Fake Hail Damage Roof

Home insurance companies in past years have been walloped by numerous and expensive roof claims.

Fake hail damage roof.

Many insurance companies will consider paying for a roof that has been damaged by hail but it must be correctly assessed. May be evident as the loss of metal coatings by hail scouring dents in metal roofing dents in wood shingles or shakes or broken clay or concrete tile roof coverings. In 2013 the american association of insurance services introduced a cosmetic damage exclusion to allow insurers to avoid coverage for cosmetic damage. Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting.

To combat this many home insurers have implemented different coverage levels. It s important to keep your roof in top condition to avoid structural deterioration that may cause leaks. Wind and hail damage. Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high.

Cosmetic hail damage refers to damage that does not affect the viability of the roof to perform its function. Fake roof damage schemes are becoming a serious fraud according to the 2009 questionable claims comparison report issued by the national insurance crime bureau nicb. However determining whether your roof has sustained damage from a hailstorm may be a little more difficult.