Does Insurance Pay For A Replacement Roof?

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Your roof is your home’s first defense against the elements outside. What can homeowner’s insurance do to help you with a replacement roof?

No matter how strong your roof was when it was originally installed, roofs deteriorate over time. For most manufacturers, the average lifespan of a roof is 20 years. It’s no coincidence that insurance companies use this number to determine the monetary value they can give you for a replacement roof. Can the right policy cover a complete replacement?

Insurance and Roof Depreciation

The amount of assistance you can receive from your insurance company to replace your roof depends entirely on the circumstances of the damage. Besides causing purposeful damage to your own roof, the worst variable that insurance companies use to determine a payment amount is roof depreciation.

In simple terms, the older your roof, the less support you can expect. The amount of support decreases further if your roof shows signs of neglect. A roof nearing the end of its 20-year lifespan might even provide you nothing, even if you have paid your entire deductible. The good news for owners of brand-new roofs is that insurance will pay you much more; the bad news is that even a damaged, your typical homeowner’s insurance may not approve the total cost of a replacement roof.

In Case of Uncontrollable Damage

Unforeseen events that cause damage to your roof are a whole other story. If damage occurs to your roof that you could not control (such as a tree blowing down during a windstorm, or heavy hail), your insurance will generally pay for repair or a roof replacement, depending on the limits of your insurance.

In the end, is roof insurance worth the trouble?

ACV Versus RCV Insurance

Two types of roof insurance exist: actual cash value (or ACV) and replacement cost value (or RCV). The real difference between them is how much they will offer if your roof needs to be replaced. ACV roof insurance acts like typical home insurance, limiting the payout depending on your roof’s deterioration and age. RCV, however, does not take this into account. It is typically more expensive, but the financial assistance you will receive will cover the cost of most asphalt roof replacements.

Contact The Roof Doctor for a Replacement Roof in Salt Lake City, Utah

Don’t take chances when your roof needs to be repaired, replaced, or installed! Call your roofing team at The Roof Doctor for a full assessment. We are dedicated to helping our customers and our neighbors live under the most dependable roofs in the industry. We serve Ogden, Layton, Orem, Provo, and everywhere in between!

 

 

Will Your Brand New Roof Experience Hail Damage?

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The potential for hail damage on a brand new roof can stress out a new property owner, so let’s take a closer look at the probability.

In Utah, we might see a hailstorm blow through town every so often, so it’s essential that homeowners and property owners alike should be informed. It’s also important to note that a single storm will not constitute the need for a whole new roof. But if you just got a new roof or are considering reroofing, there are a few steps you can take to ensure maximum protection.

When Is Hail Damage Likely?

Hailstorms, high winds, and thunderstorms are most likely to occur during the spring and fall months in Utah but can happen at any point in the year. We’re not in the midwest region of the country where hailstorms are the most likely to occur, and we’re not often caught in hail that can cause severe damage after just one storm. But it’s possible that multiple storms can lead to enough damage that you’ll eventually need at least a minor repair or an overhaul of your entire roof.

So if the question is, “Will your new roof experience hail damage?” the answer might be yes, but it’s unlikely that it will be serious enough to call in a roofer after just one weather occurrence.

Protecting Your Home From Hail Damage

  • If you’re designing a roof, a steep-sloped roof typically holds up better against hail.
  • Keep landscaping and tree branches trimmed back and away from your home and roof.
  • Replace your current shingles with or build your roof with class IV shingles with an impact resistance rating of UL 2218.
  • Regularly inspect your roof and attic for signs of damage that need to be repaired before another hailstorm lands.
  • Contact a professional roofing company for any repairs to ensure your roof is back in tip-top shape.

Call The Roof Doctor for Repairs and Reroofing

When you're ready for a new roof or a reroofing job as a result of hail damage, The Roof Doctor is prepared to help. With years of experience in installing and repairing, our licensed roofing specialists have the knowledge to help you make the best roofing decision for your home. Serving Orem, South Jordan, Salt Lake City, Bountiful, and their surrounding areas, we're eager to give Utah property owners the roof of their dreams. Contact us today for a free estimate!

 

 

 

What Does Wind Damage to Your Roof Look Like?

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Thunderstorms, hail, high winds, if you live in Utah, you’ve probably seen it all, and you might be wondering, can wind damage my home’s roof?

