Hail Damage Visibility

CADO Admin
Subject: Hail Damage Visibility
Description

 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. :-)

Jennifer


URL: http://www.catadjuster.org/forum2/topic.asp?TOPIC_ID=618
Source: Forum Archive Post made by fivedaily - 193 Replies

Measuring a Roof

CADO Admin
Subject: Measuring a Roof
Description

 Discussions related to measuring a roof.


URL: http://www.catadjuster.org/discus/messages/4079/4385.html
Source: Forum Archive

Is granule loss considered hail damage?

CADO Admin
Subject: Is granule loss considered hail damage?
Description

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."


URL: http://www.catadjuster.org/forum2/topic.asp?TOPIC_ID=366

Protocol for Assessment of Hail-Damaged Roofing

CADO Admin
Subject: Protocol for Assessment of Hail-Damaged Roofing
Description
Excerpt: 
"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."
 
By: TIMOTHY P. MARSHALL and RICHARD F. HERZOG
    Haag Engineering
    Carrollton, Texas, U.S.A. 

URL: http://docserver.nrca.net/pdfs/technical/6854.pdf
Source: NRCA
Related FileProtocol for Assessment of Hail Damage

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