RoofViews

Building Science

Defending Against Very Severe Hail

By Kristin Westover

January 30, 2023

very severe hail

Think that your roof doesn't need protection against hail? Think again.

Severe hail events are increasing in geographic footprint and are no longer just in hail alley. The geographic region that experiences 1 inch or larger hailstones has expanded to be nearly two-thirds of the United States. Nearly 10 percent more U.S. properties, more than 6.8 million, were affected by hail in 2021 than in 2020. Coinciding with the increase in properties affected by a damaging hail event in 2021, there was also an increase in insurance claims, which rose to $16.5 billion from $14.2 billion in 2020.

Figure 1: The estimated number of properties affected by one or more damaging hail events. Source: NOAA, graphed by Verisk

According to data from Factory Mutual Insurance Company (FM Global), a leader in establishing best practices to protect buildings, the review of client losses between 2016-20, showed that the average wind/hail losses averaged $931,000 per event. That's a significant impact on a business, and it doesn't account for the other effects that a disruptive loss could have such as headaches from the process of repairing or replacing damaged roofs. As a result, designing the roof to withstand damage from hail events has become not only a best practice, but a necessity.

Why does hail size matter?

FM Approvals is a third-party testing and certification laboratory with a focus on testing products for property loss prevention using rigorous standards. FM Global, through the loss prevention data sheets, requires the use of FM Approved roof systems. FM Global estimates their clients lose about $130M each year on average from hail events in the United States. Given the increasing volume of severe hail events and the resulting property loss, damage, and financial impacts, FM Global added to the requirements in the FM Loss Prevention Data Sheet (LPDS) 1-34 Hail Damage in 2018. Loss Prevention Data Sheets provide FM's best advice for new construction and for Data Sheet 1-34, this includes new or reroofing projects on existing buildings. Data Sheet 1-34 provides guidelines to minimize the potential for hail damage to buildings and roof-mounted equipment. FM Global intends that the data sheets apply to its insured buildings; however, some designers use data sheets as design guidelines for buildings other than those insured by FM Global.

FM's LPDS 1-34 identifies the hail hazard areas across the United States: Moderate Hail hazard area, Severe Hail hazard area, and Very Severe Hail (VSH) hazard area which are defined by hail size. Note that the VSH area roughly correlates to Hail Alley. Hail Alley receives more hailstorms, and more severe ones, compared to other parts of the country.

Figure 2: FM's LPDS 1-34 map outlining the different hail categories: moderate, severe, and very severe. The Very Severe area is most commonly referred to as "Hail alley".

The hail hazard areas are divided by hail size, with the Very Severe hail hazard area being the largest hail size of greater than 2 inches. As a result, roofing assemblies have to meet the most stringent hail testing for designation in the Very Severe hazard area.

f. 3

Figure 3: Description of FM Approval hail regions.

Even if you are not in hail alley, or one of the states in FM's Very Severe Hail area, hail larger than 2 inches still has the potential to occur throughout the contiguous United States. The National Oceanic and Atmospheric Administration (NOAA) tracks weather events throughout the United States, including hail. NOAA's hail database includes information such as location, date, and magnitude (size) of the hail stone for each event. A sampling of typical data is provided below; note that several states that are outside of FM's VSH zone, had hail events that would qualify as VSH, where hail stones were recorded to be larger than 2-inches in size.

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Figure 4: Hail events in states that are outside of the VSH area, but qualify as VSH by size.

How Do I Design For Very Severe Hail?

In order for a roof assembly to achieve a hail rating, the assembly must pass a hail test. FM Approvals designs the hail tests including a different test for each hail hazard area. Hail testing generally includes the use of steel or ice balls that are dropped or launched at roof assemblies in a laboratory setting. Pass criteria vary by the test, but generally visual damage cannot be present to either the membrane or components below. Roof assemblies that pass each individual hail test are FM approved to be installed in each hail hazard area.

There are thousands of FM rated assemblies and it can be difficult to choose just one. To start, it is important to note that selection consists of an entire assembly, however consideration of all roof components including the membrane, coverboard, and attachment method each play an important role in how the assembly defends against hail.

