Fake Hail Damage Roof

In 2013 the american association of insurance services introduced a cosmetic damage exclusion to allow insurers to avoid coverage for cosmetic damage.

Fake hail damage roof.

Home insurance companies in past years have been walloped by numerous and expensive roof claims. However determining whether your roof has sustained damage from a hailstorm may be a little more difficult. To combat this many home insurers have implemented different coverage levels. 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.

Hail damaged metal roofing tile roofing wood shingle or shake roofs. Cosmetic hail damage refers to damage that does not affect the viability of the roof to perform its function. 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. Many insurance companies will consider paying for a roof that has been damaged by hail but it must be correctly assessed.

Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting. 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. The number of questionable insurance claims involving hail damage jumped 202 percent from 256 to 772 from 2008 to 2009 and those are just the ones that are known.