New Research on Hail Damage to 55% Al-Zn Alloy–Coated Steel Roofing
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Published:2023
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For several years, the insurance industry has been addressing the important question of what is considered cosmetic damage versus functional damage when assessing hail impact on low-slope metal roofing. Cosmetic damage due to hail is often excluded from coverage. However, the distinction between the two has been challenged by forensic experts who base their opinions on unsubstantiated claims of reduced service life of a dimpled roof due to moisture retention and microfracture within a hail divot. The Metal Building Manufacturers Association (MBMA) recently completed two research projects on the effects of hail on 55% Al-Zn alloy–coated steel roofing systems, which is the most common metal roofing material used in the U.S. marketplace. These projects, which evaluated the water ponding drying rates for simulated hail impact divots in 55% Al-Zn alloy–coated steel roof panels and the coating damage due to roll forming of these panels, provide much-needed information to define the differentiators between “cosmetic” and “functional” damage.