Does Homeowners Insurance Cover Roof Damage?
Written by webtechs

Does Homeowners Insurance Cover Roof Damage?

Homeowners Insurance usually covers roof damage caused by a natural disaster (although there may be deductibles to be met) and normally doesn’t cover roof damage when the cause is neglect Read on to learn more about what to expect when dealing with a damaged roof and insurance.

The hazard insurance part of your homeowner’s insurance policy usually is the place to find coverage details for roof and property damage. If the roof has not been maintained and neglected, the insurer may deny the claim. Similarly, if the roof was damaged by a flood, mudslide or earthquake, you may need additional coverage to be covered. Wind and hail damage are normally covered within the terms of a standard insurance policy but there may be separate deductibles to be paid first.

Depending on how severe the damage is, there may also be limitations and exceptions. For example, it may not be covered if the damage is just considered to be cosmetic as the claim for roof damage, as well as the deductible that has to be met, may be a higher amount than just paying for the cosmetic repair.

Insurance Deductibles

If you live in an area that is well known to get high volumes of hail and tornadoes, the more likely it is there will be separate deductibles to be met. Sometimes they can be a flat fee, but very often they are based on a percentage of the total property coverage. If you have $400,000 in property coverage, you may have to pay 1% (or $4,000) out of pocket to meet the deductible before the insurance company kicks in with payment.

Roof Leaks

Roof leaks are usually covered by most insurance policies if:

  • The cause of the leak was a peril covered in your policy.
  • The damage was sudden, swift and not the result of accumulation over a period of years.

Unsurprisingly, this is frequently a contentious issue, especially when it may be a surprise to the homeowner, but the insurance judges it to be the result of neglect.

Age Of Roof Factors

When completing your application, the insurance company has an insurance adjuster visit to see if any coverage adjustments are required – including the age of your roof and the quality of the roof build. Some insurers refuse coverage on a roof older than twenty years unless an inspection has been carried out. Some insurers will not write policies for roofs in the 15-20 year range, only covering the cash value. In other words, if the roof gets destroyed or damaged, the company only pays out at the rate after 20 plus years of depreciation. However, you may have little choice but to go for one of these less than ideal options, as roof replacements are expensive (often more than $25,000,) and it is better than having no homeowners insurance coverage at all.

Damage From Hurricanes

Water and wind destruction is usually covered albeit with a higher deductible. However, it is vital to understand damage from flood waters as the result of a hurricane will not be covered unless a special endorsement has been added to your policy.

Damage From Squirrels

Damage from these little critters can be expensive as well as extensive. However, dwelling coverage usually covers your home when squirrels damage the structure of your property, but it does not usually cover interior damage or personal property damage.

Impact Resistant Roofing

You can keep the costs of your insurance under control by storm-proofing the roof with the installation of impact-resistant shingles. This should help to limit the total number of claims you have to file, saving you money as well as time. An additional bonus is many insurance companies offer discounts on their policies for homeowners who invest in impact-resistant roofing.

Right Way Roofing Offers Roof Repairs In Phoenix

If you live in Phoenix, Mesa, Scottsdale, Chandler, Tempe, Apache Junction or anywhere in the Phoenix valley and you have a damaged or leaking roof, Right Way Roofing can help. We can do the work finding the damaged area, recommend the most affordable repairs, and get the job done the Right Way. Roof repair is our business and we strive for the highest customer satisfaction by using the best materials and giving every job our full attention. Give us a call to get your roof repaired by calling 480-232-5458 (East Valley) or 602-299-8851 (West Valley). Learn more about roof repair cost in Phoenix.

