Why it gets missed
A creased shingle looks fine from the ground.
This is the damage type homeowners most often assume they don’t have. There’s no dramatic hole and nothing obviously wrong from the street, so nothing gets reported — and the claim window closes.
Then it rains sideways, water gets under an unsealed tab, and a leak appears months later that no longer looks connected to a storm. The directional pattern is the evidence, which is why we photograph damage with orientation noted.