Membrane selection is critical for Very Severe Hail prone regions. Thicker roof membranes, as well as higher performance grades that will remain pliable under heat and UV exposure over time and will outperform standard grade materials. Fleeceback membranes also provide an added cushion layer that buffers hail impact.

Coverboard selection is a critical component of the roof system design. High compressive strength coverboards are an effective means to enhance the performance of the roof system when exposed to hail events. A coverboard will enhance the roof's long term performance by fortifying the membrane when hail strikes as well as providing a firm surface to help resist damage from typical foot traffic. It will also help the roof insulation below withstand damage from hail. While conventional gypsum coverboards and high-density polyiso coverboards provide excellent protection against foot traffic and smaller hail, they are not effective for VSH. Coverboards for VSH systems were originally limited to plywood or oriented strand board (OSB). The use of plywood and OSB is very labor intensive to install as compared to traditional gypsum coverboards, increasing the cost of the installation. Recently, coverboard manufacturers have developed glass mat roof boards which are a reinforced gypsum core with a heavy-duty coated glass mat facer. Not only do these boards provide protection against 2-inch hail and are an important part of VSH assemblies, they are also a FM Class 1 and UL Class A thermal barrier for fire rated assemblies. These boards are 5/8" thick and are 92-96 pounds per 4'x8' board; about 30 percent heavier compared to plywood yet easier to install as they can be scored and cut like a traditional gypsum board.

Consideration of roof attachment method is critical for selection of VSH assemblies. Historically, mechanically attached systems were not able to pass the VSH tests; when an ice ball hit the head of the fastener or plate, the result was a laceration in the membrane. To avoid failures of the membrane at the fasteners and plates, the fasteners were traditionally buried in the system; the insulation was mechanically attached and the coverboard and membrane were adhered. This is still a common installation method and as a result, there are a large number of assemblies where the membrane and coverboard are adhered. Additionally, burying the fasteners allows for the installation of a smooth backed membrane. With the development of glass mat coverboards, there are VSH rated assemblies that can be simultaneously fastened (mechanically attached coverboard and insulation) that utilize an adhered fleece-back membrane.

Figure 5: VSH systems. Left is simultaneously fastened 60 mil Fleeceback TPO over glass mat VSH roof board and Polyiso Insulation. Right is 60 mil Fleeceback TPO over glass mat VSH roof board adhered in low rise foam ribbons to mechanically attached Polyiso Insulation.

Figure 6: A sample of available VSH assemblies.

Summary

Why Should We Design for VSH?

Severe hail events are increasing in geographic footprint and storms with hailstones that meet Very Severe Hail criteria are occurring throughout the country. While designing for VSH is a requirement if a building falls within the VSH area and is ensured by FM Global, many owners and designers are opting for roof assemblies that can withstand VSH storms even if they are not insured by FM Global. Material selection, such as coverboard and membrane, are key components to managing this risk. Glass mat coverboards and thicker, higher grade single-ply membranes, such as fleece-back, increase the roof assembly's resistance to damage. Choosing the right roof assembly could be the difference between weathering the storm or significant damage from hail.

What are the next steps?

Learn about GAF's Hail Storm System Resources, and as always, feel free to reach out to the Building & Roofing Science team with questions.

About the Author

Kristin is a Technical Manager of specialty installations for low-slope commercial roofing systems at GAF. She has experience with a wide variety of projects in the civil engineering consulting industry specializing in repair and restoration of existing buildings, primarily for commercial buildings and high rise residential structures. Project expertise includes roofing, waterproofing, facades, parking garages, and pavements. She has performed assessments, written specification and design documents, provided bidding services oversight, and performed construction contract administration. She also has experience in arbitration and litigation support as well as LEED O+M certification for existing buildings.

