Research Roofing Companies And Hire The Most Reputable
After you submit your roof insurance claim, seek out a reputable roofing company with insurance claims experience to perform a roofing inspection. They can look for damage and compile a report for your insurance agency. If you dont hire professionals for the inspection, your insurance company may pay someone to inspect the roof on their behalf. Because this third-party inspector represents the insurance agency, they may try to find any reason to deny your claim. However, by taking charge and hiring your own inspectors, you give yourself the best chance to get your insurance to pay for your roof repairs.
But how should you choose a roofing company?
First, look for a company that provides both roof replacement and roof installation services for the most common roofing materials in Florida, including shingle, tile, and metal roofing. A reputable roofing company should also have a website and Google My Business page with reviews from other customers.
Make sure the roofers you choose have experience in dealing with insurance claims, as this will make it easier for them to communicate with your insurance agency and offer proof that your claim is valid.
A reputable roofing company will replace your roof correctlywithout causing more damage or charging you an unreasonable amount. If you choose roofers with a poor reputation, then your future insurance claims could actually be denied due to improper previous installations.
Request A Copy Of The Receipt From Roof Replacement Company
The previous owners may remember the roofing company that replaced the roof. However, they may have discarded their copy of the receipt. If you have the name, you can contact the company and ask for a copy of the receipt or perhaps request that the previous owners do so. Roof installation companies tend to keep records of all the work they perform.
Ask The Previous Owners
Once you have closed on your home and moved in, you shouldnt cut off all contact with the previous owners. Most homeowners dont mind answering any questions you may have about the state of the house, including when the roof was last replaced. You can usually make such inquiries without going through a lawyer. If the previous owners were in the house a long time, then they probably know when the current roof was installed.
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Special Considerations For Roof Coverage
If an event causes dramatic damage, such as the roof crashing down, developing a major hole, or if its torn off entirely, youre likely to be covered. Whats more problematic are instances when the damage is less dramatic, even if an act of nature caused it.
Lets say a violent thunderstorm nicks a bunch of your roofs shingles. The insurance company may classify that as cosmetic damage, and not cover it. Or lets say that, after the storm mentioned above, you notice your roof has become leaky.
Even though the rains triggered it, the insurance company might claim thats a general wear-and-tear problem reflecting your roofs gradual deterioration .
Ironically, any water damage to your walls, floors, or furniture, caused by the leaking roof would probably be covered under the all-perils section of your policy. However, the roof repair itself would not be.
As we know, insurance can be a real pain. As your roofing contractors, we can make things easier because we only install roofs that are likely to be covered by your plan. Lets now consider the steps you should take when filing an insurance claim for a roof replacement.
Installing A Roof Overlay
When you get a roof overlay, your existing roof stays as is, while your roofing company lays new shingles on top of it.
Naturally, getting a roof overlay is less complicated than getting a whole new roof installed because it doesnt involve removing the whole roof from your house.
Instead, a roof overlay just involves laying a new roof over your existing roof.
A roof overlay can help solve some problems since it adds another layer to your roof and therefore another level of protection to your home or property, and it can be a great choice if there is only some weather damage and you want to improve the aesthetics of your property or add value to your home before you put it on the market.
You should always get your existing roof checked out to ascertain if the current shingles arent too damaged and there is no major mold, rot, or previously existing leaks that have since been repaired, if the decking is sound, there are no sidewalls where flashing is needed to join the roof to the building, and there are no other major issues, before you decide to go ahead with installing a roof overlay instead of a completely new roof.
However, a complete roof tear-off or roof removal does cost more, and in many cases, might be the better choice, especially if your roof has been fixed before.
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Missing Shingles Dryhome Has You Covered
Whether you decide to match shingles or go for a full replacement, DryHome will work hard to get you a look you love while working within your budget. If we can replace shingles in an appropriate and aesthetically pleasing way, well do it. And well have our team up on the roof before work begins to make sure things look right. If a full or partial replacement makes the most sense, well work with you to file an insurance claim and replace your roof with high-quality materials that will last and look terrific.
Less Risk To Landscape
A roof replacement is a major project, and while we work hard to protect the lawn and property of each house we work on, there is always the risk of damage occurring. In January, lawns are typically dormant, bushes arent in bloom, and patio furniture is usually in the garage. This is ideal for roof replacements because it makes protecting your property that much easier.
