Does Homeowners Insurance Cover Roof Damage
Here are some common instances of when your homeowners insurance policy will or will not cover roof damage:
- Damage Stems From Storm / Wind / Hail – if the damage to your roof is the result of a storm, high winds, or hail dents then your homeowners insurance will likely cover the cost of the damage for either the repair or full replacement of your roof.
- Damage Stems From Fire – if the damage to your roof is the result of a fire, then your homeowners insurance will almost certainly cover the cost of the damage.
- Damage Stems From Gradual Deterioration – if the damage to your roof is the result of natural wear & tear, most homeowners insurance policies will NOT pay to repair or replace the roof even if you have homeowners insurance.
To maximize the chance of getting your claim approved, make sure to keep records of repairs, before-and-after photos, and reports from inspections.
One of your most important next steps is to call a storm restoration specialist who can give you a free roof inspection and report.
Dont Delay Roof Replacement
As a Westminster Maryland roofing company, we understand that when we tell you that you need a new roof, this type of news is rarely taken with enthusiasm. A new roof is a big expense, but its also a necessary one. Your roof protects your entire homeand not just from rainbut from wind, sun and temperature changes. A leaky roof can lead to interior damage, as well as cause increased heating/cooling costs due to being drafty. The longer you wait to replace, the more damage you may have to fix in the end.
Contact us today for a free estimate on roof replacement.
Exploring The Three Types Of Roof Warranties
Whether youre shopping for a cell phone, a car, or new kitchen gadget, you feel some piece of mind when thereâs a product warranty included. Thatâs why , when you have work done on your roof, youâll want to make sure you receive the best roofing warranty on the market.
Since your roof is a big investment, youâll want to make sure you receive a high-quality repair or replacement backed by the best roofing warranty available. The best roof warranty helps make sure youâre covered in the event of installation errors, defective materials, and more. Although it may seem as though theres a wide range of roof warranties, there are really just three main types:
In our 30+ years in business, one of the most common problems we see over and over again is homeowners not knowing enough about roof warranty options to choose the right coverage for their homes. Because of this, we always give our customers a thorough rundown of their warranty options. Today, weâd like to share that information with you.
Lets take a closer look at the coverage provided by each type of roofing warranty and explain what it means in practical terms.
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What Goes Into Estimating The Cost Of A New Roof
In the Maryland area, traditional 3-tab asphalt roofs are the most common and affordable roofing option. The average house size in Maryland is roughly 1,900 square feet, with older homes being smaller. A 3-tab asphalt shingle roof replacement will cost between $3.50 and $5.50 per sq. ft.
According to a Remodeling Cost-vs-Value report in 2020, the installation cost for a typical 25-year asphalt shingle roof in Baltimore averages $24,700. This price includes the cost of materials including underlayment, flashing, and vent caps, removal of the old roof, dumpster and disposal fees, permitting fees, and labor costs.
How Long Does The Average Roof Last
You depend on your roof to protect you and your property from the elements.
No matter how sturdy your roof is or how often you have it serviced, no roof will last forever. When you need a replacement, it is important to find a qualified company.
There are certain steps you can take to help prolong the life of your roof. If you think you may be nearing time for a replacement, or youre concerned about problems with your roof at the moment, it is wise to be aware of all the factors that can wear it down and shorten its lifespan.
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How Long Should My Commercial Roof Last
The roof is one of the most overlooked yet essential portions of the building that you run your business out of. When it is working as it should, it is out of sight, out of mind. But when there are issues, you can t help but notice it and nothing else.
Knowing how long you can expect your commercial roof to last can help you make preparations for repairs or a replacement instead of having it sprung on you at a moments notice. Roofing replacement or repair can cost quite a bit of money and is something that can be catastrophic without properly saving and planning.
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Signs Your Roof Needs To Be Replaced
Sometimes your roof will need to be replaced prematurely. Besides what its made of, the lifespan of your roof will also depend on things like weather and maintenance. Your roof can begin to show signs that it needs to be replaced.
Holes and Leaks
If your roof has holes big enough to see sunlight shining through, it may be time to have your roof replaced. Even if the hole isnt big enough to see sunlight, small cracks and holes still allow moisture inside your home and can negatively affect your roof.
Have you noticed stains on your walls or ceilings? It can mean that your roof is significantly damaged and will need to be replaced soon. Puddles in your attic are also a good indication that your roof needs to be replaced.
