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We are Claims Specialists with former licensed insurance adjusters on staff to help guide you through the claims process.
Hail stones will sometimes physically bruise or break the fiberglass mat on the shingle causing the shingle to fail and ceasing its ability to function properly. Most often, we see an impact mark which normally resembles the look of a star pattern, as the impact area was hit with such a force, the hail stone disperses from the impact mark out. UV rays from the sun will break down the open fibers, eventually causing a multiple leaks on the surface of the roof. This is why insurance companies are compensating for the loss because in time they would be replacing many things inside the home. Those items could include sheetrock, paint, insulation that has been saturated (mold), electronics, hard wood floors, etc.