Wind 1 - No information available, insured has not seen the house, but knows there is damage. Needs FEMA letter only. Loss of Use only. Food spoilage only.
Wind 2 - Minimal damage to detached structures, contents damage only, some damage to roof.
Wind 3 - Damage to roof, missing shingles/tiles/metal with some interior water damage, but dwelling is still livable.
Wind 4 - Heavy structural damage to roof, framing, with heavy interior water damage, collapsed walls, ceilings. Dwelling is not livable or dwelling is a total loss.