If you’ve noticed some high winds in your area or even experienced a full-blown windstorm, your roof might show signs of wind damage. Winds that are considered damaging are typically at speeds of 50 miles per hour or more, according to The National Weather Service, and while we Utahans might not experience that every day, that doesn’t mean it hasn’t happened or won’t happen again. This is why we want to help you be prepared to check for roof damage after high winds, so you know what to do and who to call. Keep reading to learn more about how wind damage might present itself on your roof.

Signs of Roof Wind Damage

If you suspect that wind may have caused damage, and you can safely climb onto your roof to inspect, these are the telltale signs that you should look out for:

  • Branches or other debris that have blown onto your roof and possibly have caused damage
  • Shingles that have mysteriously gone missing
  • Shingles that are shifted, loose, curling at the edges, or otherwise damaged
  • Split, missing, or otherwise damaged chimney flashing
  • Loose shingle granules (you might be able to spot them in the gutter)
  • A roof that has started leaking after experiencing high winds
  • Gutters that have broken loose, appear to have dents, or have fallen off
  • If you have a flat roof, look for rips, tears, cracks, or bubbles in the materials used

What to Do When You Find Wind Damage

Wind damage is no joke, and if it’s not repaired correctly, you could end up with a much larger problem on your hands the next time you experience any form of severe weather. That’s why we suggest calling a roofer immediately. If you’re experiencing any kind of leak through the roof, cover up the hole(s) with a water-resistant tarp and weigh it down using bricks or heavy rocks. That way, the leak won’t cause any more water damage while you wait.

Call The Roof Doctor

Whether it’s wind damage, a leaking roof, or anything else under the sun, The Roof Doctor has your back! Our experienced roofing experts always conduct a thorough inspection and make the necessary fixes to get your roof back to its former glory. If you live in Salt Lake City, Layton, Orem, Tooele, or any town or city in between in Utah, contact us today for your free roofing quote!

 

Is It Necessary to Replace Your Roof After Hail Damage?

Replacing Your Roof After Hail Damage: Is It Necessary?

A question we hear from a lot of homeowners is whether or not they should replace their roofs when they see signs of hail damage.

The answer to that question is a bit more complicated than a simple yes or no, so we’re going to take a closer look at hail damage on roofs and what entails a repair or complete replacement. Keep reading to learn more. 

How Likely Is Hail Damage in Utah? 

In some regions of Northern Utah, hail is as common as a thunderstorm, meaning every time a thunderstorm rolls into town, you can count on some hail accompanying it. In Utah, a single hail storm won’t constitute an overhaul of your roof a lot of the time. But as hailstorms come through town repeatedly over a few months or years, it’s wise to look out for any indications of hail damage on your roof. 

Weather experts will typically say that hail the size of a quarter is not unheard of in northern Utah, which is the size a hailstone would need to be to do any substantial damage. If you hear of a weather report in your area that claims hailstones that are larger than an inch, make sure to call a professional roofing company to inspect your home after the storm has passed. 

When to Replace Your Roof from Hail Damage 

More often than not, one hailstorm won’t create a situation that requires roof replacement or even a repair. But when there is noticeable hail damage, it can lead to rot of the underlayment and roof decking, mold and bacteria growth, a roof leak, and other water damage. So, if you are inspecting your roof after a storm and notice missing granules from a single, any indentation marks, or a loose shingle, you’ll need to replace the damaged areas to ensure that water does not get through the roof. 

As for a roof replacement, it should only be necessary if there is underlying damage that was not treated in the first place. Remember, the more durable your roofing materials are, the more likely they’ll hold up against extreme weather conditions, like hail. Since the average asphalt shingled roof should last at least fifteen to thirty years, even with severe weather, you shouldn’t worry about replacing everything until you approach at least fifteen years. But as always, when in doubt, you can always count on a roof replacement company to give you the best advice moving forward.

Call The Roof Doctor for All Your Roofing Needs 

If you notice hail damage or any other problems with your roof, don’t hesitate to call The Roof Doctor right away! We take pride in being reliable and always providing the best service you can find in the roofing business. Whether you need an inspection, repair, or replacement, we’ve got you covered. Contact us today for a free estimate! We serve Salt Lake City, Ogden, Provo, and other surrounding cities in Utah.