Cosmetic vs Functional Hail Damage: Indiana Insurance Guide

Cosmetic hail damage — dents in gutters, metal vents, and painted surfaces — hurts appearance but not roof performance, and Indiana insurance adjusters typically deny cosmetic-only claims. Functional hail damage — round bruises 1/4"–1" with granules knocked off to the black mat, fractured shingles, split flashing — shortens roof life and qualifies for full replacement. Adjusters use 10x10 test squares and typically require 8+ functional hits on at least two slopes to approve replacement.

Rick's Roofing provides independent hail damage inspections before the adjuster arrives across Avon, Brownsburg, Plainfield, Danville, and all of Hendricks County. Call 317-223-3972.