Originally Posted By: kmcmahon This post was automatically imported from our archived forum.
dfrend wrote:
You are right, but as in the quote from the textbook, minimal loss such as that caused by any storm has
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minimal to no impact on the life expectancy of the roof covering.
It is normal wear. That is my point. Granular loss is NOT damage. Roofs wear, fast or slow. There is no way to prevent it. And that granular loss will have no more impact on the life of the roof than any other storm.
Correct...not "damage", but the homeowner may have to replace the 25 year shingle sooner than 25 years!
In the report, I didn't mention "damage" at all...just that the overall life expentancy had been reduced.
Just posing the question here, but if it's considered "normal wear" and the shingle doesn't last per the warrantied 20-25 years, are the mfgrs. then liable for warranty or will they say it was storm damage?
Originally Posted By: dedwards This post was automatically imported from our archived forum.
At the risk of flogging a dead horse…I read and for the life of me can not find it or I would post it here. The number one reason giving for premature shingle failure is improper ventilation in the attics. The extreme heat over a period of time eccelerates the demise of the roof by the shingles being too hot for too long, softening up the adhesive on the roof, loosening the granular material which then is more easily removed by the normal wear and tear of the wind, rain and flocks of wild buzzards roosting on the ridge. I have installed a few roofs and on a hot day you can remove the granular material just by twisting your shoe on it. The shingles get very flexible and soft. Any time I see copious amounts of granular material in the gutters and/or at the base of the downspouts it is a sure sign the roof surface is shedding the protective material. I believe it is more common in the areas where the summers are long and hot and how many of us have been in attics where the temperature is hovering at 140 degrees. If I can find the “professional data” I will post it.
Originally Posted By: dfrend This post was automatically imported from our archived forum.
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Just posing the question here, but if it's considered "normal wear" and the shingle doesn't last per the warrantied 20-25 years, are the mfgrs. then liable for warranty or will they say it was storm damage?
You need to read up on the warranties. The shingles are miscalled 25, 30 50 year shingles. The fact is they will not last that long under most climatic conditions. How could they possibly warrantee a shingle in a cool climate the same as one in a hot climate. They are warranteed agianst "manufacturing defects" for the period specified, not from wearing out sooner than that period. It is a common misconception that a shingle called a "30 year shingle" will actually last 30 years. It may, but chances are you will replace at 20-25.
Originally Posted By: jrice This post was automatically imported from our archived forum.
Back to the original question, I do not have a picture but I just had my roof replaced last year due to hail damage. What the insurance adjuster looked for was dented roof vents and/or gutters. Then they look at the shingles themselves. On the edges of the shingles you could actually see the fiberglass strands hanging or poking out. They were small and hard to see at first. Then for that to be significant, more than 30% of the shingles in a 10 sq. ft. area must be damaged. According to the adjuster hail usually does not damage the center of the shingle.
Originally Posted By: dedwards This post was automatically imported from our archived forum.
Good photo…sorry I can help you with one…like I said earlier where I’m at if and when it does hail it is so small it just looks like its raining grits.
Originally Posted By: dfrend This post was automatically imported from our archived forum.
I am just glad I am not doing hail inspections anymore . After the Tornados in La Plata, MD and College Park, we had thousands of homes hit by hail that accompanied the tornados. I did about 3 or 4 hail inspections a day. Siding, A/C units, gutters, vents, shingles. Somebody was wondering why their HO insurance was so high on another thread. Maybe because people like me were paying out up to $20k a day.
. After the Tornados in La Plata, MD and College Park, we had thousands of homes hit by hail that accompanied the tornados. I did about 3 or 4 hail inspections a day. Siding, A/C units, gutters, vents, shingles. Somebody was wondering why their HO insurance was so high on another thread. Maybe because people like me were paying out up to $20k a day.