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RIGHT WAY ROOFING IS A RESIDENTIAL AND COMMERCIAL ROOFING CONTRACTOR LOCATED IN PHOENIX ARIZONA

Call us TODAY! East Valley: 480-232-5458 or West Valley: 602-299-8851

Signs Of Roof Storm Damage
Written by webtechs

Signs Of Roof Storm Damage

Storms come in all strengths and sizes and although your roof is built to last, here are the signs to look for when you think your roof may have been damaged. Remember, safety first when inspecting your roof. Use binoculars from the ground level and maybe look from a window inside the house. If you are unsure call a professional roofing contractor.

Damage From Wind

Shingles can blown off the roof deck when there are high winds. Missing shingles can mean interior damage and leaks. However, other damage caused by the wind may not be able to be seen. This is especially so when the adhesive seal that acts as a water shedding surface has broken. Always be safe when you check for roof damage. All manufacturers offer a wind warranty on their shingles so when you select a new roof be sure to check out the wind coverage. If the wind was above the wind coverage warranty, you will have to file an insurance claim. Signs of wind damage include:

  • Missing shingles.
  • Thin horizontal lines where granules have been worn off about 1-2 inches beneath the shingle above; this could indicate that the shingle seal was broken and the shingle was flapping in the wind rubbing against the shingle above it. To be effective against the elements, shingles must be sealed to each other as one water tight roof deck.

Damage From Hail

Hail is often a widespread event and can cause identations to shingles as well as cracking shingles to allow in water over time. You will certainly have to file an insurance claim for hail damage. some ocntractors specialize in storm repair, so always use good judgement when you select a contractor. Signs of hail damage include:

  • Collateral hail damage around the house; dents on cars or other items on your house or in your yard.
  • Distinct patterns of small round-shaped divots on the edges of the shingles.
  • Indentations in the shingle where granules are missing.
  • A large pile of granules at the end of your downspout; a small amount is normal, especially on new shingles.

Damage From Falling Debris

During a storm, falling debris can land on your roof. While some items are very small, larger items may cause damage so it is wise to get a roofing contractor to inspect your roof for damage. Some signs of debris damage include:

  • Visual identification of debris on the roof.
  • Shingles that are missing.
  • Shingles that are cracked.
  • A large pile of granules at the end of your downspout.

Roof Repair in Mesa & Phoenix by Right Way Roofing, Inc. 

If you live in PhoenixMesa, Scottsdale, Chandler, Tempe, Apache Junction or anywhere in the Phoenix valley and you have a damaged or leaking roof, Right Way Roofing can help. We can do the work finding the damaged area, recommend the most affordable repairs, and get the job done the Right Way. Roof repair is our business and we strive for the highest customer satisfaction by using the best materials and giving every job our full attention. Give us a call to get your roof repaired by calling 480-232-5458 (East Valley) or 602-299-8851 (West Valley). Learn more about roof repair cost in Phoenix.

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RIGHT WAY ROOFING IS A RESIDENTIAL AND COMMERCIAL ROOFING CONTRACTOR LOCATED IN PHOENIX ARIZONA

Call us TODAY! East Valley: 480-232-5458 or West Valley: 602-299-8851

Best Time Of Year To Replace Roof
Written by webtechs

Best Time Of Year To Replace Roof

Although roofing contractors work all year-round and most homeowners wait as long as they can before taking the plunge for a new roof, it is worth knowing you can save money on labor and materials by getting your roof replaced at certain times of the year. Read on to learn more about how you can minimize the expense of a new roof and still get the finest quality and service.

Obviously, the best time to have your roof replaced is when you can plan it in advance, but the reality is often a roof repair or replacement becomes of primary importance because of circumstances beyond our control. That said, there are still some questions that come to mind, for example, when is the best time of year to get a roof replacement? Will, it cost more at certain times of the year? And, what roofing company should I use?

Offseason Versus Peak Roofing Season?

