Granule Loss and Heavy Rain: What Homeowners Should Know

Aug 25, 2025

Granule Loss and Heavy Rain: What Homeowners Should Know

Your roof is the shield of your home. It keeps out the sun, the wind, and the rain. But even the strongest shield can wear down over time. One of the clearest signs of roof wear is granule loss on asphalt shingles. Granules are the small, rough particles that cover each shingle. They may look simple, but they do important work. Granules protect the shingle’s asphalt layer from the sun, help water run off, and even add fire resistance. When they start to fall away, your roof becomes more open to damage. This is especially true when heavy rain is on the way.

Why Granules Matter in a Storm

Granules are like armor for your roof. Without them, the asphalt underneath is exposed. Rainwater can hit directly on the bare asphalt, which absorbs moisture instead of shedding it. Over time, this makes shingles weaker, more brittle, and more likely to crack.

During heavy rain, the problem gets worse. Rain can:

Wash away loose granules. Aging or storm-worn shingles may lose granules faster in downpours.
Expose bare spots. Areas with missing granules soak in more water, speeding up wear.
Cause leaks. Without granules, shingles don’t shed water as well, so it can pool or sneak under the roof.

If your roof is already showing signs of wear, one strong rainstorm can push it closer to failure.

How Rain Speeds Up Granule Loss

A little granule loss is normal, especially when a roof is brand new. But heavy rain puts extra stress on shingles. Here’s how:

Gutters fill up fast. After a storm, check your gutters. If you see piles of dark sand-like particles, those are roof granules. A few is fine. A lot means the shingles are breaking down.
Wind and water together. Rain is often paired with strong winds. Wind lifts at the edges of shingles, while rain pounds from above, knocking more granules loose.
Repeat cycles. One storm may not ruin a roof, but storm after storm strips more granules away. Once enough are gone, shingles lose their protective layer and age quickly.

Roof Age and Storm Risk

Granule loss becomes more serious as a roof gets older:

0–2 years: Light shedding is normal after install. Heavy rain won’t hurt much.
5–10 years: Most roofs still have good protection, but strong storms may leave more granules in gutters.
10–15 years: Granule loss speeds up. Storms can create bald spots and expose asphalt.
15–25 years: Roofs at this stage often show major wear. Heavy rain makes leaks far more likely.

If your roof is over 10 years old, it’s smart to be extra watchful during storm season.

The Importance of Roof Inspections

This is where roof inspections play a key role. Many homeowners don’t notice granule loss until water is already leaking inside. By then, repairs can be costly. A professional inspection before or after a storm can reveal:

Bald spots or shiny asphalt showing on shingles
Granules building up in gutters and downspouts
Soft spots or water stains in the attic
Storm damage that may not be visible from the ground

Regular inspections give peace of mind and let you catch problems before they grow.

When to Call Roofing Companies

If you see lots of granules in gutters after a rainstorm, or if your roof is over 10 years old, call local roofing companies for help. They can check if your roof is still safe or if repairs or replacement are needed. The right company will have experience in your area and know how local storms affect roofs. They’ll also be able to tell you whether the damage is from normal aging, or if it qualifies for insurance coverage due to storm impact. Stonebridge offers Free Roof Inspections to help you discover issues early before they become big problems.

Protect Your Home Before the Next Storm

Granule loss may seem small, but when heavy rain hits, it becomes a bigger threat. Missing granules mean less protection, higher chances of leaks, and a roof that ages faster than it should.

Don’t wait until water drips into your home. Keep an eye on your gutters, watch for bald spots on shingles, and schedule regular roof inspections. Trusted roofing companies can help you get ahead of problems before the next storm rolls in. Contact us for a free roof inspection now.

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Financing a New Roof: 3 Ways on How to Do It

Mar 2, 2023

Replacing your old roof with a new, more efficient one can be a huge investment. Then again, delaying it further when your home clearly needs a new one can lead to costly fixes. If you can’t pay for a new roof due to a lack of out-of-pocket funds, know that there are ways you can finance this major home improvement.

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5 Risks of Ignoring a Leaking Roof

Nov 2, 2020

There are many household problems that can be put off until later, but fixing a leaking roof is not one of them. In fact, it should always be prioritized no matter what the season. Here’s why.

1. Moisture Damage

The attic, ceiling, and roofing support structures are mostly made of wood, which happens to be vulnerable to damage caused by moisture. While these components are treated for resistance to high humidity levels, they can be damaged by water coming from a leaking roof. This can result in rot that can later compromise the roof’s structure. Further issues like water stains, blistering paint, and swollen plaster can also happen if the moisture makes its way toward other parts of the house.

2. Mold
Mold thrives in warm and humid places, away from direct sunlight. A leaking roof meets all three conditions, making it the perfect environment for mold growth. Mold causes more than just its tell-tale odor and hard-to-remove stains. Its spores can trigger like allergies and respiratory problems including rhinitis, asthma, and nasal congestion. If it spreads throughout the attic, it may necessitate a premature roof replacement.

