A hail inspection report usually lists findings by roof slope, with terms like “bruising,” “mat exposure,” and “collateral damage” that don’t mean much if you haven’t seen one before. Bruising is a soft spot in the shingle mat, often not visible until pressed. Mat exposure means the granule layer has been knocked off down to the fiberglass base — this is the finding adjusters weigh most heavily, since it accelerates water intrusion. Collateral damage covers everything else hail affects: gutters, vents, flashing and AC condenser fins are common examples.
A report worth acting on documents findings by specific roof section with photos, not just a summary count. If your report is a single paragraph with no section breakdown, ask for a more detailed one before filing a claim.