Does Insurance Cover Missing Shingles
Before filing any insurance claim, consider the number of claims youve filled. And thats on your homeowner insurance in the last three to seven years. Further, insurance firms have records of claims youve made previously.
So, the premium costs will shoot if youve filled two or more claims within five years. However, filling a roof claim is worth it if the damage is extensive. The roof replacement cost outweighs the higher premium costs.
Lets examine some factors determining if your claim will cover the whole roof. Or leave you with poor records. Further, the damage itself wont decide whether the insurance firm approves the claim.
Most, if not all, insurance policies cover like-kind materials.
- If the roof shingles are no longer available or are discontinued, the insurance firm should replace them, even if a single one is missing.
- If the insurance firm cant replace a shingle with like-kind material, it may do a complete roof replacement instead. Thus, theyll likely approve your claim.
Most insurance firms recognize such claims as valid. But unfortunately, most homeowners need to know if the shingles are discontinued.
Choosing roofing companies one can trust is essential to navigating most roofing projects. Thats because they know the roofing industry well enough to understand the various options available.
Post Storm Preparation With Bluroof
Tarping your roof after a storm is one of the most important steps to take towards mitigating your home. Our BluRoof team consists of storm damage restoration experts and insurance claim specialists. We understand that your home may be your greatest investment and the precious contents of that home are just as valuable. It is important to get your Blue Tarp System installed as soon as possible to protect your homes interior and reassure your insurance company that your home will be mitigated against further damage from water intrusion, mold, and insect infestation.
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Fire And Electrical Hazards
Roof leaks increase the likelihood of accidents in your home in a variety of ways. If the water penetrates your roof, it may come in contact with electrical wiring with damaged insulation. This poses a fire hazard that could lead to more damage in your home, not to mention injuries or even death.
Leaks can also get into metal junction boxes, which could lead to electrical shocks. As soon as you see the first signs of a leak, its imperative that you shut the electrical switches connected to the affected area before to have them inspected.
Read Also: How Do You Put A Tarp On A Roof
More Tips To Maintain A Flat Roof On A Mobile Home
- Always keep an eye out for the obvious signs of damage, like water stains in ceilings and walls, or worse, dripping water.
- Be aware of the age of your roof and think prevention rather than remediation when roof shingles or other materials near the end of their viable lifespan .
- Be aware of ice back-up under roofing materials or ice dams, etc. This can be both a cause of damage and a sign that something in the roof system is not performing adequately. Mobile home roof health and safety also rely heavily on good roof maintenance.
- Any damaged portions of roofing should be repaired right away. This will prevent the spread of damage and secondary property damage or loss.
- Hire the right person for the job if you do hire out inspections and repairs. For example, hire a company that is insured and bonded and has many years of experience maintaining and repairing flat roofs. Get references and actually call them.
Assess The Roof Damage
When the bad weather has settled, youll want to assess the damage to your roof or homes exterior to see if a tarp is necessary. Signs of roof damage may include:
- Missing shingles
- Sagging areas of the roof
- Large debris damage
If you notice any of the above roofing issues, you may be at risk of water leaks. Youll want to act fast to mitigate any additional damage, and tarping can take care of it immediately. While we dont recommend this as a permanent solution, it can help buy you time while you schedule a professional roof repair or replacement.
Some tips for assessing the damage to your roof include:
- Avoid working on a windy or rainy day
- If you get up on a ladder, wear the proper safety gear
- Ask a friend or family member to monitor/hold the ladder
- Dont step on steeply pitched roofs
- Carefully clear debris with a broom or gloved hands
After assessing the damage, you may also want to schedule an inspection and start filing an insurance claim. Insurance claims can be tough to navigate, so reach out to a local company like Impact Roofing to help guide you through the process.
Read Also: How To Lift A Roof
More Mobile Home Roof Over Resources
Heres another Mobile Home Living article about roofing that may help: 8 Great Mobile Home Roofing Tips Find and Repair Leaks
This video may help, too:
If the roof on your mobile home is beginning to show its age, consider correcting the problem with a roof over. Less invasive and expensive than a complete re-roofing, mobile home roof overs can dramatically increase the curb appeal, function, and comfort of your home.
Thanks so much for reading Mobile Home Living!
What To Expect With A Cape Coral Roof Repair Contractor
Our company is very experienced at roof repair and therefore you can be sure that whether you need a roof repair or roofing inspector to come to your property to inspect your roof, you will be able to trust Freedom Roofing.
We want to keep all of our customers happy which means that we are sure that we do the best possible job. We treat each of our roof replacements and roof repairs as if we were working on our own home. We will make sure that your roof is fixed by highly skilled roofers, to ensure that the job is done as well as possible.
