07/09/2025
I have been doing Tile Roof Evaluations for 34 years and I have inspected roofs for the purchase of homes, condominiums, commercial buildings and damage analysis from both wind and hail. In my 34 years of doing thousands of inspections I have never seen a mechanically attached tile roof where 25% of the tiles were either damaged or displaced by wind or hail. I have seen where the total home was displaced, however, unless the home was wiped off its foundation, I’ve never seen 25% displacement of tiles. I get asked in every deposition that I give (how many tiles were damaged?) I will give an answer and the immediate follow up question is how many tiles are on this roof. The attorney will then show me a report from the opposing expert that states that only 1 or 2% of the tiles are damaged. My answer usually goes as follows! Well sir/madam there are 5000 tiles installed on the roof and I do not believe the repairability should be based on the total number of tiles damaged or a percentage. If that were the case, then no damaged roofs would ever meet the 25% threshold based on my experience. I then go on to explain the 1 or 2% of damaged tiles would equate to 50 to 100 repairs to the underlayment and many more if you removed tiles around the damaged tiles. When the underlayment is installed, the membrane is installed from the eave to the ridge or hip, so water always sheds over the seams and not into the seams. I do not know any competent contractor that would ever install a sloped roof with backlap seams and all manufacturers and building code requirements prohibit the installation of the underlayment in that manner. Usually, this answer gets an eye roll and a look of confusion. So, I make it a little easier for them to understand! I tell them that if you have a tire on your car and it gets a nail puncture, the damage from the nail would encompass less than .00001% of the total tire area and you would most likely patch the tire and not have a great concern about the future performance of the tire. I then go further to say, what if you had twenty-five nail punctures in your tire? The total damaged area of the tire would still be less than 1%! Would anyone drive around on a tire with 25+ patches? Your home is the biggest purchase most everyone makes in their life and your roof protects all the contents in your home, is it fair to say that your roof is repairable because 25% of the tiles were not damaged? In my opinion NO, it has to do with future performance as well and for those firms who always use the 25% rule to deny roof replacement, perhaps I can sell you some of my nail damaged tires!