Determining Hail Damage On A Metal Roof, From Consultants To Courts

Imagine this scenario: You are a claims professional who arrives at a building to evaluate whether or not there is hail damage to a metal roof. After gaining access to the roof, you observe a few shallow dimples in some of the roofing panels when the lighting is just right. No leaks have been reported, and the roof is otherwise unaffected. You recall something once mentioned in a continuing education class about roof damage equating to a loss of service life or water shedding capability. Is this the standard to follow? What does the policy in force say? In other words, how do you determine the existence of damage to a metal roof?