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Determining Hail Damage Best Answered by Adjuster, Roofer
Missouri Ag Connection - 05/19/2017

Spring storms can bring strong winds, tornadoes and large hail that damage home roofs.

"Be wary of out-of-town roofing companies that offer free roof inspections but leave you still wondering if your home has hail damage," said Bob Schultheis, natural resource engineering specialist, University of Missouri Extension. "That question is best answered by an insurance adjuster, since all companies can have somewhat different standards."

According to Schultheis, insurance adjusters are usually looking for missing granules on the asphalt or fiberglass shingles, relative to the expected life of the shingles.

The number of dents in the metal roof vents is also a good indicator of hail amounts and size.

"The insurance company may have a formula, like 10 verified hail hits per 100 square feet, that determines their declaration for a roof replacement," said Schultheis.

A hail hit on a shingle looks like a bruise or a dark spot where the granules on the shingle have been knocked off, exposing the asphalt underlayment and sometimes the fiberglass mat.

New hail hits will have a shiny appearance, because the freshly exposed asphalt has not had time to weather to a dull color.

"The best results for the benefit of the homeowner seem to be obtained when an experienced roofer walks through the inspection with the insurance adjuster and calls to the adjuster's attention any damage that he sees," said Schultheis.

For links to disaster-related resources from MU Extension, including publications, news, feature articles and videos, see http://extension.missouri.edu/n/2492.

University of Missouri Extension programs focus on the high-priority needs of Missourians to improve lives, communities and economies by providing relevant, responsive and reliable educational solutions. MU Extension programs are open to all. More information on this topic is available online at http://extension.missouri.edu.

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