Using the Shingle Damage Test some insurance companies don't want to pay the homeowners Haag, from Haag Engineering, is the standard for some insurance companies (Farmers, Travelers, and American "not buying it no matter what" Family are some). It is often used as an excuse not to buy a roof. They basically require shingle damage so that the matt is actually exposed. It ignores the fact that bruising will accelerate this damage they are looking for. Asphalt granular shingle loss is generally calculated at 3% a year. Big bruises to shingles from hail may not crack the shingle or produce exposure all
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