Shingle granules in my gutters

February 9, 2022

If I have shingle granules in my gutters, does that mean I need a new roof?

Actually, there are two questions here.

1) Do I need a new roof?; and

2) Will insurance or the manufacturer pay for it?

If you see shingle granules in your gutters, it does not necessarily mean you need a new roof, although the lifespan of your roof is reduced when granules come off. As any insurance adjuster will tell you, shingles are made with knowledge that some granules will come off during normal weather cycles.

If there is an excessive amount of granules in your gutter, it could mean that hailstones knocked them loose, or that they were substandard quality. If they were defective, the manufacturer may be responsible to pay for new shingles (I wouldn't hold my breath, though).

Insurance companies have rules about replacing shingles, and they differ somewhat from company to company. One thing they all need to see in order to pay for a new roof is indentations in the shingles caused by hail hits. (They can tell if the damage was caused by hail vs a ball peen hammer, so don’t even think about it!)

When in doubt, call a roofing specialist and ask for a roof inspection!

Get a free estimate/roof inspection
We promise not to flood you with phone calls - you'll get a return call from ONE roofing professional.
Contact us