Most of these claims are due to a hail storm that came through in the past year. You likely wouldn't notice - but if the shingle is damaged over time a) granules will dislodge, b) the UV sun will destroy the asphalt underneath and c) the roof will leak. Surprisingly, 20% of all new roofs in the United States are replaced by insurance due to hail damage. This is especially true in states like Florida, Texas, Oklahoma, etc. Hope that helps.
|