Exterior Roof Damage
Sometimes you can tell from your roofs exterior that it needs to be replaced. Cracked, rotten, missing, or otherwise damaged shingles are all indicators that your roof should be replaced.
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Types Of Maryland Roofing Materials
Of course, one of the biggest factors that determine a roof’s longevity is the materials it’s made of.
Let’s take a look at some of the common materials used for roofing in Maryland to see how they compare.
One of the most popular choices for roofing is asphalt shingles because they are extremely durable, affordable, and bring a classic look to a property. With proper installation, asphalt shingles can last anywhere from 15 to 30 years.
Similar to asphalt shingles, wooden shingles can also last up to 30 years if they are not severely damaged. This material does require more upkeep, so you will have to maintain wooden shingles to preserve their lifespan. Since they are made of wood, they can be susceptible to rot, mold, and insects however, these shingles are typically made of resistant wood such as cedar.
Clay tiles are highly durable and are generally a one-time purchase. It’s rare that clay tiles will need to be replaced, but this material can be a large investment. Clay tiles are easy to maintain, and they can last 50 years or more with the right installation.
Metal is one of the most durable materials used for Maryland roofing. It has one of the longest lifespans, sometimes lasting for several decades. Investing in this material will probably be a one-time purchase as well.
How Long Does The Second Layer Of Shingles Last On A New Roof
A shorter lifespan it is! When you lay new shingles over existing shingles, they wont last. Also, the same happens when youre laying asphalt shingles over a rotting roof decking.
Moreover, a shingle roof with double layers retains more heat. The extra heat speeds up the deterioration of your existing roofing. On average, roof overlays last for 16 years.
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Need A Roof Warranty Heres What You Need To Know
Is it time to replace your residential roof? This process involves more than simply choosing the right contractor and roofing materials. You also need to consider which roof warranty is best for you.
If your roof suffers damage, youll be relying on the associated warranties, so it pays to understand these warranties for your existing roof. That way you have a better grasp of the types of warranties being offered when youre ready to compare bids on a replacement roof.
Screw Down Panel Metal Roof Lifespan
Screw Down Panel Metal Roofs or exposed faster systems still last a long time, but not as long as a standing seam metal roof. Unlike the standing seam metal roofs, the fasteners are exposed and are really not meant to be installed above liveable space. Exposed fastener roof systems are meant more for barns or pole buildings. Screw down panels need to be sealed at year ten and need to be maintained frequently. Screw down panel metal roofs typically have a lifespan of around 25-30 years, but that lifespan can decrease depending on installation, maintenance, and weather conditions.
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How Long Does A Commercial Roofing Project Take
Commercial roofing projects are usually fairly large projects that typically take some time to complete. When it comes to commercial roofing, you need to keep your tenants or employees in the loop. This is because your tenants or staff need to get back to business as usual. When your commercial roofing project is going on, your tenants customers may be inconvenienced. Or, your employees may have to deal with the noise of nail guns and hammering all day. So, knowing how long the project is going to take is very helpful for them. In this blog post, we explain how long commercial roofing usually takes.
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Tearoffs: Reliable And Long
This complete roof replacement method happens by tearing off your old roof. After doing so, youll install a new roof.
All-new material. Youll replace all the roof parts with new material with a roof tear-off. So if your underlayment or decking is deteriorating, youll solve it. Also, your roofer can check and repair any leaks. Doing so protects your home from rot and mold.
Upgrade options availability. Construction companies dont go for high-quality materials always. For that reason, if youve bought an old house, you can upgrade its roof.
Greater durability. A roof built from all-new materials lasts longer, unlike older roofs. Thats because older roofs have been susceptible to harmful elements for decades.
Longer lifespan. New and properly installed shingle roofs last between 20 and 30 years. A longer lifespan means the roof can outlast an overlay shingle by a decade.
Increased property value. A new roof adds about $10,000 to your houses resale value. Also, it makes your selling point stronger. Thus, a tear-off is brilliant if you plan to resale the house soon.
Higher costs. On average, tear-off roofing jobs cost 25 percent more than overlay roofs. Also, youll need extra labor to tear off and replace your existing roofing material. In addition, youll need to properly dispose of the old roofing material, which adds up to the cost.
