Record observations before conclusions
Ask the inspector to identify the roof material, the areas examined and any access limits. Photographs should show the location and the condition being described, with wider views that let another reviewer understand where a close-up belongs.
For asphalt shingles, GAF describes impact damage that may involve indentations or fractures and notes that visible evidence can be limited. Granules in a gutter, by themselves, do not establish the cause or extent of damage; GAF also documents granule loss associated with new shingles.
Use the assessment appropriate to the material
A shingle assessment should not be copied onto a metal or single-ply roof. Ask the evaluator to distinguish a change in appearance from a condition affecting the material, seam, attachment or ability to shed water.
For granule-surfaced commercial membranes, GAF notes that hail can displace protective surfacing. Ask the report to describe the actual affected areas and the proposed repair method rather than importing shingle terminology.
Ask how much of the roof was evaluated
An isolated photograph cannot establish the condition of every slope or roof section. Request a location plan, observations from different areas and a reason for any recommendation that extends beyond the documented damage.
- What evidence supports the stated cause?
- Which conditions may be age-related, installation-related or from other sources?
- Are additional tests or closer investigation needed?
- Can the identified damage be repaired using compatible materials?
- What remaining uncertainty could change the scope?
Keep the report separate from a coverage promise
The inspection record can support a discussion with an insurer, but it is not a coverage decision. Owners should retain the unedited report, photographs and repair proposal with the event record. Observe from safe locations and leave roof access and material evaluation to qualified professionals.