In some occasions, homeowners and fraudulent roofing contractors will intentionally damage roofing materials to mimic hail damage. They used this as a basis for a hail damage insurance claim. These are a good example of fraudulent actions to deceive insurance companies to get a new roof. Homeowners may want to replace their old roof for a newer one while the dishonest roofing contractor wants their client to buy additional services.
As these people try to mimic hailstone damage on roofs, to a trained professional eye it’s nothing more than marks. It is important to know that insurance companies dispatch professional adjusters who will recognize between real hailstone damage from fake. Fraudulent hailstone damage ends up meaning a denied insurance claim and the homeowners are left having to pay for hail damage roof repair in Franktown or wherever they might live.
But how do adjusters distinguished a real hailstone damage event from self-inflicted hailstone damage? There are four common signs they look out for to spot fake hailstone damage. These include location, pattern, angle, and marks.
#1 The Location
One of the most obvious signs of fake hail damage is to observe the location and patterns on the roof itself. Hailstones hit the roof on random parts and spaces in between. Usually, high winds accompany hail storms. This can cause the hailstones to fall on the roof in the direction of the wind. Some part of the roof may receive more damage compared to its adjacent sides. However, hail impact can be seen on the entire area of the affected side of the roof. It is rare for hail impacts cause partial damage on the roof slope unless it is obstructed.
Hailstone marks do not have a uniform shape or hit shingles in a pattern. Because hailstones come in various sizes, it is difficult to discern its marks on shingles. Fake hailstone damage can appear when the marks are centered on individual shingle tabs. This is one of the main reasons insurance companies need their adjusters to fully assess the situation before giving a green light for something like hail damage restoration in Parker.
#2 The Marks
Hailstone damage does not leave uniform marks or very distinguishable marks on the roof. Blemishes that are too apparent were probably intentionally made to mimic hailstone damage. Hammers, coins, screwdrivers are some of the most common objects used to fake hailstone damage.
#3 The Angle
Adjusters inspect the marks closely and check for any inconsistency in the angle. If the marks on the shingle appear to have a relatively same position, it’s most likely fake. When someone tries to mimic hailstone damage they think of a consistent and symmetrical pattern. As a result, they left their marks in straight lines along several rows of shingle tabs.
Patterns serve as very obvious signs trying to fake hail storm damage. These marks either form a straight line or circling in a particular angle. This is a result when someone tries to hit shingle tabs while walking on the roof. Fake hail storm damage forms arcs when someone stops in one location and rotates to the other side.
On steep-sloped roofs, signs of hailstone damage do not go further than 6 feet from the edge of the steep roof. Real hailstone damage is very visible in almost all corners of the roof.
Connecting the Dots
When adjusters finish with their work and mark these obvious signs of damage, it produces a very visible evidence of self-inflicted damage. Fake hail damage forms a very particular pattern and line in the roof. For the trained eye, these are obviously marks left by someone who tried to mimic hailstone damage. Filing a claim under these conditions can result to a flat out insurance claim denial and potentially lead to being dropped by an insurance company and end up having to cover your Franktown hail damage recovery yourself.
For a little more information, this video is a good place to start: