HAIL DAMAGE? INSURANCE ADJUSTER SAYS YES

[adjusteracademy]

I just wanted to say thank you for this video. it has allowed me to show my students exactly what not to expect out of hail damage to a comp shingle. This is obvious varmint damage and not hail damages. in addition, if there was any chance that the size of hail that this video indicates was possible, the vent right behind Bob would have been smashed.

[darinrjohnson1]

totally not hail.  Can't believe the insurance guy bought it.

[dtr0005]

Being an insurance adjuster with more years than I care to mention under my belt, this truly doesn't look like hail. With "brusing" this size, you would expect damage throughout the shingle plane and not just on the edges. The size of those bruises would have caused broken window glass and would have destroyed any car parked in the drive way. Hail doesn't just "pick" the edges of composite shingles to damage.

[HomeRemodelWorkshop]

@dtr0005 What would you consider to be a reasonable cause of this damage? Could the damage (size of bruises) have been more minor then increased deterioration over time? Thanks in advance! +++Bob

[retnuhleahcim]

not hail. sorry broseph. of course a roofer would say its hail.

[retnuhleahcim]

@rosshfreeman what are you like an insurance adjuster or something? if a roofer says its hail, its hail. ive been roofing in dfw for 30 years. ive probably been a roofer longer than you have been alive.

damage was 2 yrs ago? acv only son!

[thebigcheese5359]

Why are all the damages on the same place on each shingle?

Bob, doesn't that seem less then random?

[HomeRemodelWorkshop]

@thebigcheese5359 Are you suggesting a possible manufacture defect? Not all nicks were in exactly the same place nor was it only in one area of the roof.+++Bob

[TMRestorationServ]

@HomeRemodelWorkshop I can say without doubt that alot of that damage was mechanical. the "knicks" that are all in the same spot on the edge of the shingle are exactly that, "knicks," that where probably caused by something hitting the edge of the shingle bundles before the were even installed on the roof. In my professional opinion I bet upon closer inspection a HAAG certified inspector such as myself could have found damage that was manufactured.

[HomeRemodelWorkshop]

@TMRestorationServ So what you are saying is the original installation of roof was flawed or the shingles were damaged in some fashion during handling/shipping prior to installation. Could this damage not have been noticeable to homeowner and deteriorated more quickly than rest of roof?

[HomeRemodelWorkshop]

@rosshfreeman Ok What causes wear and tear like this? If it is excluded you must know what "IT" is that would cause wear and tear. +++Bob

[yoyo762000]

Hilarious! I have never seen hail damage that looked like that. He must be one of those door to door sales people that thinks everything is hail damage.

[aringoth]

Most insurance companies will have an exclusion for damages that happened past a certian point. In most common cases, this is a one year exlcusion, but it could vary.

[sundanceroofing]

I can't believe how many people will make conclusive comments about this video without being there. I agree with a lot of the skeptics, but would encourage them to be less harsh about it. Just the same, I think the video is well produced and very useful as a customer demo and marketing tool. Whether or not there was fraud on that particular roof is an intriguing but useless debate to most viewers.

[ramonesmuchacha]

This is DEFINITELY NOT hail damage. 1st of all, hail isn't gonna look like someone pulled pieces off of every corner or side. This may be animal damage if not roofer damage. I don't see any center hits in your video. Hail is non judgmental and will hit pretty much anywhere including the dead center. Most storm chasing roofers will claim just about anything to be hail even if the roof is a 30 yr lam that is less than a yr old that was hit by pee sized hail.

[themountainzg]

Wow this is so amazingly false .... the edges are not the most susceptible part of a shingle

[skintbackoutdoors]

This is a crock.  Visit HAAG engineering. this guy is an a crook.

[Sparkmansongs]

Definitely not hail damage! Your Roofer suckered you, you suckered the lady, the lady suckered her insurance company, and the insurance company suckered the roofer with underpayment. The only two that made out like bandits were the independent adjusting firm and the homeowner that didn't have to maintain their property...

[AmericaFukYeah]

This IS damage caused by animals (typically squirrels digging for seeds). This is absolutely not hail. An experienced adjuster would know the difference. Most roofing contractors will of course claim this to be hail, in an effort to make the sale. This is not intentional damage, nor is it a manufacturing issue. It is animal damage. Please don't listen to 'advice' from individuals who are attempting to profit from you.

[TheSolebomber]

just found out that one of our competitors uses a ballpeen (sp) hammer to simulate hail damage - wonder if thats why the vent isn't damaged at all hmmmm ???

[HomeRemodelWorkshop]

@TheSolebomber In this case, the damage was found completely by accident. If someone had done that they sure did'nt follow up to get the job+++Bob I would also find it hard to believe in this tight neighborhood anyone could get away with that.

