Bay Roan

So I have a bay Standardbred. She'll be 9 years old in November.
She got white flecking everywhere on her body, but the black on her legs, and the moon on her face. It's not a LOT of white, but it's there. There's also random white hairs in her mane and tail. Year to year, the white shows up a little more. I know that there is such a thing as a bay roan, I've also heard that if one of a horse's parents was a grey, they could turn grey at any point in their life.
What do you guys think?
I want to know what to call her, a bay or a bay roan?
In the picture you can kinda see it on her neck. She has a lot on her butt too, but it's in the darlk.

She is a bay. It is not uncommon for horses to have white hairs flecked through their coats. It is more common in chestnuts, but can happen in all colours. I don't think she is greying - you would generally see that first in her face, and she shows no other signs. If she had no other dense area, I would wonder if that area on her withers was injury related, but since you say it's on her butt too, I doubt it is.

I'd say she's just a plain bay. Bay roams look like this:
http://www.whitehorseproductions.com...s/roan_bay.jpg

The white hairs may be grey coming in but I could be wrong. Do you know her parents colors at all? Does she have a face marking? If so do you have a picture? I've noticed that a lot of greys will have a blurry look to face markings. Her tail should have some white in it too if she were graying.
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I worried about that spot, but it's been there since I got her two years ago. She was hardly ridden previous to me.
I had not seen her after a few months and the white on her withers and butt had gotten MUCH more noticable. She's just quirky. There's a lot of other bays at my barn and none of them had a white. I thought maybe she was just a little more special<3 hahahah

Here's her face(:

I'll have to get a picture of another horse at my barn. He's definetly a bay roan, but there's not THAT much white. More than my horse though

Definitely not greying. Just weird white hairs

Yay<3 haha
Thanks guys((:

Subbing bc I want to see pics of the horse at the barn

I'll take pictures of all of them
Actually I have all but the one I want you to see