Most importantly when it comes down to completing a roof repair job we make sure to respect everyone’s property. Cape Coral roof repair takes necessary precautions to avoid making a mess. We take roofing repairs in Southwest Florida to another level. We make sure that we leave everything clean and neat after we have completed our roof repair. No need to worry about roof repair leak costs, we are an affordable roofing company near Cape Coral Florida.
We can tell you all about these materials and more, and how you should maintain them to make your residential roof replacement last longer.
Get one of these roofing materials on your home. Call Freedom Roofing 239-350-0153, or fill out our contact form to request an estimate, free of charge. We work with insurance companies, property managers and homeowners in Cape Coral FL and neighboring areas. Check more roofing services .
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When Should I Go For Long
High-grade and heavy tarps with UV protection are a considerable investment if your emergency roof repair is expected to last three months. Investing in a high-quality tarp that can last longer can save you money.
Long-term tarping allows breathing room, but remember,your home cannot be energy efficient, completely water resistant, and comfortable with just a tarp on the roof.They support and protect your home while your roofing contractor makes the necessaryreplacementor long-term repairs.
How To Tarp A Roof For Temporary Roof Repair
November 9, 2018 by Stacy Lehn
Youve come home from a long workday, and you discover that a tree limb has fallen on your roof, puncturing it. Just what you wanted to come home to. Youre thinking through the steps you have to take: getting photographs, contacting your insurance agent or landlord, checking for other damage. Then you look at the weather forecast: rain is on the way tonight. Beautiful. When it rains, it pours, they say.
You need to get your roof covered fast to prevent further damage. You can call a professional like and you know you will once you get past this immediate crisis. But right now you need an emergency roof repair to hold you over until the professionals can deal with the problem.
You dont want to add water damage to the problems you already have, and neither does your insurance company. In fact, theyll be asking you how quickly you can get a temporary roof repair in place. So whats the solution?
This may be an extreme situation, but in truth, there are many reasons why you would need to make a temporary roof repair. Roof leaks can develop at any time when flashing or the seal around a vent fails. Your roofing specialist may need to wait a few days or even weeks for materials to arrive, especially if they are custom shingles.
Temporary roof repair is a must if you find yourself with a breached roof and incoming precipitation of any sort. Luckily, it isnt that difficult if you follow these handy steps.
Also Check: How Much Replacing Roof Cost
How To Tarp A Roof: 6 Simple Steps
If youre smart, you already have tarps on hand, especially in areas prone to tropical storms or hail. However, if not, thats ok. Simply head to your local hardware store and pick up some large blue tarps. They come in various sizes: from 12 x 12 up 20 x 40 feet. If you have a large roofing area, you might want to pick up a few to ensure complete coverage, should you sustain extensive damage.
Once youve acquired your tarps, here are the steps to take to tarp your roof .
Reason And Size Of Damage
The reason and the size of the damage are quite frankly the most important considerations for the final tarping costs. In the case of a hurricane, if you have lightning damage or electrical burns, these areas need to be removed before tarping can even occur. If a tree struck your roof during the storm, there will be additional costs factored in to remove the tree.
That being said, if the damage is small or large, the cost will vary vastly. If youre tarping a small area post-storm, the price will be less. If your roof has sustained major damage and the weather is still questionable, it will ultimately come down to the square footage of the damaged area.
Position & Secure The Tarp
Your tarp should be properly positioned and secured to ensure adequate protection and prevent it from coming loose. Place it on the damaged area and stretch it as far as possible, ideally extending at least 3 on all sides. You can secure the tarp using sandbags for a temporary measure. For a longer-lasting fix, nail the tarp to anchor boards that can be screwed into your roof temporarily.
Roof tarping is a temporary solution, not a replacement for emergency roof repairs. Ensure to have your roof inspected and repaired as soon as possible to avoid damages from worsening.
Tpo Roofs Vs Competitors Roofs
Our roof over system is specifically designed and engineered for manufactured homes and low sloped roofs. There are no exposed screws anywhere on top of the roof. Even our vents have no exposed screws they are hot air welded to the roof. Our Roof Over is a true 1 piece blanket of Protection that is hot air welded to ensure no areas for water to leak into your home. We use double foil faced insulation to provide maximum energy efficiency and reflect the radiant heat so our roofs NEVER get hot under any temperature. Our roofs also reduce noise up to 75%.
Aluminum/metal Roof Overs DO NOT COME IN 1 PIECE, they are crimped either every 4 feet or every foot. Aluminum roof over systems are not recommended for manufactured homes or low slope roofs. Theyre recommended for 3/12 pitch or steeper due to the fact that they have screws and adhesives on top of the roof exposed to the harsh Florida environment that will crack, rust and fail which creates leaks. Aluminum/metal roofs also tend to get extremely hot in Florida due to the environment. Aluminum/metal roofs are significantly louder.
When TPO is not installed properly it will ripple therefore causing problems with your roof in the future. TPO roof installation is very important and needs to be done properly.