[yamyrider]

@TheSolebomber And actually the most susceptible area on an asphalt shingle is located approximately 2/3rds of the way up from the bottom of the shingle due to the unsupported area of the shingle. The damage shown in this video clearly was intentional.

[HomeRemodelWorkshop]

@yamyrider How do you suspect the damage was caused? Not that I agree,just wondering.+++Bob

[yamyrider]

@HomeRemodelWorkshop Honestly I would have to do a thorough inspection of the entire roof. Judging by the locations of the suspected hits, there would be would also be indications of the hit to the adjacent shingle and I don't see that in the video. Hail that caused those hits of that size would also be evident in the center of the tab as well. Also, judging by the color of the suspected hit, the asphalt looks to black to be an old hail impact. Older impacts tend to be light gray.

[yamyrider]

@HomeRemodelWorkshop And I also agree with some of the other posts. Maybe not intentional damage but possible squirrels or some other animal. Could even possibly be a manufacturing issue.

[rramos584]

@HomeRemodelWorkshop this was caused by a bird or squirrel trying to get to the debris or seeds under the shingle. not hail damage. awful, unproffesional, and uncredited video....

[HomeRemodelWorkshop]

@rramos584 I thought I told a pretty accurate story of what happened, the roofer the adjuster and the settlement. Since I made not a dime from this and stirred such a lively debate as to cause and disposition of this issue I consider it a success Sorry if you don't feel the same.+++Bob It surprises me that if this were animal damage that it would not be covered by insurance anyway.

[MrSolebomber]

hail that can do that kind of damage to the shingles would definetly do damage to the vents at any temperature - and after 46yrs of our family being in the business of Roofing and siding I've never seen "squirrel" damage to the shingles - rafters yes shingles no

[TheSolebomber]

amazing that the aluminum vent behind this guy wasn't damaged by hail ???

[HomeRemodelWorkshop]

@TheSolebomber I too was surprised by the lack of damage to other parts of the home.  I was'nt sure if this may have been due to the temperature of the shingles when hail made contact with them, maybe making them more vulnerable???? Could be varmit damage as alot of other people suspect.+++Bob

[Maximonious]

Tis legit...

I just finished my Insurance Adjuster licensing class... Small damage now can turn into large damage later... fix it now...

[jagtube2007]

ADJUSTER FOUND 10 HITS PER SQUARE- BOTH SLOPES. ADJUSTER TOTALED THE ROOF...NOT BOB, NOT SQUIRRELS, NOT THE HOMEOWNER.

[toonarenos]

@jagtube2007 , EXACTLY! The Adjuster made the call. Everyone Else just brought it to his attention.

[blacknblue2ful]

This guy is an idiot! A new $10,000 roof for a few dings. How do we know that some big clod wasn't up there waling around.

Plus looking at the roof, the shingles look fairly new and that roof would probably live out the rest of its 20 years without any leaks.

Odd that roof claims have gone up over 400% but weather hasn't changed. It is a new profit stream for roofers and it costs all of us homeowners money.

[HomeRemodelWorkshop]

@blacknblue2ful Probably, is a pretty precarious word when everything you own is below ,  Water damage can cost WAYYYYY more than the roof repair did. +++Bob

[4myskivideos]

Squirrels. PERIOD.

[4myskivideos]

Change the title to varmet damage. THIS IS NOT HAILDAMAGE

[4myskivideos]

This is so obvious it is not hail damage. Hail does not only hit edges of shingles only. Your first clue. Also the guy has no collaterral damage.

I did see this one time on an estimate. The adjuster told me he was going to go down and ask homeowner if he has had problems with varmets. Sure enogh the homeowner explained he had alot of trouble with squirrells in the past couple years. The adjuster informed me they were going to pay for the roof under "VARMET DAMAGE"

[big10bill]

WRONG AND MISLEADING!!! I have been inspecting roofs for more than twenty years and I have had this specific damage caused to my roof and I watched the darn squirrel doing it. They chew the edges of the shingles to get at maple seeds (helicopter seeds) that blow underneath the edges of the shingles. Your roofer and adjuster are simply ignorant on the subject. Hail doesn't remove sections of the shingle like the gnawing of a squirrel does.

[dallas1028]

No it is hail damage. Ive been doing Insurance Restoration for 10 yrs. Im from Dallas trust me. You can clearly see the bruising also on the tabs too! Although squirrel's are known for chewing on Lead Boots on top of roof, but not shingles.

[TheReaper09]

Ive worked lots of hail storms. The damage shown at the begining of this video is not hail damage. Cant tell about the damage shown at the end because the camera is moving to fast.

[paloha1]

It's squirrel damage. I have seen it plenty of times. Hail doesn't chew out the keyway of the shingle. Hail is an IMPACT and will leave a bruise to the shingle.