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Whats Included In A Roof Replacement
When the time comes for a roof replacement, it will entail much more than just replacing shingles. Heres what you can expect from the process:
1. TEARING OFF SHINGLES
If your shingles are cracking or curling, we will likely recommend a full roof replacement. This means tearing off all the shingles down to your roof decking.
2. DECKING INSPECTION
After tearing away the shingles, we will inspect the roofs wood decking to determine if it needs repairs or has deteriorated enough to warrant replacement.
3. UNDERLAYMENT REPLACEMENT
We will replace your roofs underlayment, a water-resistant barrier placed directly over the decking. The most common underlay material is roofing felt with asphalt for its protective layer.
4. NEW FLASHING
Roof valleys, skylight and chimney perimeters, and other areas where runoff is heavy need extra protection from flashing, a rustproof material to protect these vulnerable areas.
5. ICE DAM AND DRIP EDGING PROTECTION
Finally, we will install new metal drip edging along the edges of the roof, including the eave sides. In addition, we can also install a water and ice barrier to protect against melting ice backing up under the shingles.
How Much Does A New Roof Cost
It is difficult to say how much a roof replacement costs. Many factors go into the cost of a new roofing system. Some of them are:
- Roofing materials: Depending on what type of roof you want, the price can vary greatly. If you have a slate roof, tile roof, wood shake, or an asphalt shingle roof, the price can differ. Metal roofs typically cost more than most roofs but will also last longer. Check out our article, The Pros, and Cons of Asphalt Shingles, to learn more about asphalt shingle roofing materials.
- The size of the roof: The more square footage, the higher the cost.
- The roof design: The more intricate the roof’s design, the greater the degree of difficulty it is when you need to replace it.
- A complete tear-off, or an overlay: A tear-off will last longer than an overlay will, but the tear-off will increase the cost. You can only use the overlay option if your roof hasn’t already had it done.
All these factors can affect the price of your roof replacement. At TK Roofing & Gutters, we have the experience to help walk you through all of your options. Our roofing contractors will give you a detailed breakdown of what your roof needs and the best roofing systems available to you.
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How Long Does A Standing Seam Metal Roof Last
A standing seam metal roof system is a series of panels that are locked together at the seams or seamed mechanically.
This allows for panels to expand and contract freely when the metal heats up and cools down. Because of this, a standing seam metal roof is the recommended metal roof for residential purposes.
You can expect to get around 30 years out of a standing seam metal roof and even up to 50 years in the right conditions. The reason for its durability comes down to the painted finish on the metal panels.
Your new standing seam metal roof comes with a 30-year paint warranty on the Kynar 500 finish on your metal panels. Even though the paint has a 30-year warranty, it doesnt mean its going to disappear after 30 years.
It Depends On What Caused Your Roof Problems
A typical all-perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged. That’s the good news. But usually, you’re covered only if the damage or destruction results from a sudden accident or act of nature. Problems that ensue from general wear and tear or from a roof that has exceeded its intended life span are not eligible for reimbursement because they fall under the general maintenance responsibility of the homeowner.
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Finding Out The Age Of Your Roof
Unless you have designed and built your home from scratch, you will need to investigate the age of your roof. In addition to planning for its replacement, knowing the age of your roof can help you anticipate problems you may encounter and what you can do to prevent them.
With these goals in mind, there are a few ways to find out the age of your roof.
Will A Roofer Replace The Fascia And Soffit During My Roofing Project
You may or may not need the roof framing repaired and strengthened, sheathing replaced, or soffits, facia, flashing, etc. replaced at the same time as your roof. In most cases, it is unlikely that you will need an entirely new roof with everything replaced, but certain parts of your roofing system might need repairs made to prevent leaks after the new roof has been installed.
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Roof Tile Replacement Cost
Roof tile replacement costs between $1,400 and $1,600 per square on average for concrete tile, Spanish tile, and clay tile. Tile roofing tends to weight a lot and will cost $1,000 more if your entire roof framing needs an upgrade to support the extra weight.
Clay Tile Roof Cost
Clay roof tiles are right up there with entry-level copper in regards to price, which averages around $1,500 per square. The average cost to install a new clay tile roof costs between $15,000 and $45,000 depending on your roof size.
Concrete Roof Tile Prices
Like clay tiles, concrete tiles also carry a $1,500 per square price, with the average installation costing $22,500 to $30,000. Depending on the current structural integrity of the roof framing, it is possible some repair or strengthening work will need to be done on the rafters to support the extra weight of these heavier products.
