Large Loss Hail – Front Range Christian School Campus – Colorado

The above picture is of the scoreboard at Front Range Christian School
Front Range Christian School

This beautiful campus was damaged by hail and entered into appraisal. The real interesting portion of the claim, from my perspective as umpire, was how different the hail and wind affected the two buildings.

Complete was called out to review the damages to the church in the appraisal process where I was agreed to as umpire by both appraisers appointed to the accompanying lawsuit. One of the benefits to providing appraisal services in Colorado is that DORA Colorado Dept of Regulatory Agencies  governs the process with the Uniform Arbitration Act, §13-22-201 et seq., and in particular, §13-22-211 (2). This code calls for appraisers to be independent and competent and the umpire to be unbiased. This, and a little luck, and we might get some work done! I love working in sate with rules – it keeps out the riff raff.

The picture above shows a white temp repair installed to keep water out of the building until repairs could be agreed
Large temporary repair on leading edge of campus building

The high school was top-notch construction: first class materials and less than five years since commissioning. The high school being of recent con struction looked like the day it was built. Hail resistant coverings and thicker gauge materials are making a huge difference when it comes to resiliency during a hail storm. In heavier storms with both elevated wind speed and larger size of hail it is not going to make a difference especially in the most severe conditions. But in a severe (but not horrific) hail storm newer, better built materials and techniques are going to make a huge difference.

The above picture shows the football field where the bleachers were overturned by the windstorm
Front Range Christian – Sports Complex

The other was a converted 35-year-old shopping plaza. The shopping plaza portion was, I am sure, serving its purpose as a building but a nudge by Mother Nature and then Katy bar the door. The storm blew a 2,000- 4,000 s.f. section of the roof up allowing wind to enter under the membrane and tearing the seams, allowing water into the building. We had 39 air conditioners circa 1983 that looked like they had been through a sling shot competition between 20 12-year-old kids. Looking at the damage it was obvious that some of it was recent but some of this damage was occurring over the last three decades. Putting a value on that type of damage requires careful attention to the most cost effective and appropriate-to-the-damages fix. Does the entire unit require replacement as result of that damage? If the unit is on the edge of being obsolete, is it still working and is the efficiency diminished? These are the challenges of an appraisal, especially in the west where buildings are going to get hail storms periodically the way hurricanes come to the Gulf and Eastern coastlines. The schools had a certain amount of interior damage and we were able to get agreement on these prices without too much difficulty through these photos:

 

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