[mkprofit1]

Check the vents.If they are dinged,you had hail.....OR A SQUIRREL WITH A BALL PEEN HAMMER!!!

[lawlessm1]

What an outstanding insurance company this nice lady must have! It is so unbelievably rare these days to find an insurance company so willing to do the right thing for one of their valued clients. If feel so sorry for the single widowed old ladies who have legitimate hail damage to their roofs, but get denied simply because the insurance company knows that they are statistically less likely to put up a fight. This video should be an example for good adjusters to begin recognizing these facts.

[JStrummer1]

I've inspected over 8000 roofs. Send your video to Haag Engineering and get their diagnosis. They will tell you it's rodent damage. Also order their field guide to roof inspections

[carribbeandreams2004]

HAAG Engineering prostitutes itself out to insurance companies. Which means you must be an adjuster. Google HAAG and State Farm insurance. Read the story on $9,000,000 in Punitive Damages plus $3million actual damages awarded to a couple who were ripped off by State Farm which was backed by their HAAG Engineer.

[4myskivideos]

@JStrummer1 I AGREE!!!!!!!! Seen this myself too. Only once. I remember scrathing my head saying "something did not make sense here. That is when the knowledgable Statefarm adjuster told me about squirrel digging for food. Adjuster told me he was going to ask homeowner if he has any squirrell problems. Stating also, if he did confirm squirre problems he was buying the roof. Got it bought for varmet damage!!

[JStrummer1]

That's squirrel damage, not hail damage

Good thing for you your roofer and adjuster don't know what they're looking at

[HomeRemodelWorkshop]

I looked on the internet for others with this experience and was not able to find any,I would have to believe this is a rare thing or as you said in your earlier comment alot of misdiagnosis going on+++Bob

[menstruatingorchid]

@JStrummer1 -This is exactly the type of damage I look for when I inspect a roof before filing a claim for a customer.This method is 100% accurate.Also any loose granules or bald spots indicate a hit.Look for the shining fiberglass backer showing too.

[JStrummer1]

Squirrels dig out airborne seeds from the key ways of 3 tab shingles. If you have any of those shingles left, look at the teeth marks where the squirrel gnawed away at the shingle to get the seed out. I notice NONE of the butt end of the shingle has those nicks. Why would chunks be missing ONLY from the sides and not the butt ends when those areas are just as "susceptible to damage" as the keyways? She will have that damage again the next time the tree close to her house launches its seeds.

[HomeRemodelWorkshop]

Actually there were butt-end damage also,but that being said I have never heard of this.Have you had personal experience with this? Is this common in the part of the world you live in?+++Bob

[dergrossen]

Would I be right in thinking that under the shingles is boil proof plywood? Or spelkboard? I am from the UK, this type of roof is rare here.

[HomeRemodelWorkshop]

Even though this roof is way undersloped,probably a 3/12 This is a very typical roof type here.We have sheating grade plywood and spacers designed for roof use.I have never heard of a boil rating or spelkboard I will try to investigate them to see if we are talking about similar materials Thanks==Bob

[MANTIS7198]

Very interesting. In Tucson there are many roofs of tile. Would hail damage be similar (to shingle damage), and what should a homeowner be aware of? Thanks!

[HomeRemodelWorkshop]

I am not that familiar with tile roofs,but I am sure that different types of tile roofs and what material methods they are installed with would affect impact resistance,If I were choosing a roof type I would definitly check the best available for the weather conditions where I would be living.If I were looking for a house to buy,I would consider maintenance cost to repair as a consideration.Sorry I could not be of more assistance===Bob

[nolanbowling]

Was she having any leaks in the house before the fix?

[HomeRemodelWorkshop]

No!There was no clue from the inside that a problem existed on the roof! I am sure that if the shingles were allowed to deteriorate much more a leak would be coming soon.===Bob

[nolanbowling]

Yeah, those where looking pretty rough. Nice information Bob.

[carribbeandreams2004]

Bob in the HAAG Engineering Field Manual that I own in the Hail Damage section it states that unsupported shingle edges are very susceptible to HAIL Damage. That would be the ends where adjuster JStrummer1 says squirrels like to chew out seeds. I am also an adjuster, roofing salesman and HCRI. I wonder if JStrummer1 knows what HCRI means?

[4myskivideos]

@carribbeandreams2004 NOT hail. Pretty simple. Bob never mentions collaterral damage. I got a roof bought for varmet damage..... Which is covered under insurace. A claim, yes. Hail claim, absolutely not!

[nestorrfortuna]

thanks for your videos, always informative.

i am a roofer in canada.

and i see that very frequently, it saves a lot of money to the owners when the insurance steps in.

keep the good work