How do I identify hail damage on shake shingle roof?

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We have scuff marks on our shake shingle roof from a hail storm, is this considered hail damage? The hail was large and sustained for about 10 minutes. We have these same scuff marks on our fence and dents in our metal patio cover as well as circular cuts in our hot tub cover. The insurance company is covering the metal patio roof and hot tub cover but said the scuffing although unsightly is not considered damage.



Comments

  1. Handy but Perplexed says:
    July 31, 2009 at 10:20 am

    This is hail damage! It is counter-intuitive to believe that hail will damage the fence, thin metal patio cover and hot tub cover but not the roof. Hailstorm damage is similar to hundreds of mini-ball peen hammers hitting your roof. The hail hits the shakes and causes small indentations that 1) impair the ability to rapidly shed rain water causing the roof to remain wet longer and shorten the life expectancy. 2) crush wood fibers which weaken them and make them more susceptible to premature failure thus depriving you of life expectancy.
    Your Adjustor is most likely under a company directive to cut their severity(dollars paid out on claims). I’d call the adjustor and politely go over the above. I would also buttress this discussion with a statement that the purpose of insurance is to restore you and your property to a pre-loss condition(Indemnity) and you did not have these scuffs prior to the hail storm. Hope this helps!

  2. frank b says:
    July 31, 2009 at 10:20 am

    the best way to determine if you have damage is to have a roofing contractor look at it , they will do this at no charge

  3. hillbillynamedpossum says:
    July 31, 2009 at 10:20 am

    if the roof dont leak, then it ain’t damaged. the scuff marks will go away in time. by the way, wood shakes are split out of a billet of wood and shingles are sawed out. there is no such thing as shake shingles. they are either shakes or shingles.

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