Why Fishers roofs fail where they do
Wind does not peel a roof from the middle. It gets under an edge and works inward, which is why the damage we photograph in Fishers concentrates at the hip and ridge caps, the rake edge and the first course above the eave. Homes with long south-west facing elevations across open water take the most of it, and that includes plenty of houses that are not on the shoreline at all but sit downwind of it.
The single most skipped detail on a builder roof is the starter course, and it is exactly the detail wind exploits. A proper starter runs a dedicated strip along the eave and up the rake with its adhesive band positioned to grab the tab above it. The cheap substitute is a field shingle turned upside down, which puts the sealant in the wrong place and leaves the first course held by nothing but nails. It survives ordinary weather for years and then loses a whole rake edge in one gust.
The second Fishers signature is ventilation that was built to cancel itself out. A great many houses here have a continuous ridge vent and open gable vents at the same time. The ridge vent then draws its air from the nearest gable opening instead of from the soffits, so the far end of the attic never moves air at all. It shows up as uneven shingle ageing across one plane and staining on the underside of the deck, and it is a correctable thing that most replacement bids do not mention.
Newer Fishers subdivisions have added a wrinkle nobody was dealing with fifteen years ago: rooftop solar. Reroofing under panels means a removal and reset, a fresh look at every mounting penetration and its flashing, and coordination with whoever holds the panel warranty. It is very doable and it is not free, and it belongs on the proposal as its own line rather than as a surprise.
Older Fishers is a different job entirely. Sunblest and the streets around the Nickel Plate District date to the seventies and eighties, with smaller, simpler roofs that are often on their third covering. There the questions are layer count and decking condition, not wind uplift at a rake.
And the low single-story hip roofs common in the age-restricted communities look easy from the street, but they carry long hip runs and a lot of penetrations for their size. Hip caps and boots are where those roofs go, not the field.