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The “Residential Roof Damage Assessment” course covers the fundamentals of hail and wind damage, the identification of weathering, hail, wind, and mechanical damage on composition shingles, the characteristics of wood shingles and shakes and tile roofs, and the roof repair cost calculations.

The course is designed to familiarize students with the important aspects of damage assessment to residential roofs from a scientific perspective. The module is presented by Timothy P. Marshall, P.E., Haag Engineer, meteorologist, published author, and speaker.

Tim Marshall begins by defining functional damage, and presents an overview of the characteristics of hail and wind. In particular, he discusses the impact energy of hail and pressures exerted by wind. Next, he looks at three major types of residential roofing—composition, tile, and wood—and illustrates the effects of wind and hail on each type. Roofing types are presented in their own sections. For each residential (steep-slope) roofing type, Mr. Marshall introduces the basics of manufacturing, and shows brief examples of manufacturing and installation issues, and weathering. He then illustrates hail, wind and mechanical damage, and contrasts those types of damages with other roofing conditions and anomalies. Finally, he describes the DURA formula, for calculating hail damage, and presents an example repair vs. replacement calculation.

After completing this course, a student should be able to define functional damage; identify the characteristics of hail and wind damage; understand the principle of hail’s impact energy and wind pressure; understand manufacturing basics of composition, tile and wood roofing; identify common manufacturing and installation errors; identify weathering, and differentiate it from hail, wind, or mechanical damage; identify hail, wind, and mechanical damage to composition, tile, and wood roofs; understand the DURA formula for counting, extrapolating, and calculating hail slope-by-slope; calculate and determine whether to repair or replace slopes, using an example scenario; and review spot repair basics.

The course is designed for insurance professionals working in the area of property adjusting.

What CE Credit is available?

Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.

State:
Adjuster General CE Hours:
Adjuster Ethics CE Hours:
Attorney General CLE Hours:
State's Course ID:
NH 2.0 470065
TX (classroom equivalent) 1.0 106283
NC 2.0 C09082
FL * ( Provider Number: 364169 ) 2.0 1189241
IL 0.0
WY 2.0 27494
OK 2.0 1027321

* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Course Content

Lesson Content

1) Introduction
2) Presentation outline
a) Hail and Wind
b) Composition Shingles – Weathering and Hail
c) Composition Shingles – Wind and Mechanical
d) Wood Shingles/ Shakes
e) Tile Roofs
f) Repair Cost Calculations
3) Hail and wind
a) Hail frequency
b) Definition of damage
i) Functional damage
ii) Cosmetic issues
4) Important aspects of hail
a) Size
b) Shape
c) Hardness (density)
d) Fall pattern
e) Directionality
f) Collateral damage
5) Spatter marks
6) Dents in metal
7) Wind basics
a) Standard engineering conditions
b) Wind-caused damage to roofs
i) Direct
ii) Indirect
8) Recap

Lesson Content

1) Introduction
2) Components of shingles
a) Glass-fiber mat shingles
b) Asphaltic mixture
c) Granules
3) Anomalies on shingles
a) Cupped or clawed edges
b) Craze cracks
c) Horizontal cracks
d) Splitting
e) Blisters
f) Flaking
g) Sealant spots
h) Splices
i) Marring
j) Algae
k) Lichens
l) Mechanical damage
m) Manufacturing defects
4) Specific (visual) examples
a) Cupping
b) Clawing
c) Granule loss and shrinkage of tabs
d) Open blisters
e) General granule loss
5) Hail damage to asphalt shingles
6) Recap

Lesson Content

1) Introduction
2) Wind-caused damage to shingle roofs
3) Some hail/wind damage myths on asphalt shingle roofs
4) Types of mechanical damage
a) Unintentional
b) Intentional
5) Intentional mechanical damage to roofs
6) Examples of Intentional mechanical damage
a) Flat peen hammer impacts
b) Line of impact marks along ridge
c) Crushed granules – smeared asphalt
d) Coin marks
e) Scrape marks
7) Recap

Lesson Content

1) Introduction
2) Shakes vs. shingles
3) Weathering
a) Butt rot
b) Cupping
c) Curled shakes
4) Characteristics of weathering-caused splits
a) Eroded holes
b) Impact-caused splits
5) Hail impacts
a) Hail-caused splits in shingles
b) Hail punctured thin area in shake
c) Hail-broken shingle
d) Offset hail-caused split
6) Some leading hail damage myths on wood roofs
7) Wind damage
a) …to hip ridge
b) …on rake
8) Mechanical damage
a) Foot-broken shake
b) Ball peen impacts on cedar shakes
9) Recap

Lesson Content

1) Introduction
2) Clay and concrete tiles
a) Description, underlayment
b) Tile defects
c) Surface defects
d) Improper flashing
e) Poorly-drained “dead” valleys
f) Right-corner cracks in concrete tile
g) Corner cracks
3) Hail damage to tile roofs
a) Hail damage to clay tiles
b) Clay tile edges broken by hail
c) Hail damage to concrete tile
4) Some hail damage myths – tile roofs
5) Wind damage
a) Direct
b) Indirect
c) Eave tiles displaced by wind
d) Flipped tiles along eave
e) Corner tiles displaced
f) Rake tiles displaced
g) Damage from debris impact
6) Intentional mechanical damage
a) Tile nose pried by tool
b) Shifted ridge tiles
c) Foot traffic
7) Recap

Lesson Content

1) Introduction
2) Test areas (square)
3) DURA formula
4) Possible additional costs
5) Roof damage calculation – example problem
6) Insert shingle repairs
7) Recap

Submit within 5 days to get CE Credit or Certificate of Completion.

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