Originally Posted By: dfrend
This post was automatically imported from our archived forum.
Guys, coming from a position with State Farm that required me to be a hail expert, I urge you to be very careful about calling that hail damage to any client. If you see torn shingles, maybe, but be very careful.
The reason: when you say it is hail damage, the current homeowner is probably going to call their insurance company who will tell them that the granular loss is NOT hail damage. They will not pay it. The client is then going to think you do not know what you are talking about.
The reason that is not considered "damage"? Because storms are expected, many severe, throughout the life of a roof. Severe storms will have effects like that. According to research by Haug Engineering, that loss does not severely shorten the life span of the roof. Haug testing has revealed that it takes in eccess of 1/2-3/4" hail to damage most shingles to the point of affecting the water resistance.
Daniel R Frend
The Home Inspector Store