SEVERITY 1: Minor interior/exterior damage, roof damage less than 25%, Minor fire, light smoke 1 to 3 rooms lightning to A/C
SEVERITY 2: Roof damage > 50%, moderate fire damage, smoke more than 3 rooms, water damage to 2 or more rooms, lightning damage to A/C or appliances
SEVERITY 3: Structural damage; Extensive smoke / fire / water damage; building untenantable
SEVERITY 4: Extent of damage, from whatever covered cause deems building a constructive or obvious total loss