3. Electrical Hazard
Water from a roof leak may find its way into electrical wiring, power outlets, or appliances, which can lead to shorted wiring. If you notice water dripping into these parts of your home, don’t touch the appliance or try to unplug it. Instead, turn it off from the panel, and call a local electrician as soon as possible.

4. Slipping Hazard
Water from a leaking roof can form puddles on the floor where you least expect it, making it a slipping hazard for anyone in your home. If you have carpeting that isn’t adhered to the floor, water can make its way under the carpets and make them slippery.

5. Damage to Attic Insulation
Most types of attic insulation form clumps when in direct contact with water. When this happens, the insulation layer forms holes that would defeat its purpose. Poor insulation can facilitate thermal transfer and allow heat to easily pass between your indoor and outdoor spaces. This results in higher indoor heating and cooling requirements, meaning higher energy bills.

Stonebridge Roofing, Waterproofing, and Exteriors are one of the leading roofing companies serving communities in Jacksonville. Give us a call at (904) 262-6636.

3 FAQs About Roofing Insurance Claims

Sep 8, 2020

After a storm hits, it is usually the roofing system that sustains the most damage. Even though there are preventive steps you can take, like installing a weather-resistant system, your roof will still be exposed to sharp hail, high winds, torrential rain, and other harsh elements that wear it out. That said, it is crucial to get roof insurance to mitigate losses resulting from roof damage.

Today, we answer some of the most frequently asked questions about the roof insurance claims process.

1. What does your roof insurance policy cover: The most efficient way to find out what is covered in your insurance policy is to directly contact your insurance representative. The company considers the age of your roof when determining the extent of roof damage that will be covered. If your roof is less than 10 years old, then it is possible to receive coverage for all storm-damaged roofs. On the other hand, if your roof is more than a decade old, a depreciated value of the damaged roof may be reimbursed to you. Ultimately, the insurance company will send an inspector to assess and verify your claim.

2. How to get a new roof from insurance: If your roof is completely damaged, a roof repair is obviously not going to cut it. This means that a roof replacement is clearly due, and that leaves many people wondering if the insurance company will pay for the expensive costs of a new roof. Make sure to follow the established insurance claims process to avoid delay or refusal of payment from the insurer. Hiring local storm restoration contractors will help you. They will handle all the paperwork and ensure that all damage is accounted for.

3. What should I do if the contractor’s estimate is higher than the adjuster’s: This situation typically occurs when the adjuster misses out on some of the damaged parts of the roofing system. Fortunately, this can be easily resolved by providing the necessary paperwork, measurements, and pictures that depict the extent of damage right after the storm hit. The insurance company will review these documents and send a check for all the additional repairs.

Stonebridge Roofing, Energy, and Exteriors is a premier source of home improvement solutions. We work with residential clients and provide roof replacement, siding maintenance, home exterior waterproofing, and more. Call us at (904) 262-6636.

Storm Damaged Roof – Tips you should follow

Mar 4, 2020

Your roof is your home’s main line of defense against extreme weather and temperatures. While roofs are meant to keep you protected during a storm, it can still get damaged from high winds, hail, or debris. However, signs of roof storm damage aren’t always apparent. This is why you should get an inspection from professional roofing contractors following a weather event.

Here are steps you should take if your roof suffers from storm damage.

Safety First

Make sure that the weather has cleared, and it’s safe to go outside before inspecting your home’s exterior. Beware of possible hazards on or near your roof even if the conditions are clear. While waiting for your roofer, walk around your property, and look for fallen trees or debris, loose or damaged shingles, and ice dams if you recently experienced a winter storm.

Check for Signs of Water Damage

When left unaddressed, water damage and leaks can cause mold growth, which can be harmful to your home’s structure and family’s health. Check your gutters for clogging and water buildup. When your gutters are clogged, water won’t be directed properly away from your home, which can cause water damage. See if the paint on the exterior and exterior walls is peeling, cracking, or bubbling. Excessive moisture can also cause the shingles on your roof to crack, curl and break.

If you notice these signs, make sure to immediately contact a roofing contractor. Never attempt to repair your roof on your own. Roof replacement and repairs are best handled by professionals. It can be dangerous to climb on a roof, especially after a storm.

Know What Your Insurance Policy Covers

Homeowners’ insurance usually covers roof damage due to situations outside of a homeowner’s control like storms. When filing an insurance claim, you must document any damage that occurred on your home because of the storm. To confirm what your policy does and doesn’t cover, contact your insurance provider. It’s also important to work with a roofer with experience in storm damage claims.

Stonebridge Roofing, Waterproofing, and Exteriors is one of the best roofing companies in the area. We’ll document the damage with photos and help you with the paperwork for filing your claim. We can also be there during your appointment with your adjusters to ensure they see the same damage that we found. Call us at (904) 262-6636, or fill out our contact form to get a free quote.

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