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Category : Commercial Roofing

Your Roof’s Condition Can Affect Your Property Insurance Coverage

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You may not know this but if your roof is in poor condition your insurance company may require that an actual cash value percentage of the room is excluded from your insurance policy.

If your roof is not in the top position than this cash value can be a lot less. They may exclude coverage for the entire roof. Other companies may only cover portions of the roof that tend to be newer or in good conditions. Many insurance companies state that a pre-coverage inspection of the roof is required for a new policy or the renewal of an existing policy. Someone from the insurance company will come to the home and inspect the roof before a policy is issued. For many years commercial buildings were required to have a roof inspection as part of the insurance underwriting process. If the roof of a commercial building was in poor condition it was considered to be a high risk. If a customer got hurt due to the condition of the roof the insurance company would have to pay out a settlement. Many insurance companies are new requiring roof inspections for residential insurance policies. They want to reduce the risk of a payout and repair to the roof. These repairs can be very expensive. There are some insurance companies that will cancel your policy if your roof is in poor condition.

Many people do not pay attention to their roof unless there is an issue such as a leak. You may not have looked at your room in a long time. Every so often an insurance company will send an inspector to check out your property. This will walk around and take some pictures. If they see there is an issue with the roof they want threaten to cancel the policy. Some insurance companies will give you a chance to make any needed repairs to your roof. If the repair are not made within a certain period of time and proof is not sent to the insurance company your policy will be canceled.

To understand what your property insurance policy is going to cover and the areas that it is not going to over you need to contact your insurance agent or the insurance carrier. This information is very important. If something happens to your home you need to know what the insurance company is going to cover and what is not going to be covered under your policy. The coverage for the roof will depend on the age of it and the condition that it is in. Older roofs are a higher risk for the insurance company. The average lifespan of a roof is around 20 years. If the roof is nearing this age the insurance company will view it as a risk for replacement and may not cover it in the policy. It is essential that you know what your property insurance covers and what is not covered in the policy. While it is a good idea to read the coverage options that are listed in your policy speaking to someone will give you the best results. They will also be able to answer any questions that you may have about your coverage.

Replacing your roof or even restoring the existing roof is very expensive and will take up a lot of time. It is important to take steps to prevent the roof from becoming damaged. These preventative measures can improve the lift of your roof. There are little things you can do to extend the life of your roof. The roof should be inspected annually. This way small repairs can be made to help prevent bigger problems. You also want to remove anything that is clogging the gutter. This will help prevent backup into the home. Be sure to check the shingles if you have them and make sure they are secure.

You need to remember that property insurance is not a warranty on the home. This policy is a risk that is shared between the owner of the property and the insurance under writing company. It is in your best interest to keep your roof in good condition and have it inspected annually.

 

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6 Factors that Affect Your Roof’s Life Expectancy

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Even if you have a high quality roof, which will protect your home for a couple of decades, they do not last forever. You should always have regular inspections by a roofing contractor as well as periodic maintenance. Contractors can let you know when you can expect to have to replace the roof.

Regular maintenance is the best way to ensure your roof lasts a long time but there are six key factors that determine how soon and how often your roof may need repair or replacement.

  1. Roof Material

Each roofing material has different endurance and offers different life expectancy. If you have asphalt shingles you can expect the roof to last a few decades. The materials that provide even longer cover include clay or concrete tiles, slate shingles and membrane systems. When it comes time to replace your roof, consider using materials that have longer life expectancy. Work with you roofing contractor to determine the best materials to use for your building and local environment.

  1. Weather

Not something you can control but can be prepared for is the weather. Most systems are designed to endure heavy rains, strong winds even snow and hail, but this does wear them down. Extreme weather conditions can really take their toll on your roof, so depending on where you live your roof may be exposed to severe conditions that damage the structural integrity. Consider the climate you live in and keep your roof maintained accordingly. Perhaps check with local contractors for protective tips if you live in areas prone to harsh weather.

  1. Sun Exposure

The damaging UV rays of the sun can hurt your roof just like they hurt us. Some materials like metal or EPDM rubber membranes are more resistant to the ultraviolet exposure. Most roofing material will degrade with the repeated radiation. Continued sun exposure weakens the structural integrity of a roof by heating it. This causes thermal shock to the materials as well as contraction and expansion. Once this happens, the material degradation is accelerated causing roof repair and replacement to be sooner than expected. Since the sun is not something you can control, it is advised to check with professional roofers for any tips or protective additions that can be utilized.

  1. Roof Pitch

Longevity of a roof is also affected by its pitch or angle. Roofs that are flat and low do not get rid of water easily so it builds up. When rain or snow are allowed to accumulate on the surface it starts to wear away the materials. Pools of water cause the materials to lose strength which can cause leakages. A good way to offset the damage is to install gutter systems and make sure they are kept clear of debris build up, so they can efficiently remove water away from the roof.