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The physical experiment had a 6.1% drop (down from 11% with no cover board!) and the computer simulation a 4.2% drop (down from 4.6% with no cover board) in R-value when the fastener was added.What Does This Study Tell Us?The morals of the study just described are these:Roof fasteners have a measurable impact on the R-value of roof insulation.High-density polyisocyanurate cover boards go a long way toward minimizing the thermal impacts of roof fasteners.Steel deck, due to its high conductivity, acts as a radiator, amplifying the thermal bridging effect of fasteners.What Should We Do About It?As for figuring out what to do about it, this study and others first need to be extended to the real world, and that means making assumptions about parameters like the siting of the building, the roof fastener densities required, and the roof assembly type.Several groups have made this leap from looking at point thermal bridges to what they mean for a roof's overall performance. The following example was explored in a paper by Taylor, Willits, Hartwig and Kirby, presented at the RCI, Inc. Building Envelope Technology Symposium in 2018. In that paper, the authors extended computer simulation results from a 2015 paper by Olson, Saldanha, and Hsu to a set of actual roofing scenarios. They found that the installation method has a big impact on the in-service R-value of the roof.They assumed a 15,000-square-foot roof, fastener patterns and densities based on a wind uplift requirement of 120 pounds per square foot, and a design R-value of R-30. In this example, a traditional mechanically attached roof had an in-service R-value of only R-25, which is a 17% loss compared to the design R-value.An induction-welded roof was a slight improvement over the mechanically attached assembly, with an in-service value of only R-26.5 (a 12% loss compared to the design R-value).Adhering instead of fastening the top layer of polyiso resulted in an in-service R-value of R-28.7 (a 4% loss compared to the design R-value).Finally, in their study, an HD polyiso board was used as a mechanically fastened substrate board on top of the steel deck, allowing both layers of continuous polyiso insulation and the roof membrane to be adhered. Doing so resulted in an in-service R-value of R-29.5, representing only a 1.5% loss compared to the design R-value.To operationalize these findings in your own roofing design projects, consider the following approaches:Consider eliminating roof fasteners altogether, or burying them beneath one or more layers of insulation. Multiple studies have shown that placing fastener heads and plates beneath a cover board, or, better yet, beneath one or two layers of staggered insulation, such as GAF's EnergyGuard™ Polyiso Insulation, can dampen the thermal bridging effects of fasteners. Adhering all or some of the layers of a roof assembly minimizes unwanted thermal outcomes.Consider using an insulating cover board, such as GAF's EnergyGuard™ HD or EnergyGuard™ HD Plus Polyiso cover board. Installing an adhered cover board in general is good roofing practice for a host of reasons: they provide enhanced longevity and system performance by protecting roof membranes and insulation from hail damage; they allow for enhanced wind uplift and improved aesthetics; and they offer additional R-value and mitigate thermal bridging as shown in our recent study.Consider using an induction-welded system that minimizes the number of total roof fasteners by dictating an even spacing of insulation fasteners. The special plates of these fasteners are then welded to the underside of the roof membrane using an induction heat tool. This process eliminates the need for additional membrane fasteners.Consider beefing up the R-value of the roof insulation. If fasteners diminish the actual thermal performance of roof insulation, building owners are not getting the benefit of the design R-value. Extra insulation beyond the code minimum can be specified to make up the difference.Where Do We Go From Here?Some work remains to be done before we have a computer simulation that more closely aligns with physical experiments on identical assemblies. But, the two methods in our recent study aligned within a range of 0.8 to 6.7%, which indicates that we are making progress. With ever-better modeling methods, designers should soon be able to predict the impact of fasteners rather than ignoring it and hoping for the best.Once we, as a roofing industry, have these detailed computer simulation tools in place, we can include the findings from these tools in codes and standards. These can be used by those who don't have the time or resources to model roof assemblies using a lab or sophisticated modeling software. With easy-to-use resources quantifying thermal bridging through roof fasteners, roof designers will no longer be putting building owners at risk of wasting energy, or, even worse, of experiencing condensation problems due to under-insulated roof assemblies. Designers will have a much better picture of exactly what the building owner is getting when they specify a roof that includes fasteners, and which of the measures detailed above they might take into consideration to avoid any negative consequences.This research discussed in this blog was conducted with a grant from the RCI-IIBEC Foundation and was presented at IIBEC's 2023 Annual Trade Show and Convention in Houston on March 6. Contact IIBEC at https://iibec.org/ or GAF at BuildingScience@GAF.com for more information.

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