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Factor In The Material
The materials used to make a flat roof play a large part in determining its lifespan. A multi-layer built-up roof consisting of waterproof material, hot tar and gravel can last for 15 to 20 years. Roofs consisting of three to five layers of modified bitumen have a slightly shorter average lifespan of 10 to 15 years. These materials are heavy and may not be the best choice for every building.
Lightweight single-ply roofing can last for as long or longer than layered roofs depending on the properties of the material, the design of the roof and reliance on commercial roof repair. EPDM and TPO roofing generally last anywhere from 10 to 20 years, while TPO roofs have stronger seams than EPDM roofing. With proper maintenance, a PVC roof can last up to 30 years.
Have More Questions About Roof Lifespan
Do you have any more questions about roof lifespan? Not sure when to get a new roof? Need a roofing company in North Wales, PA?
Look no further than Volpe Enterprises. Were well-versed in the replacement of residential roofs, having replaced thousands over our 50 years of existence. Regardless of the material youre hoping to use, our skilled and friendly team can accommodate you. Contact us now to get the ball rolling!
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How Often Do Metal Roofs Need To Be Replaced
Metal roofs last for a long time, but they won’t last forever. The length of time they last depends on different elements, from the type of shingles you have to what severe weather your roof has endured.
Most metal roofs won’t need a replacement for at least 50 years or more. However, it’s still best to get your annual roof inspection. If there has been severe damage to your home that poses a risk to you, contractors will inform you of whether repairs will do the trick or if it’s time to consider installing replacement shingles.
Why Is Roof Replacement Essential Maintenance For My Home
Your roof is essential to the value and security of your home. The roof can protect you from storms and severe weather, along with many other outdoor elements that your house is exposed to daily. One of the most common reasons roof problems arise is due to neglect or inadequate care.
Maintaining your Maryland roof each year will help you prolong the life of your roof. Also, routine maintenance will let you know when your roofing system is reaching the end of its lifespan. A roof replacement in Maryland can boost your homes aesthetics, curbside appeal, and value before you put it on the market.
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When Does My Roof Warranty Expire
Every roofing warranty has different expiration date. It depends on the company that installed the roof and what roof materials were used.
A manufacturers warranty will often vary between 20- and 30-year shingles. If you buy a lifetime warranty, ask what is considered a lifetime. A lifetime, by warranty terms, may only be 30 years.
You will also want to ask if there is proration associated with your roof warranty. Proration refers to the exponential decrease in value of an object over time.
Lets simplify that: With a prorated roofing warranty, the value remaining on your roof will decrease over time. Ten years into a prorated warranty, the warrantor might only cover 60% of the associated costs of repair even if the repair is due to their defect.
How Long Does A New Roof Last
When you start shopping around for a roofing contractor in Texas to install a new roof, its only natural to ask how long it will last. After all, a roof is a significant investment. You want whichever materials you opt for to be some that provide years of protection.
If youre asking this very question, well shed some light on how many years of faithful service you can expect from your new commercial or residential roof.
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What Warranties Dont Cover
Warranties protect against defects in the material or workmanship they dont warrant that a product will work correctly, especially if there are outside events that affect the products performance.
For example, a 10-year warranty on a car means that its made out of normal, good-quality materials that are put together correctly. It certifies that if a problem occurs within the first 10 years that seems to have been caused by a defect in a part or a problem with how the car was manufactured, the maker will handle repairs. A keyless entry system that stops unlocking after two years may be a warranty issue. The warranties dont mean that the manufacturer certifies that the car is going to run for 10 years if you never change your oil, your engine will likely stop working long before the warranty expires.
In the case of a roof, damage caused by natural deterioration, storm damage, or other external events is not covered by product or workmanship warranties. This kind of damage may be covered by a home warranty or your homeowners insurance, however.
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How Much Does A New Maryland Roof Cost
The roof of your home is single-handedly the most important part of your homes exterior, especially in Marylands humid climate. Not only does it keep the inside of your home dry by keeping the rain out, but it also protects your home from other elements such as snow, wind, wind-driven rains, heavy downpours, and also prevents pests. For the roof to work properly, it needs to have all the manufacturer-required underlayments with the main component being ventilation. The only exception to not having ventilation is if the roof has an application, like spray foam directly to the rafters. Having a well-maintained roof also helps the curb appeal of the home, which can boost the sale price. A roof that is in good condition is necessary to keep the home a livable structure and is your first line of defense against the elements. Below you will get an idea of how much a new roof will cost with our roofing cost calculator.
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