Part 1 - Issues with
“Functional” vs. “Cosmetic” Hail Damage
As the season turns to fall, we will focus on something that falls from the sky in much of the U.S. – hail. This is the first of a two-part series on hail damage. The second part will be in next month’s blog. This post focuses on wording choices used in hail reports to describe hail effects. Part two will focus on proper hail inspection protocol, damage criteria, and so forth.
For those of us who have been assessing hail-caused damage to roofs for some time, the terms “functional damage” and “cosmetic damage” have been tossed around quite commonly over the years. But as insurance policies and case law have evolved, so too should your vernacular when it comes to hail damage assessment.