For insurance purposes, how is damage to asphalt shingles categorized?

Damage to asphalt shingles is categorized as functional and cosmetic for insurance purposes. This classification is important for determining how different types of damage will be assessed and compensated.

Functional damage refers to issues that affect the performance and integrity of the shingles themselves. This may include problems like leaks, missing shingles, or structural failures that compromise the roof's ability to protect the home from the elements. Insurance adjusters are concerned with functional damage because it directly relates to the effectiveness of the roof and whether repairs or replacements are necessary to ensure the home remains waterproof and structurally sound.

Cosmetic damage, on the other hand, pertains to issues that do not affect the shingles' ability to perform their job but may impact the aesthetic appeal of the home. This includes things like curling, fading, or minor surface damage that could affect the visual appearance without compromising the overall function of the roof.

Understanding this distinction helps homeowners and inspectors communicate effectively with insurance providers regarding the nature of damages sustained and the types of repairs that may be necessary.