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ASTM Selected Technical Papers
Roofing Research and Standards Development: 10th Volume
Editor
Sudhakar Molleti
Sudhakar Molleti
Symposium Chair and STP Editor
1
National Research Council Canada
,
Ottawa, ON,
CA
Search for other works by this author on:
Walter J. Rossiter, Jr. Jr.
Walter J. Rossiter, Jr. Jr.
Symposium Chair and STP Editor
2
W.J. Rossiter & Associates
,
Clarksburg, MD,
US
Search for other works by this author on:
ISBN:
978-0-8031-7747-5
No. of Pages:
254
Publisher:
ASTM International
Publication date:
2023

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.

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