  1. Ventilation

Every building should have proper ventilation. Regular air circulation through the house and attic prevents moisture from accumulating and also reduces the external temperature. When ventilation is poor, roof materials are weakened and not as effective. It is wise to consider which option works out better in the long run, replacing materials more frequently or investing in a good air ventialation system.

  1. Proper Installation

A quality installation goes a long way in roofing. When cheap or inexperienced roofers are used it is not uncommon for there to be premature repairs and replacement. While you save money in the beginning, you will have unexpected costs with leaks and other damage that occurs without proper installation. The use of lower quality materials also contributes to early degradation. You want to be sure you hire a licensed professional that uses high quality materials and ensures their work is up to all codes. In the event a genuine error occurs, professional contractors are always willing to return and make it right.

Roofing repairs and replacement is not cheap, so you want to make sure you get the most out of the roof you have. By investing the time to care for it and considering the above factors, you can expect to get more longevity from your roof.

 

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How To Avoid a Roofing Scam

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Good roofs are a great investment. Not only do they protect you better from harsh weather but they also make your building more valuable. For this reason, you do not want inexperienced or illegitimate roofers handling the repair of your roofs, and we cannot deny that we live in a world full of scammers, who can come to you claiming to be professional roofing contractors. How do you know that you are dealing with a scam, and what ideas should raise the red flag that you are being scammed? Read on as in this text are some of the signs to tell you that you are dealing with a scam.

  1. Roofers who offer to repair your roof at no charge

This is the first tip to tell you that you are dealing with a scam. No roofer should come knocking on your door and offer to repair your roof on the basis that your insurance company will pay for it. After all, how would anyone know about your insurance policy? A reputable roofer should come to your office or home and inspect the damaged roof even before the repair. Moreover, if your insurance company will pay for the expenses, it shouldn’t happen fast and without being notified. You need to be there and sign the documents required before the roofer repairs it. So be aware of storm chasers and do not allow anyone who claims to be a roofer to fix your roof until you can guarantee that the contractor is genuine.

  1. Contractors who say that they want to inspect your roof

You need to be aware of roofers who come claiming that they want to inspect your roof when they do not have the necessary licenses. No roofer should come to you home requesting to examine the extent of the damage, while they cannot tell you the company they work with or if they do not have the licenses. Avoid allowing any roofer to get to the roof as some scammers want to damage your roof so that they have something to repair. Also, do not believe any repair man who comes down with some pictures claiming that that is the extent of damage after inspecting the roof. Some people come along with pictures just to convince you that you need a fast repair so that you do not hesitate to hire them.

  1. Roofers who request to assist with your insurance

Some scammers will come and ask to sign your insurance benefits, on the claim that they are well connected with your insurance company and that they can make your compensation fast. Avoid falling a victim of such scams. While this deal may seem great and one to save you much time and money, avoid to accept it. You might end up losing your entire compensation to such people, and even end up losing contact with them.

  1. Roofers who want you to sign a contract immediately

Be wary of a contractor who asks you to sign a contract with them once you meet them. Think about it, why should someone seem to be pressuring you to repair your roof? Maybe, their service quality is not that good, or they do not offer quality material meaning that they just want you to help them earn as they do not get many customers. So, do not sign a contract until you have visited the company’s place of work and even talked with a variety of clients who have benefited from the services of your roofer. Also, do not sign any contract without fully reading and understanding it. Remember, once you sign a contract without agreeing with several issues stated in it, you will be held liable. So, stay away from people who ask you to sign their contract unless you fully agree to it, and you are sure that you are dealing with legit roofers.

  1. Roofers without the proper credentials

Reputable roofing contractors always walk with their business cards, licenses, and insurance. So, do not fall prey of people who come requesting to help repair or replace your roof, while they cannot provide you with these documents. How do you prove that such a person is authorized by the state to repair your roofs, and how can you be sure that you will be insured should a damage result? So, if someone who proves to be a roofer cannot prove that he is, do not allow him/her to your roof. Also, if such roofers come with a vehicle that isn’t branded with the company’s name, that should be an indication that they are not legit.

  1. contractors who promise to replace your roof at a very low cost

This is another trick that scams use. It is no doubt that many homeowners will prefer to hire a contractor who can repair or replace a roof at a low cost, as most people look at the saving factor. However, do you know that you might end up losing more money and even spending more by undertaking such an action? Avoid persons who promise low prices, as this may be an indication that they are not qualified, or that they use inferior materials. You need to research the authenticity of such persons thoroughly. Ask them for references and their certifications. If they cannot provide you any of these, stay away as you do not want to fall a victim.

 

If you come across contractors with these behaviors, you should have the idea that you are probably dealing with a scam. Always be cautious and avoid giving in to such individuals. Do not let promises blind you, as giving in to promising people may just be the beginning of your problems. Take time to assure yourself that you are dealing with reliable people, and only then, sign an agreement.

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