Spanish Tile Roof Cost
Spanish roof tiles generally have a little more design to them than entry-level clay or concrete, and you can expect to pay in the region of $1,500 to $1,600 per square for the install, and around $1,000 first if your entire roof framing needs work to support the added weight.
Keeping A Roof In Good Repair
Keeping a roof in good repair should keep you ahead of the curve when it comes to weatherproofing qualities and spot early any signs of trouble, potentially saving you from a large bill. Here are some easy steps any householder can take to look after their roof.
- Make regular inspections from street level particularly after a bad weather event. Look out of for missing, broken or lifted roof shingles
- Keep rainwater goods functioning and in good repair, they should be cleared of moss, leaves and debris at least twice a year
- Look out for moss or mildew on the surface of the shingles and arrange for a roof clean to remove it. If you dont, bacteria and fungi can proliferate and gradually destroy the integrity of the roof materials
- Have your roof checked at least annually by a professional roofing contractor who can inspect the parts you cant reach or see. Many people do this as part of gutter clearance work on a seasonal basis
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Roofing Labor Cost Per Square
With a few different variables at play, roofing labor is generally between $1.50 and $3.00 per square foot. If your roofing professional is using Per Square in the bid , their prices for labor will reflect this multiplied out by 100 to show between $150 and $300 per square. According to the United States Census, the average roof is 17 squares or about 1,700 square feet.
Will My Insurance Cover A Full Replacement For Missing Shingles
Should insurance cover a full roof replacement if matching shingles arent available? That question has been the subject of debate in the roofing and insurance communities and fodder for more than a few legal disputes.
In most cases, insurers are required to replace missing shingles with same quality materials, but that doesnt necessarily mean they have to be the same color. Experts also note that if your shingles are discontinued, you may have a better case for a full replacement. Here are a few steps you can take to be proactive:
- Reread your insurance policy before damage occurs to get a handle on what your options are if shingles are lost.
- Some policies are now covering full roof replacement in the case of partial damage, so it pays to shop around when looking for homeowners insurance.
- Finally, grab a photo of your roof now for a before-and-after comparison following a weather event.
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How Can I Blend Existing And Replacement Shingles
- If youre looking to blend new and old shingles, saving shingles from your original roof installation is an excellent first step. If fading isnt dramatic, your contractor may be able to achieve a uniform look with the same materials.
- If shingles have faded, try going a shade lighter with the same manufacturer. Your roofer should be willing to get up on the roof and help you compare before you decide.
- If youre having trouble getting a good match, replacing a section of the roof is an option. Partial replacement is less expensive than replacing the whole roof but doesnt create the same spotty look that patch repairs can.
Other Forms Of Finance
Some homeowners will approach their mortgage company and try to raise capital either with a new mortgage package if they have enough equity in their property or by asking for a loan to carry out home improvements. This can be a good way of spreading the cost as the money is usually advanced over the remaining term of the mortgage so it is quite affordable on a monthly basis. Also, lenders can see the uplift in the value of the house once the works are complete.
Roofing contractors may offer their own finance scheme linked to a third-party provider and there are also some local government schemes or community initiatives which offer incentives to those looking to repair or replace their roof with eco-friendly materials which can help mitigate the cost.
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What Is Home Improvement
In a general sense, improving the condition of a home or apartment can include so many repair or replacement tasks. However, in regard to tax deductions, this means making upgrades that extends the life and the value of the property. Therefore, dont think of home improvement as a quick repair or small fix that you may get done from time to time in your home.
Unlike home repairs, home improvements are expensive and they add significant value to the property for several years in a row.
Home improvement includes enhancing or redesigning an existing space for new use. If you add a new space or object to your home, this will also fall under the home improvement category. Making upgrades to an existing space or object in your home or apartment is also considered home improvement. Typical examples of replacing a roof or installing a new roof, renovating the kitchen and remodeling the bathroom are some typical examples of home improvement.
Hire A Roofer That Will Fight For You
If the insurance companys offer doesnt pay for a replacement roof of the same quality, engage a good contractor to be your advocate. They will contact your insurer and press for more money so that they can do the job right.
Youd be surprised how well this strategy works. No insurance company wants contractors to spread the word that it wont take care of its customers.
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