Why small hail is totaling roofs

In this video, we sit down with Steve Smith, Director of the Laboratory at HAAG Engineering, to discuss a controversial shift in the insurance industry regarding hail damage. A recent peer-reviewed study from the Insurance Institute for Business and Home Safety (IBHS) is being used to argue that sub-severe hail (less than 1 inch) can cause enough granule loss to justify full roof replacements—even without traditional bruising or leaks. We dive deep into why this theory is gaining traction, the potential flaws in the IBHS testing methodology, and the massive unintended consequences this could have for homeowners and the insurance market at large. What You’ll Learn: The Granule Loss Controversy: How pea-sized hail is now being used as grounds for total roof replacements based on "loss of resilience." The IBHS Study Explained: A breakdown of the research backing these new damage claims and why it is being adopted by law firms and public adjusters. HAAG Engineering’s Pushback: Steve Smith explains HAAG’s position paper and highlights concerns regarding the lack of control groups in the IBHS testing protocol. The Function of Granules: A primer on what shingles are made of and why losing a few granules isn't always a catastrophic event. Industry Consequences: Why this trend could lead to skyrocketing premiums, higher deductibles, and carriers refusing to write asphalt shingle policies in hail country. About the Guest: Steve Smith is the Lab Director at HAAG Engineering with nearly three decades of experience in forensic engineering and roof inspections. 🎯 Want to Launch Your Adjusting Career? Stop begging for work. Most new adjusters wait by the phone while storms pass them by. 👉 Watch the free training now → https://adjustertv.com/deployment If you want a clear, step-by-step plan to go from zero to deployed as fast as possible, start here: 👉 Get Certified + Career Ready https://www.adjustertv.com/certify 👉 Try AdjusterTV+ Free https://www.adjustertv.com/plus 👉 Need Xactimate training? Start here: https://www.adjustertv.com/xactimate This is gold-standard prep for all three certification levels ========================================================== DISCOUNTS: All state adjuster pre-exam/licensing prep and CE in one place: AdjusterPro. https://www.adjustertv.com/adjusterpro Discount code: ADJUSTERTV HAAG EDUCATION: Use code ADJUSTERTV for a discount on books, trainings, certifications, continuing ed credits, and tools at: https://haageducation.com/ DOCUSKETCH: https://www.docusketch.com/partner/ad... Click on BUY NOW and set up an account ========================================================== VALUED PARTNERS: The biggest party and networking event for adjusters - NACA the National Association of Catastrophe Adjusters: https://www.adjustertv.com/naca XACTIMATE Get your Xactimate User Certifications HERE: https://www.verisk.com/xactware-store/ E&O insurance: Download the FREE GUIDE all about the different kinds of insurance you - as the adjuster - should carry: https://www.cplic.net/adjustertv/ ========================================================== 🧠 What is AdjusterTV? AdjusterTV helps you go from confused and stuck to confident, trained, and deployed as an independent insurance adjuster. Real advice from someone who’s worked in the field for 20+ years and helped thousands get started.