity and the downspouts remain intact with straps undisturbed. Damage is characterized as cosmetic. (See Photo 4.)

Exterior Siding

Vinyl siding is present on the north and east elevations. Specific hail impact damage to the siding surface is [ADJUSTER TO CONFIRM].

3.2 Interior

Master Bedroom — Ceiling

A water stain approximately eighteen inches in diameter is present on the master bedroom ceiling, centered around the bath exhaust vent penetration. No active moisture was detected at the time of inspection, and the affected area appears to have dried. No visible mold growth was observed. The staining is attributed to secondary water intrusion following hail damage to the bath vent boot, which allowed water ingress during rainfall subsequent to the loss event. Repair scope includes drywall patching and repainting of the affected ceiling area, estimated at approximately two square feet. (See Photo 5.)

Master Bathroom — Bath Exhaust Vent

The bath exhaust vent fan housing exhibits visible rust accumulation on the flange, consistent with water intrusion through a compromised roof vent boot above. Replacement of the bath vent boot at the roof penetration is recommended to restore the weathertight condition of the assembly. (See Photo 6.)

Additional Interior Areas

No additional interior damage was identified at the time of inspection. Further rooms are [ADJUSTER TO CONFIRM] if a comprehensive interior walk was not completed.

4. Cause of Loss Analysis

The damage documented at the subject property is causally consistent with a hail event occurring on April 12, 2026. The following findings support this determination:

• Directional damage pattern: Impact damage is isolated to the north and east roof slopes and corresponding northeast gutters, while the south and west slopes remain unaffected. This asymmetric pattern is consistent with a storm track originating from the north or northeast, as would be expected in a discrete severe weather event rather than from generalized wear or mechanical deterioration.
• Impact density: Eleven hail strikes per one-hundred square feet on the north slope exceeds the threshold typically associated with functional shingle damage, indicating loss of the granule layer's protective capacity and compromise of the shingle mat.
• Turbine vent damage: Denting and paint displacement on the turbine vent housing are mechanically consistent with hail impact and are not consistent with normal weathering or aging.
• Secondary water intrusion: Water staining in the master bedroom ceiling and rust accumulation on the bath vent flange are consistent with water intrusion through a hail-compromised roof vent boot during follow-on precipitation after the April 12, 2026 event. This constitutes a covered secondary loss resulting directly from the primary hail damage.
• Pre-existing conditions: The shingle system is estimated to be twelve to fifteen years of age. While normal wear and aging are present, the observed granule loss and mat bruising are concentrated in a pattern and density characteristic of acute hail impact rather than age-related deterioration alone. Any applicable depreciation or condition adjustments are [ADJUSTER TO CONFIRM] per policy terms.

5. Recommendations

Based on the field inspection conducted on April 18, 2026, the following actions are recommended for the subject property:

The adjuster recommends that a licensed roofing contractor provide a formal scope and measurement prior to estimate finalization. Mold clearance testing is not indicated at this time given the absence of visible mold growth; however, if remediation disturbs the stained ceiling area and concealed moisture is discovered, further assessment should be ordered.

6. Photo Log Reference

This report was prepared by an independent insurance adjuster based on a field inspection of the subject property on April 18, 2026. All findings, measurements, and recommendations are based on conditions observed at the time of inspection. This report is intended solely for the use of State Farm in connection with Claim No. DEMO-HAIL-001 and does not constitute a guarantee of coverage or claim settlement.

Adjuster Name: [ADJUSTER TO CONFIRM] License Number: [ADJUSTER TO CONFIRM] Report Date: [ADJUSTER TO CONFIRM]