Roof Was Covered With More Shingles

Also most insurers won t insure a roof with more than two layers of roofing material.

Roof was covered with more shingles.

It goes without saying the newer the roof the better your home insurance rate. When a major storm is coming document the roof s condition before and after. And shingles 7 it reasoned that the wood shingles which served as the decking were an integral component of the roof and that the cost to replace the wood shingles was a covered loss. A broken shingle might seem minor but it s not protecting your home and can result in damage.

It concluded that a roof is a unified product comprised of all its component parts and materials including. Metal roofs and composite shingles. A new roof costs just over 7 000 on average in the u s. Wood shingles and shakes.

While it may not be as important as the material your roof s shape could also impact your home insurance price. Clay and concrete tiles. Replace any broken or worn shingles or tiles. Like cedar or recycled shake shingles or roofs with more than two.

Roof replacement can be prohibitively expensive for many homeowners. But could cost up to a whopping 30 000 if your home has an expensive roofing material is especially large or possesses a complicated roof shape or slope. Typically insurance covers repairs such as shingles missing after. An insurance inspector may perform a property check from the street.

In some cases homeowners insurance will cover only roof repairs but not a complete replacement. You can usually install metal roofing over shingles because most types are lightweight thin and pliable. Some insurance companies may not cover a wood roof or may require you to apply a fire retardant to get coverage. Every 2 3 years after they are 10 years old.

In more than 60 of cases the problems people experience with their roofs are not caused by faulty shingles but by poor installation. Every 2 years after 15 years. 1 in the event of a storm or falling tree you would hope your homeowners insurance would cover basic roof damage. If your roof is more than 10 years old you may want to hire a roof inspector who can check for any damage and areas that need repair.

Most all perils homeowners insurance policies cover roof replacement if the damage is the result of an act of nature. Old roofs are insurance risks and some insurers may refuse to cover an old roof. Some roofers will provide coverage for three or five years. Comprised of shingles or shakes wood roofs aren t fire resistant.

They calculate a roof s age from the bottom layer of shingles. That s why high quality workmanship really matters. When looking for a roofer you need to make sure you. Yearly once the roof is 5 years old.

Every 2 3 years after they are 10 years old. You want to be sure that the roof and shingles are in suitable shape for the project.