Making a Decision to Replace Your Roof
If your roof is getting older, it may be time to consider a roof replacement. Storm damage, leaks, and other problems can all be indicators that it is time to replace your roof. In the long run, this investment can save you money in roof repairs.
Inspect the roof for water damage. Look for water spots, discoloration, and other signs. Water damage can lead to warped shingles and a distorted transition line. If the water is leaking into the house, you should consider getting a new roof. Also, make sure your roof is free of debris. Lastly, you should contact your insurance company. They can help you file a claim. You may even be able to do so online, which is great if you don’t have time to visit a local contractor.
Homeowners insurance often doesn’t cover the roof replacement. If your roof is over 20 years old, you may have to pay out of pocket to get your roof replaced. If you have an insurance policy, keep all receipts and inspection reports to help your insurance company to approve your claim. A roof is one of the most exposed parts of a home, so it’s no wonder it is the most vulnerable. Heavy snow and hail in the northern hemisphere can cause significant damage to roofs. Tornadoes and hurricane-force winds in the Midwest can cause similar problems.
Most homeowners insurance policies will cover roof replacement costs when they occur as a result of a storm or act of nature. However, if your roof is beyond its life span, your insurer will usually cover the cost of roof replacement, unless the damage is beyond your budget. Your insurance policy should be comprehensive enough to cover any unforeseen damage that might occur to your home. Regardless of your policy, you should take the time to inspect your roof to make sure that it’s in good condition.
While a roof replacement calculator can be helpful, it doesn’t take into account all of the variables involved. Your house and roof are unique, so your estimate from the roofing company is unlikely to be the same as theirs. Therefore, it’s important to shop around and get multiple estimates. After all, you’ll be paying thousands of dollars for a roof replacement, so you might as well be sure that you’re getting the best value for your money.
Leaky roofs are one of the most common signs of more extensive damages. While a small leak can be repaired and won’t cause water damage to the rafters, you’ll probably still need new caulking and flashing around the shingles. If the leaks are large and are starting to affect the joists and rafters, it may be time to replace the roof. In the end, you’ll be glad you did.