Do I Need My Roof Replaced, and Will Insurance Cover It?

Do I Need My Roof Replaced, and Will Insurance Cover It?

Every type of roof has an expected lifetime.  As a rule of thumb, any roof over 15 years of age maybe reaching the end of its expected lifespan and should be closely inspected yearly for damage and aging. Deterioration of the roof can cause damage to almost every area of your home, from the attic insulation to the sheet rock in your walls and ceilings. Remember if water gets in, bad things will occur! That is why when it comes to home maintenance most experts agree you should start with the roof. But, you might have just been through a major storm and are asking, “Do I need my roof replaced and will insurance cover it?”

As a homeowner, you can do a visual inspection from the ground. Look for lifting or missing shingles, shingles that are “cupped”, and bent flashing around chimneys or vents. A closer inspection is required to verify loss of the granule coating covering the surface. If you have a low roof, with a relatively flat pitch and there are no power lines in the way, this is a job most homeowners can tackle. If you are looking at a steep roof or your roof is more than two stories tall, a professional should be called.

If the inspection shows damage to one quarter of the shingles or more (Or extensive damage to one area), a roof replacement might be advised. You can expect to pay as much as $10,000 or more depending on the type of roof you select and the size and difficulty of the individual job. Here is a handy site for a better estimate.

If your shingles are in good repair, continue your inspection to make sure your rain gutters are tight and clear. Check the caulking around skylights roof vents to make sure they are sealed.

Look at the overall picture of your roof deck. Check for sagging that would indicate a problem with the structure.

It’s never a bad idea to check the inside of your attic for water stains that would indicate water infiltration or collection. This might be caused by a ventilation problem, allowing excess moisture to build up in your attic.

If you find you do need to have your roof replaced, make sure you use a licensed and bonded repairman.

While you are doing the yearly inspection of your home, it is also a great idea to talk with your insurance agent for a review of your home coverage. Most homeowner insurance reviews are free and should be part of your yearly to do list. Your agent can recommend changes to your deductibles and specific coverage enhancements tailored to your needs. If you suspect damage to your roof was caused by windstorm or hail, your agent is the best place to start for repair.

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.

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A college graduate with a firm grip on what he didn’t want to do; Clarence has managed electronic stores, restaurants, and security departments. In 1989, he joined his brother and established one of the first groups of independent insurance agent clusters. From that point on, Clarence has not done anything he considers work.

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