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Will Insurance Cover My Roof?

The Big Question… Will My Insurance Company Cover My Roof?

Insuring your home or roof is important to protect you from certain situations. Sometimes damages happen due to reasons like a storm, fire, vandalism, or defective products. When any of such events occur, you do not want to be stuck with the cost of repairing or replacing your roof so suddenly.

Thankfully, homeowners insurance can cover roof damage but with regard to what caused the damage in the first place.

What kind of roof damage does my insurance cover?

First, it’s safe to say it covers a lot.

If your roof was damaged due to a storm, your insurance will cover it. Storm damages can be anything from wind and hail, to a tree falling over during a storm and damaging your roof, heavy snow, ice storms, hurricane force winds, and so on. These are all acts of nature, and they qualify a homeowner for partial or complete repair or replacement of the roof from the insurance company.

The important thing to note is that your insurance company mostly covers accidental and unexpected damages to your roof and not wear and tear that comes with aging of materials.

How about discontinued shingles?

Discontinued shingles are simply shingles that are no longer in production. The company stopped manufacturing them. Shingles can be discontinued for many reasons, not just because they noticed a defect. Noticing a defect in the product can be one of the reasons for a discontinued shingle but others include that better manufacturing processes were discovered or the product just wasn’t a hit in the market.

So what does this mean for homeowners who already used these shingles for their roofs? It indicates that finding the parts to repair your roof would be difficult, but here’s how damages go down with your insurer.

If a roof with discontinued shingles gets damaged in a storm, your insurance company will cover the repair and possibly replace the roof entirely as the parts are no longer available. Lab tests are available to confirm the availability of matching materials.

If your insurer is refusing to make the repair or replacement and making claims you are unsure about, you should consult with an expert and review the wordings of your policy.

Precautions to get the most out of your insurance

Get your roof inspected by a roofing contractor. Your insurance company will not cover damages that seem to occur due to negligence. Sometimes this might get mixed up with an actual damage and you get the short end of the stick. Carry out regular inspections on the roof with a contractor to know the condition of the roof always.

Fix minor problems. Minor issues like a weak spot or a broken shingle should be fixed before it’s too late. Your insurer can easily show up unannounced and finding such negligence can lead to canceling your policy.

Reach out to us here at MLM for more information, inspections, or installations.

Architectural Shingles VS 3 Tab Shingles

For most people, buying a home is a huge feat. As a result, well-informed decisions have to be made to ensure that the home is efficient, comfortable, and well worth your investment. One way to do this is by considering roof replacement options.

When it comes to roofing, there are many options to choose from, and all the information can become overwhelming for you. With this article, only the most common shingles will be discussed. In the end, you will get to understand the difference between architectural and 3-tab roofing shingles; this will help you make accurate decisions.

3-Tab Shingles

These are asphalt-based traditional shingles. They are referred to as 3tab because of the three tabs they are made up of. Each of the tabs is about 12” wide. 3-tab shingles often have warranties ranging from twenty to thirty years.

3-tab shingles work by shedding water down to the next shingle directly below and they usually come in various colors.

Pros

  • They have a low initial cost.
  • They come in a variety of colors and styles.
  • The shingles are easy to repair.

Cons 

  • As a result of its light weight and lack of thickness, it is unable to withstand harsh weather conditions.
  • They aren’t as popular as they used to be because people now want more durable shingles.
  • The 3-tab shingles have shorter warranties because they are not made to last as long.
  • Their appearance is flat, and this hardly makes it as attractive.

Architectural shingles

Architectural shingles are referred to as laminate or dimensional shingles. This is because of their dimensional appearance, which causes them to appear like tiles or wooden shakes. They are two shingle strips (asphalt) laminated together to create a kind of shingle that looks like wood shake roofs.

With architectural shingles, the tabs come in various color shades, sizes, and shapes; this is what gives the shingles their dimensional appearance.

Pros

  • Architectural shingles come with a higher warranty, up to a lifetime!
  • They are thicker, unlike the 3-tab shingles.
  • Because of their thickness, they are more resistant to harsh weather conditions.
  • They are gradually becoming more popular than the traditional 3-tab shingles.
  • When architectural shingles are correctly installed and then carefully maintained, they could enhance the value of your home.

Cons

  • Architectural shingles cost more compared to the 3-tab shingles.
  • They are heavyweight. But this is good (sometimes), except in cases where your house cannot withstand the weight of the shingles.

In choosing what shingles to go for, consider which would be more appropriate for your needs and your home, Also consider if this is a home you will live in for a long time or if it’s only for the short-term. Let your roofing contractor help you make the most informed decision, but keep in mind that whichever shingles you go for, there are always pros and cons.

The Owens Corning Total Protection Roofing System

The roof of a home offers the protection you need from the elements and it completes the structure of your home. Have you ever wondered what makes a roof able to perform this important function? All roofs have a roofing system. The roofing system comprises different parts that together make your roof complete and effective. It is this roofing system that sets the quality of roofs apart.

Owens Corning total roofing system offers complete protection and comprises the components of a solid roofing system.

Read on as we explore them.

Seal

This is the layer of protection against water. It includes the ice and water barrier that protects the roof in areas where water collects. These areas include skylights, vents, chimneys, and valleys.

The underlayment provides protection from wind driven mostly by rain. It is a barrier against all elements and the roof’s final line of defense. It also keeps water off the roof deck and house structure to protect against mold, rot, and water damage.

Defend

The starter shingles have a continuous sealant bead that ensures blow-offs and water cannot infiltrate the roofing system. They defend against these elements.

Shingles are common terms in roofing, and they are the first line of defense. Shingles are popular as a term because they also influence the structure of the roof. They impact curb appeal and come in a variety of colors, shapes, and sizes. They are mostly the major thing homeowners see when it comes to a roof.

Hip and ridge shingles are those shingles along the roof’s peak. They perform several functions like shingles such as finishing the look of the roof and defending the ridge vent. They are also designed in variety to be attractive and suitable for your roofing needs/style.

 

Breathe

You know the roof is built to protect and defend your home from the elements, but do you know that another vital component of your roofing system is the parts that allow you to breathe –literally? These components ensure air flows in and out of your attic.

The intake ventilation layer is located at the down-slope edge of the roof and they prevent the buildup of heat or moisture by optimizing airflow.

The exhaust ventilation layer which is located on the ridgeline of the roof support or completes the function of the intake vents. The exhaust vents allow heat, moisture, and air escape from the attic.

Together, this system offers you total protection for your home.  When you have these quality components together all that’s left is the right contractor to perform an installation. At MLM we are Owens Corning Platinum Preferred Contractor certified and you can depend on our professional services for the roofing needs of your home.