TPO Flashing is a 1 piece flashing with no seams, caulks, or adhesives. Metal flashing is caulked and seamed ever 10 feet which is bound to fail in Florida’s harsh environment.
Read Also: How Long Does Roof Replacement Take
Shingled Mobile Home Roof Overs
A real shingle roof for mobile homes is absolutely possible for most models. They can have a higher pitch or gables too. Shingle roof overs are also installed right over your existing roof, as long as you have not already had a roof over previously.
The subject of whether its a good idea to add a second layer of shingles is much debated in the roofing industry. Be sure to get an experts opinion on your home before you make a decision. There seems to be a split in opinion on layering the new shingles over the old. Some roofing experts say you can do on manufactured homes that have 2×4 studs 12-16 OC and roof trusses that are 16 OC or less. Others roofing experts have told me they wont do it on any manufactured home.
If youre set on a shingle roof you come in a few different options and styles for roof overs, as well as several different colors and textures.
The main benefit of a shingle roof is the appearance. Shingles can dramatically improve the curb appeal of your property. Installing shingles is typically more costly than a TPO or metal roof but can improve the value a little more so you may recoup the costs.
Its not unusual to see asphalt shingles on a mobile home, particularly on homes with pitched roofs. Because asphalt is frequently used on site-built homes, many people are drawn to their appearance. Asphalt has a class A fire-rating and its available in a wide array of styles and colors.
How Much Does It Cost To Cover Your Roof With Solar Panels
The cost of covering your roof with solar panels largely depends on
- The climate condition
- Manufacturers and, of course, the type of panels.
However, a 2021 study shows that an estimate of about $15,000 to $25,000 should be for the solar system.
Solar energy is the future of global electricity and is fast becoming a thing in many homes. It is, so far, the safest form of energy and an excellent investment.
But it is costly to install because of the manufacturing process. If installed properly, it can save power bills and also serve as a cover for some cracks on the roof, making it dual purpose.
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Frequently Asked Questions About Operation Blue Roof
Q: What is Operation Blue Roof?
A: Operation Blue Roof is a program offered by FEMA through the U.S. Army Corps of Engineers to eligible homeowners and landlords. It provides a temporary covering of blue plastic sheeting to help reduce further damage to property until permanent repairs can be made. The blue plastic sheeting is installed using strips of wood that are secured to the roof with nails or screws. The homeowner/landlord must legally agree to allow the Corps contractors access to the property by signing a Right of Entry form.
Q: What is a Right of Entry?
A: The Right of Entry is a legal requirement that allows Corps workers to access your property and assess damage to your home. The ROE also allows contracted crews to work on your roof.
Q: How does a homeowner, landlord or renter get a Blue Roof?
A: Call 1-888-ROOF-BLU or visit the Jacksonville District website at www.saj.usace.army.mil/BlueRoof to find a location where Right of Entry forms are being collected.
Q: Who can get a Blue Roof?
A: Only applicants in primary residences with standard shingled roofs are eligible to receive a temporary blue roof. Metal roofs and mobile homes may be repaired as practical on a case by case basis. Roofs with greater than 50 percent structural damage are not eligible for this program.
Q: How long until a roof is repaired?
Q. If a home is being rented, can a tenant sign a right of entry form?
Q. Will the work be charged to my insurance?
Q: How long will a Blue Roof last?
Reattach Loose Asphalt Shingles
The temporary fix is straightforward if some shingles turn loose, causing leaks.
- Smooth your shingles back down/ shift them into position
- Staple or nail the shingles, covering the roofs exposed area again
Once again, reattaching loose shingles isnt a permanent fix. But it offers more roof protection, unlike a waterproof tarp.
Recommended Reading: How Much Does It Cost To Retile A Roof
Secure The Tarp In Place
Secure the tarp in place by using nails on each side of the board, and then go back to a previous nail youve secured so as not to have any visible holes in your tarp. Youll also want to make sure the boards are secure enough themselves because they can flex during strong winds causing possible damage if too weak. Finally, your tarp should be fully sandwiched between the boards and the roof, creating a tight enough seal to withstand any further weather and prevent water from getting underneath.
Safety should be your top priority whenever it comes to roofing work. You should always avoid tarping your roof if it is unsafe to do so: because the damage is severe, the weather is getting worse, or you do not have the proper safety equipment to get the job done. Instead, always call a professional roofing contractor to tarp your roof if you cannot do it safely. Many contractors will even offer emergency tarping along with their roof repairs in the case of severe storm damage.
Contact Our Team Of Storm Damage Professionals
At Gouge Roofing, we are dedicated to ensuring everyone has a safe, solid roof to protect their home. When a devastating storm comes through, we will be there to help. Our thorough storm damage repair service includes inspections, damage analysis review, and easy scheduling to get your damaged roof repaired as soon as possible. Call Gouge Quality Roofing for a FREE quote.