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Not sure your comparing apples to apples. Is a hail storm a normal weather event?

IF their is no other marks. broken shingles from wind etc, granule loss in its self is not direct damage from small hail , sleet, or rain. If you think other wise and you are an insurance adjuster, we are going to send the mold police to find you as you sound like a pro molder also and we are trying to purge these adjusters who think this way from our ranks.

Randy, the mfg. state 1/3 of the weight is the crushed slate in a comp. roof 30 sgs times 240=7200 lbs divided by 1/3 = 2,397.00 of crushed slate on the roof. The insured has a half filled coffee can full from the gutters and downspouts.  Do not think so.  You will never see this happen again Orlando will never be repeated just like the Texas Mold Gold.  The mold police are also granule loss trained.

A friend of mine in Rockwall, Texas told me last week a major storm passed over his house. Tornado sirens!  Green sky!  Bottom droped out! He said the largest hailstone he measured was 3 ¼ inches, but most were just golfball sized….and the storm didn’t last too long.

 “What did it do to your roof?”, I asked.

He said there was no damage, that his roof was only five years old  He probably had some granules in his gutter.  He probably had some damage somewhere, but he didn’t see it.

I’m a little overtrained and underexperienced,  so my opinion is  worth about as much as a coffee scoop of granules,  but with two years and tens of thousands of $ worth of training, I’m getting a little fidgety waiting for work that is only the next storm away. 

Is granule loss from hail  covered?   Hail is a named peril.  If there is damage, it would be covered.  I can’t write what I don’t see, so I’d recommend we pay to repair every shingle I see that is damaged times the appropriate RDF extrapolated from a test square times the number of squares per slope. If the hits per test square reach or exceed the threshold then I'd recommend we replace the slope.   Now, if the gutters have  granules,  I don’t know which shingle(s) they came from so unless I can find a shingle with damage I can see, I don’t know which shingle to repair.  If the roof was covered in 200 lb felt and all the granules were in the gutter and on the ground, that would be an Al Gore nightmare...or a mfg. defect.  (I'm not trying to be smart...just funny.  I'm bored to death and suffering from the need to work!)

If the people I work for instruct me to replace a roof for so many granules lost per square, I’ll do that, but it probably wouldn’t be long before the ball peen hammer folks started filling their gutters up with granules.

This probably wasn’t a very good answer, but it was the best answer I’ve got.  Maybe by December my answers and my metaphors will be improved.  I apologize for being on edge, but I just quit a Union electrician job to be ready for this DFW storm.  The friend in Rockwall WAS my boss, only he didn’t file a claim so I didn’t have an estimate to write after all.  I won’t have a paycheck this afternoon either, but I’ve lots of time on my hands to aggravate the real adjusters.  You guys have constitutions of iron and nerves of steel.  I want to be just like you when I grow up.

There is another storm coming my ex-Boss's direction, but  I hear a voice from somewhere saying, "Be carefull of the storm you hope for, the claim you get may be your own!"

Randy C

The explanation about minor/moderate granule loss that made the most sense to me compared shingle granule loss to the minor/moderate rubber loss on a tire when you slam on the brakes.  Both are expected and a wear and tear issue.  You don't replace your tires because you left a little rubber on the road. 

What do you guys think about that?

Kim

Yes, but stopping your vehicle is not a covered peril. Take the same example. except you slam on the brakes, slide into the veh in front of you. Part of the collision claim will be the flat spots on the tires.

JWG

What is the differance between some catastrophe adjusters and adjusters that work regulat type losses. This topic is a perfect example.

In meto Houston most of the thunder storms come from the West and hit thousands of composition roofs on the West part of the city about 10 to 15 times per year. Most all these storms have pea to marble size hail and  many coffee cans of crushed slate granules are shown to the adjuster.

The regular adjusters who have been properly trained go out and tell the roofing salesman and the homeowner that the granule loss will not cause the early ageing process of the shingles and is an expected and anticipated event by the manufactor.  The warranty from LARGE DAMAGING HAIL is still in place.

That seems to be the drawback  for troopers  being hired to assit on  regular work. Next time you ask for a gig do not give your opine on granule loss.