Does insurance pay for new roof?

Your house is one of your most significant investments, and not only due to the cost you incurred building it, but also, it is where you call home. You have probably had your family here for the longest time and have made great memories that you wouldn’t trade for anything. So, it’s not fun to wake up and find it blown off or wiped out.

But how do you ensure that your house is safe, especially when it comes to the roof?

The roof is one of the most critical parts of your house, yet it has the most risk of exposure to elements and damage. It can get destroyed by anything ranging from catastrophic weather, theft, or an unfortunate accident. That is no wonder why most insurance companies are skeptical when it comes to covering roof damage.

However, the good news is that homeowners insurance does cover roof damage. It is nevertheless quite a complicated process once you begin the claims, and if you are not careful, your insurance company may end up paying less than what you claimed, leaving your family in shambles.

Not to worry, I’ve got your back. I’m here to make sure you get the most out of your insurance cover. Read on to understand how roof coverage works.

In most cases, your insurance will cover the roof if the damage is due to an act of nature or an unfortunate and sudden accident. It is, however, good to note that each situation is different. If, for example, after a storm, you discover that your roof has been leaky or shaky, the insurance company may refuse to pay the damages and term it as wear and tear due to neglect.

Also, note that roofs that are over 20 years old get limited coverage, that is, if you are lucky even to get anything. Other policy exclusions include neglect and improper maintenance.

So, to prevent these roof problems, make sure you hire a professional from time to time to do regular inspections. If there is any wear or tear, consider fixing it early to avoid extreme damages. Also, ensure that your roof does not hold or collect water, and if trees are hanging over the roof, it is good that you trim them back.

Finally, to ensure that your claim gets approved, always keep records of all the repairs done, take photos before and after repairs, and don’t forget to notify your insurance company when any damage occurs. Having documentation such as receipts from previous maintenance and inspection reports will also be of great help.

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How Do I Know When My Roof Needs to Be Replaced?

The roof is an essential asset in your home since it safeguards your family against intruders and weather elements. On that account, you need to ensure that it is in excellent condition at all times. Don’t wait until you experience leakages and start using buckets to fetch water coming from the ceiling. Here are signs that your roof needs dire replacement.


1. Discolored Walls and Ceilings

If you notice water damage on the ceilings and walls, we advise you to get the roof replaced. The chances are high that there is a leak in your roof, causing the discoloration on the ceiling and walls. Therefore, you can call an expert instead of walking on the roof as it can be fatal.


2. Old Roof

If the roof has been housing you for 12 to 15 years, it needs immediate replacement. For instance, asphalt shingles have a limited lifespan as compared to metal roofs. Thus, we recommend that you install new ones since, at this point, the roof is worn out and old.


3. Loose Roof Tiles

Tiles are quite aesthetic, but once they become loose, they no longer serve the function of harboring your family. If more than one tile has come off, you can’t call for repairs since the damage is evident. Hence, we believe that the best option is to replace them for safety reasons.


4. Moss and Mold Growth

Another red flag that will alert you that the roof is in trouble is moss and mold growth. The roof could be having gaps that are letting water seep through to provide a place for the mosses to thrive. The fungi and bacteria will then invade your roof causing water damage in the long run.


5. Particles in the Gutters

Consistently checking your gutter is a prudent idea since you can see the amount of debris that your roof is shedding. If the residue from asphalt shingles is increasing, you need to have the roof replaced. Once the protective coating wears off, the roof will not serve you accordingly.


6. Damaged Flashing

Flashing is critical since it diverts water from the seams to prevent any runoff on the roof. If it is damaged or loose, water will seep and leak to the ceilings and walls. Therefore, you need to get a professional to replace the structure before things get out of hand.

This way, your home will be safe from water damage such as mildew growth and rotten wood.

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Re-shingling Your Roof

An important part of being a homeowner is to take care of your roof. You need to ensure that the roof deck, ice and water shield, and underlayment, are all in good condition. Then, you have to make sure the shingles are taken care of.

