Intentional Roof Damage

Here are some examples.

Intentional roof damage.

You have an old roof 10 20 years or older the roof has not been maintained which leads to the roof damage intentional or accidental damage on the homeowner s part. Our first experience with intentional advertent roof damage was in the mid 1990s. Guys need some advice here. Wind storms in blew down a fence in my back yard i also suspected it damage my roof.

Roof damage may not be covered if. Tool and equipment damage. For example intentional roof hail damage is not randomly distributed on the roof but usually occurs in groups or lines concentrated in upper portions of the roof away from roof edges. Although you won t always be able to identify the source you can often tell enough from the damage s appearance and location to rule out hail or wind.

By intentional we mean advertent that is the damage was applied with attention and not accidently. Thus intentional damage is done by design that is fashioned created or applied according to a plan. Intentional manual damage that appears to mimic hail damage is comprised of man made indentations and or surface marks. The indentations or surface marks are mechanically made with a tool or other hard object.

Impact angles of the tool or object are nearly perpendicular to the affected roof slope therefore indicating multiple impact directions figure 10. A homeowner might have sustained some damage to a roof during a storm for example but when a contractor inspects it to provide a repair estimate they often inflate the damage or actually cause more damage to obtain a higher payment from the insurance it isn t just contractors who perpetuate the fraud. Some of our evaluations have concluded that the damage was intentionally applied in a fashion that appears to mimic hail or wind damage.