After the storm, Yellowbird engaged Premier Claims, LLC to assess the damage. Their estimate placed the total repair cost at $141,095.86, citing extensive roof damage and water intrusion. Erie Insurance, in turn, hired an engineer who concluded that while the tornado had damaged the roof, the “majority of the water infiltration and water intrusion” did not result from the tornado. The insurer offered to cover only isolated patch repairs, valuing the work at $3,204.77, and after applying a $2,500 deductible, calculated its payment at $704.77.