Your insurance company is federally regulated and while there is certainly subjectivity in assessing jail damage to asphalt shingles most engineering research indicates that a bruise to the matting of the shingle is necessary to assess a hail mark to a shingle as physical damage.
Hail damage roof shingles.
Hail damage to shingles.
Hail damage to roofs versus normal or typical asphalt shingle wear.
While hail damage to shingles isn t the worst thing you could find on your roof it can lead to serious problems.
Shingles with a granular texture such as those made from asphalt or composite materials may show granular loss that exposes the underlying felt random dents with no perceptible pattern and soft spots on the surface.
Hail damaged wood shingles may be completely split or cracked or have indentations that affect the long term integrity of the shingle.
As you can see on the first image below the surface granules have been knocked off of the shingle very clearly.
It takes a trained eye to spot hail damage to roof shingles.
Shingles can react differently when struck by hail.
Not the end of the world.
What does hail damage look like on a roof.
Punctures to soft roofing materials look for punctures or cracks in soft roofing materials like pvc or weathered roof patch compounds.
Hail damage to roof shingles can be very obvious or very difficult to uncover.
What does hail damage to your roof look like.
Therefore their opinion is inherently biased.
It is important to know the different effects of the damage to properly identify whether or not you have roof damage from hail.
This is always a constant battle with homeowners insurance companies as they tend to blame the damages on age of the roof shingles rather than accept the fact that there is actual damages to the shingles that not only shortens the life of the roof shingle but could open the door to roof leaks etc.
As an example hail damage to asphalt and composition shingles can look very different than hail damage to wood shingles.
Leaking and or damage to the lower layers of your roof could be next.
Hail damaged roof shingles we ve seen or which have been sent along to us as in photo form show more of a scouring effect in which larger more irregularly shaped areas of shingle surface have lost granules and thus have produced a shingle nearer the end of its product life.
Thank you for this informative article re.