Organic shingle with obvious shrinkage. But what are the “notches” at the edges of the tabs? Three other roofers have told homeowner that this is hail damage but insurance company said it was not.
I agree with the insurance company.
From here most appears to be self inflicted (mechanical) damage.
It looks like they were chipping ice off the roof. Unless you live in Florida.
Mechanical damage the marks are to uniformed
Someone blow snow off with a small blower with chains?
Hail damage would not be specific to edges. There would be signs of impact to other areas.
Guys being in the middle of the hail belt I am going with the roofers on this one I would like to see more of the roof but the edges are the most suspectiable to damage and if one looks close ya can see the rounded splits
Hail damage is random, it would not occur only at the edges. there is mechanical damage (slices), but the damage to the edges is natural wear and tear.
Depends on the size of hail as it can and does damage the edges and not damage the open area of the shingle. I would still like to see a larger area of the roof
Looks like sled tracks and hoof prints from this past Christmas.
I am out of this one its starting out like one of Mike’s and Roy’s 5 page threads:D:D
Oklahoma style. 
Above is the wide shot of house. Its an A Frame obviously with a very steep pitch.
This photo above shows the only South facing slope (over the doorway).
Above is a wide shot of the east facing slope. Shows some past repair work. The thing that most concerned me was that this East-facing side had more of these “chips” than the west facing and in Colorado, all our storms blow in from the West / Southwest
Looks like a worn out roof to me.
Thanks for the full pic definitely not sleigh and reindeer damage on that roof. If I was inspecting that roof my call would be end of life. With the age of the shingles I would still call it as some hail dings but deterioration out scores hail damage I could very well see why the insurance company would say no hail they don’t want to pay for a new roof and also why the roofers would call hail damage they want to replace the roof no matter the reason or damage.
As an unbiased 3rd party my opinion would be partial hail damage partial deterioration due to age that is my story and I am sticking to it:D:D
Due to the severe hail storm last april, I have gotten quite familiar with hail damage. I have also been performing some insurance type inspections on occasion as well.
Damage ranges from mild to severe. The older the roof the more damage will occur from smaller stones. I had one roof that I am sure if it was newer no damage would have been found. Since you could fart and blow the grit off the shingles it was pretty obvious to find hail strikes.
Here are a few pics from slight to significant. The easiest way is looking at a stained roof. Form the photos you can see anywhere the hail strikes it knocks off grit leaving a nice bright spot.
The most suceptable places are thin metal caps and covers as well as actual shingled ridge caps. Without the firm support underneath the ridges get beat to s hit.
One yesterday morning was hard to see (last pic) since the roof was wet, but earlier when it had frost on it, every stirke stuck out easily. Since it was cold I started inside first and as soon as I lloked out the window it was obvious so I never even got on the roof.
Agree with Charley…
That’s and aged roof at the end of its service life… the hail just put the nails in the coffin.
So you would just note that it needs further evaluation and “possibly” needs replacing?
Why would I call for further evaluation If I am inspecting the roof that is what I am doing evaluating it I don’t need another opinion and I don’t use the word possible. That is wishey washey :shock::shock:
That edge damage is in the same place at each tab, right in the middle of the sides. Yes, the edges of older shingles are thinner and more fragile since asphalt at the edges of a shingle loses volatile compounds that keep shingles durable and waterproof more quickly than the asphalt in the field of the shingle. “The edges” includes all three edges of the shingle tabs exposed to weather, not just the middle of the sides.
That is not hail damage. That is roofers who don’t know what they’re talking about, or who are trying to make a buck.
And as has also been pointed out by others, that roof is at or near the end of its useful life, so from an insurance perspective the whole question is meaningless. The buyer is not going to get a new roof.