Hail stones will sometimes physically bruise or break the fiberglass mat on the shingle, taking the life out of the roof. Most often, we see an impact mark which normally resembles the look of a star pattern, as the impact area was hit with such a force, the hail stone disberses from the impact mark out. UV rays from the sun will break down the open fibers eventually causing a leak, or several hundred on the roof. This is why insurance companies are compensating for the loss because in time they would be replacing many things inside the home. Those items could include sheetrock, paint, insulation that has been saturated (mold), electronics, hard wood floors, etc.