Real Life Case Study - Old and New Shingle Damage

1,050 Views | 4 Replies | Last: 7 days ago by JP76
Jason_Roofer
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OK, maybe it's not interesting for everyone, but I don't always get to see this in a single extreme example.

Here is why you care about a hail and also why your insurance company cares. If you get hail that makes you cringe because you are worried about it messing up your car, you should have yourself (if you're into that) or a qualified professional assess your home just in case.

This roof in Medina, TX has 2017 hail damage and 2026 hail damage with some intermediate storms as well. 2026 was golf ball and smaller hail, 2017 was algorithm assesses at 3.5". It's interesting because it shows how hail damage manifests itself with time. The new damage is simply dark spots in the photos. These are actually bruises and if you examined the matting underneath, you'll see fractures. Since that fiberglass mat is now exposed to the sun, the UV begins breaking it down and as it does, more grains fall off, more mat is exposed, and so on and so forth until fiberglass quits, and eventually a full on hole forms. Granules on shingles aren't just for good looks, they are the main line of defense from UV.

This customer was told by a roofer in 2017 that the damage was bad and he only has 3 months to make the claim. This is a lie. He hoped to scare the customer into a get it done quick sale. Except the customer didn't have time to deal with it right then and there. When he had time to do something about it 5 months later, he assumed the roofer was telling the truth and that his time expired and he did nothing.

This one is covered now, so no harm no foul in the end but it should have been replaced in 2017. If he didn't get a hail storm, he might be in a bind having to pay it out of pocket when it started failing, which it has.

NOTE: Old damage manifests itself quick on unsupported places like ridge cap which is why it looks so bad there. In field shingles, the damage is exposed white fiberglass that has not fully formed a hole. The field shingles in those spots are no longer shedding water but absorbing it.

Why does it matter? If this customer had experienced a roof leak or mold issue at any time, there is a chance insurance would see that old damage and deny the claim completely. No roof coverage, no water damage coverage, no mold remediation...he might be in trouble.

So enough of that, here are the pics...

Yellow: New damage
Red: Old damage

Full Disclosure: This roof has been subjected to several hail storms, but the 2017 was severe with a duration of 5 minutes and the 2026 was 8 minutes with smaller hail and it's easy to identify it vs. the in between storms. This is a 18+ year old roof. New technology with materials and production will lend itself to a better performing roof if it's new.







Thanks for listening to my TED Talk.
Absolute
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AG
Good info Jason!

They got lucky. I'm dealing with a Relative's house in Missouri who passed. The roof is the same age, but the shingles are so far gone that hail really cannot be proven. Even though we know of storms. All of the vents and such are plastic, so limited metal to show hail. Insurance denied it. Honestly, not completely unreasonable given the condition. So we get to eat a roof to get it sellable. Luckily it isn't huge.

She just didn't know any better and I never really gave it any thought.

As a Realtor and Inspector, I totally agree with your post. If you get hail, be proactive and get checked. It sucks, but waiting will usually just cost you more. There are enough honest, quality roofers around that we professional know, that you can get trustworthy advice. Just don't use someone who knocks on your door.
Jason_Roofer
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That's unfortunate. If you have a valid hail date within the past year, and you physically know that hail of that size fell onto your roof, this might be a great candidate for appraisal. There are means to force the hand of carriers that don't want to do what they are paid by the homeowner to do. It's good because they don't have to take a roofers word for it, a licensed adjuster who works for you will be telling them. I have had to utilize that pathway with a considerable degree of regularity over the past three years.
NoahAg
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Thanks Jason. You really do seem like one of the "good ones."
A couple years ago a hail storm came through and nearly everyone on our cul-de-sac filed claims and got new roofs. Our neighborhood was full of new roofs. Not us, though. We, and our 2 neighbors on each side were denied. Video didn't matter. Damage didn't matter. 2 roofers showing the damage to the adjusters didn't matter.

I hate insurance companies. All of them.
JP76
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What insurance company ?

Allstate ?

Farmers ?
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