Hail and other forms of physical damage (including from foot traffic or workmanship) to roofs result in millions of dollars of economic loss each year. At least one state, Texas, allows insurance companies to provide a reduction in rates when a hail-resistant type of roofing material is installed.
When replacing a roof, it has generally been good practice to tear off the existing assembly and replace it with new material. However, this is beginning to change. Simply getting rid of an older roof may not be the best choice for the building owner or the environment.