Over the years, virtual reality technology has improved so much that insurance companies are starting to experiment with VR headsets like Facebook’s “fb” Oculus Rift.

On October 13, 2017, the National Flood Insurance Program (NFIP) updated the NFIP Adjuster Claims Manual by adding an addendum providing additional guidance on special adjustment issues surrounding perimeter wall sheathing. The addendum expands upon and replaces existing guidance found at Paragraph P of Section VIII of the NFIP Adjuster Claims Manual.

Tornados are the worst. Neighborhoods reduced to a lone chimney or toilet. People searching for any shred of proof – a photograph, a vase – that their homes existed.

Ice storms are treacherous. Roof inspections require Everest-type boots – and nerve.

Hail storms leave houses pocked “as if they’ve been attacked with a shotgun,” explained Jordan Wilson, who has examined the aftermath of many. In his Indiana accent, Eric Kline pronounces “hail” as “hell,” and that’s exactly where he’s been, and back.

Then there are hurricanes.