If you’ve noticed granules in your gutters, exposed nail heads, missing shingles, or dark, dirty areas of your roof it might be time to consider reshingling.

Start by considering the lifespan of your shingles. It’s been found that 30-year warranty shingles tend to last closer to 25 years. If it’s been in this time frame and you’ve noticed some other signs then it may be time to reshingle your roof.

If it is time to reshingle your roof you may be asking some serious questions.

One main question when you’re at the end of your shingle’s lifespan is if you can cover old shingles with new shingles. The short answer is yes, as long as your shingles aren’t wood or slate.

If you’re going to reshingle over old shingles take care to ensure you don’t mix materials. Only lay asphalt shingles over asphalt shingles. Some reasons why include: possibly voiding your roof’s warranty, inability to ensure your roof’s integrity, not being able to upgrade the underlayment, and it can strain your roof’s frame.

Also, you need to consider your responsibility to keep your roof in compliance with code. Some code areas do not allow reshingling over old shingles, but most do allow two layers of asphalt shingles. You can find your codes by contacting an inspector or a licensed roofer.

The long answer is that you should look at the entire condition of your roof. If any of the multiple layers under your shingles need repairing or replacing then it is best to tear off the old shingles and start anew.

Also, keep in mind that shingles are designed to lay on flat surfaces. Laying asphalt shingles over uneven surfaces can lead to your shingles peeling, and having rot and mold growth in your attic.

Remember, to keep your entire home healthy you depend on your roof. While shingles are important it is important to consider the entire health of your under roofing. If your under roofing is in tip-top shape then you can put new shingles over old ones.

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Should I Repair Or Replace My Roof?

They say an ounce of prevention is much more worth than a pound of cure. We strongly support the statement, especially when it comes to your roofing system. Timely repairs and regular maintenance go a long way in cushioning your wallet and maintaining your home’s appearance in the long run. Unfortunately, quick fixes will not resolve your issues in some instances, demanding an entire replacement.

The dilemma comes when you have to decide whether to undertake a repair or replacement. We will guide you through this confusing phase.


How old is your roof?

With adequate maintenance, your roof should live up to its anticipated life expectancy. For instance, asphalt shingles serve an average of about twenty years. Until your roof lives up to its expectancy, you might want to stick to repairs. Replace the roof once it’s too old to continue serving its purpose.


What are your budgets?

Budgets play a significant role in determining whether to go for replacements or repairs. A roof replacement is a huge investment that demands a relatively larger amount compared to most repairs. Nonetheless, we advise going for complete roof replacements if the repair costs surpass more than 50% of the roof replacement costs.


What damages are you looking at?

Over time, your roof is bound to wear and tear. Repairs are designed to tackle minor damages that can extend your roof’s lifespan. In some cases, you may notice that silent damage got worse over time, and repairing the roof isn’t an option. That’s where roofing replacements come in.

An experienced roofing contractor will look at the presented damages and determine what makes more sense between replacing the roof and patching it up.


Does your roof’s architectural integrity matter?

Some property owners prefer maintaining the original composition of their roofs to preserve the architectural integrity of the property. If you belong to this group, a roof replacement project should be your last resort after all repair efforts fail. Roof replacements most likely change the look of the property.

On the other hand, roof repairs allow you to preserve the architectural integrity of your home. Your roofing contractor should advise you best on the right route to take.


The service is urgent

As earlier stated, roof replacements are typically costlier compared to most repairs. They demand time to fund the project, explore materials, choose a good roofer, and negotiate the contract. You may want to go for a quick repair in the meantime and buy time to decide on the roof replacement.

Are you still confused about whether you need to replace or repair your roof? Don’t worry; this is common among property owners. You could use the expertise and knowledge of a qualified roofer to help you make an informed decision. In the meantime, we hope that piece helps you out.

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