ABSTRACT
Shingled Roof Surfaces ..................................................................................................... 163 5.2.1 Introduction to Hail Damage Fraud to Asphalt-Shingled Roof Surfaces ...... 163 5.2.2 Characteristics of Fraudulent Hail Damage to Asphalt-Shingled Roof
Surfaces ................................................................................................................... 164 5.2.2.1 Damage Is Concentrated in, or Limited to, Easily Accessible
Roof Areas ................................................................................................ 164 5.2.2.2 Unusual Damage Patterns ..................................................................... 165 5.2.2.3 Storm Event(s) Either Not Present in the Area or Size of Hail
Not Consistent with Hailstone Sizes from Known Storm Events .......168 5.2.2.4 Presence or Size of Simulated Hail Defects ........................................ 169
5.3 Characteristics of Fraud (Man-Made) Hail Damage to Other Roof Surfaces ............ 171 5.4 Characteristics of Fraud (Man-Made) Hail Damage to Exterior Building
Envelope Components .................................................................................................................172 5.5 Recognition and Evaluation of Possible Wind Damage Fraud to Asphalt-
Shingled Roof Surfaces ..................................................................................................... 173 5.5.1 Introduction to Wind Damage Fraud to Asphalt-Shingled Roof Surfaces .... 173
5.5.1.1 Lack of a Severe Storm Event Associated with the Reported Date of Loss .............................................................................................. 175
5.5.1.2 Unusual Patterning of Damaged Shingles .......................................... 175 5.5.1.3 Excessive Use of Tarps ............................................................................ 178
5.5.2 Example Fraud Wind Damage: Asphalt Roof Reporting Information .......... 179 References ..................................................................................................................................... 182
Following the completion of this chapter, you should be able to:
• Understand where typical fraudulent hail and wind damage occurs on structures.
