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Hail Damage Visibility

Subject: Hail Damage Visibility

 Let's talk about hail damage... I have been pondering recently whether or not it is actually true that the hail damage will be visible in 6 months if it is not visible during my current inspection.

I have seen these idea passed around recently and want to have further discussion and input.

Now, as a young adjuster, I went out on a re-i request 3-4 months after my initial denial of hail damage and did find hail damage to warrant repairs to the roof. Was this because I was not thorough enough at the initial inspection? Or was it simply that the damage could not be found?

I have even used this idea as a way to pacify homeowners if they weren't happy with my denial, actually believing what I was telling them (because of the above scenario).

I was particularly disturbed the other day when a roofer met me at a loss and after we scoured the roof the best we could, we found NO hail damage except to some box vents. He had called the claim in for the homeowner claiming hail damage to the roof. After I told him I wasn't buying it, he flippantly said, "wait 6 months, the next adjuster will." That upset me for so many reasons which I know you felt in a visceral way as you read his comment to me.

I guess what I really want to know is, if I look hard enough the first time, can I find that same damage that will possibly show up 6 months later? If I can, how much harder are we talking? An extra 5 minutes per test square? And extra 30 minutes?

I would really appreciate any comments or suggestions or thoughts anyone has on this, from any side of the proverbial fence.

Just do me one favor... let's not get all partisian or flaming here. I like my topics to stay friendly. :-)


Source: Forum Archive Post made by fivedaily - 193 Replies

Measuring a Roof

Subject: Measuring a Roof

 Discussions related to measuring a roof.

Source: Forum Archive

Is granule loss considered hail damage?

Subject: Is granule loss considered hail damage?

A very popluar discussion with 228 replies and over 19,500 views.

First Post:
"There are lots of opinions on this question and they come up at every hail storm. What is your opinion? Please elaborate for those who might be on the fence."


Protocol for Assessment of Hail-Damaged Roofing

Subject: Protocol for Assessment of Hail-Damaged Roofing
"A protocol has been developed for assessing hail-impact damage to steep-slope roof systems. The protocol includes a definition of hail-caused damage to roofing, a detailed field inspection procedure, and a calculation method for determining repair or replacement of hail-damaged roofing materials based on economics. This paper limits its discussion to asphalt shingles and wood shingles and shakes, although the general principles can be applied to other steep-slope roof systems. Hail damage is quantified by examining test areas on directional roof slopes to determine the number of damaged shingles/shakes per roofing square. The difficulty in making roof repairs is incorporated via a repair difficulty factor. Finally, the decision to repair or replace hail-damaged roofing is made on an economical basis by comparing expected costs to remove damaged shingles/shakes versus costs to replace roofing on entire slopes."
    Haag Engineering
    Carrollton, Texas, U.S.A. 

Source: NRCA
Related FileProtocol for Assessment of Hail Damage


Listed below are some links to other blog post and articles on other sites.

Dimechimes ClaimSmentor Adjuster Information Blog 
 Organization Chart for the Claims Handling Blame Game- A Humorous Graph -A Serious Look at Claim Bad Faith Issues
 On the page the above link takes you to you will find links to some of her other articles at the end of the above article.

Article written by John Postava
On the Ryze Claim Solutions webite

You can find additional post from John and Dimechimes in the CADO forums, they have made many post over the years contributing to the community by sharing their knowledge and experiance.

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