Traditionally roofing companies are at their busiest in the late summer and autumnal months. On occasion, homeowners may have a wait of thirty days or so – even if they have found a reliable roofing company to do the job. This time of year is the preference because the rainy/monsoon season is over, the days are a little cooler and the weather is far more predictable. The primary concern is keeping your roof dry – as we do not want rainwater entering your home! Pricing considerations also come into play. The summer tends to bring the highest prices with the highest temperatures. prices usually increase sometime after April 1 – so it often wise for homeowners to get their roof replacement during the early spring, autumn and winter months.

Winter Roof Replacement

A great benefit of replacing a roof in winter time is nearly every roofing company will be able to do the work as they will not be too busy! When roofing companies install shingles made from an asphalt composite, manufacturers do not change their warranties based on the temperature at the time of installation. The warranty is exactly the same as any other time of year. However, new shingles need what is called thermal sealing and that can take several days, maybe even weeks when the temperatures are 40 degrees Fahrenheit or above. Another upside in this situation is the materials will be cheaper at this time of year.

Summer Roof Replacement

Undoubtedly it is one of the busiest times for roofing companies but comes with a few disadvantages you should be aware of:

  • Shingles can get damaged during installation because the pressure used in nail guns can make the shingles more susceptible to damage
  • Human traffic on the roof must also be minimized

Remember planning ahead and getting the best price from a reliable roofing contractor for a replacement is the way to go. if you realize the roof is at the end of its life span, schedule the replacement as soon as you can and be sure to sign a contract to lock in the best prices with no increase for labor and materials. If this is outside your comfort zone, at least attempt to schedule your roof replacement in the spring and early summer months, so roofing companies have time to fit you into their schedule before they get too busy.

Roof Repair in Mesa & Phoenix by Right Way Roofing, Inc. 

Your roof is what keeps your home dry during rainstorms and protects the interior of your home from leaks, mold, and mildew. If you have a roof that hasn’t been taken care of by previous owners or has been damaged talk to the roofing repair experts at Right Way Roofing, Inc.  Our roof inspection team finds the damage fast, identifies the source of leaks, and provides affordable repairs.  The repairs and replacement roofing we offer is the highest quality and longest lasting roofing solutions available.

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RIGHT WAY ROOFING IS A RESIDENTIAL AND COMMERCIAL ROOFING CONTRACTOR LOCATED IN PHOENIX ARIZONA

Call us TODAY! East Valley: 480-232-5458 or West Valley: 602-299-8851

Common Roofing Problems
Written by webtechs

20 Common Roofing Problems

If you’re searching for common roofing problems you’ve probably found a leak or your roof has been damaged. Keeping an eye on your roofing for the top fifteen roof problems could be significant to saving yourself a good chunk of cash that you would have to put out for your roof to be completely replaced.

If the roofing materials are incorrectly installed it will increase the chance for problems later on, not to mention reduce the life expectancy of your roof. A professional roof installer can check your roof out and let you know whether or not it has been installed correctly or not. General contractors can also help repair the most common roof problems.

Top 20 Most Common Roofing Problems:

 1. Leaks and Moisture

All things that are weather blown, such as rain, hail, ice, snow, wind, and of course, debris, and many other things; can all create moisture in between the layers of your roofing, causing several different bad things to happen. The things that would be the worse are leaks, mold, and rotting.

2. Improperly Installed Flashing

The areas of your roof that have been penetrated, such as the skylights, vent pipes, heating system, cooling system, and chimneys (referred to as the flashing). A poorly attached flashing will usually end up causing the roofing to have open seams and laps that will eventually allow the wind to blow the tiles off. If the flashing has been installed incorrectly, the roof will have less protection, leaving it with reduced puncture resistance.

3. Critters

You would be surprised if you knew just how much damage small animals are able to make to your roof, like insects and birds, and many others. It would be best to deter all small animals before things get worse.

4. Ponding Water

If you notice water that ponds, and are staying on your roof, you can take it as a sure sign that you have a problem. Having a build-up of debris is one common cause, and another reason could be that the water is unable to drain properly due to improper cleaning of the HVAC units and/or gutters. If you suspect a leak, have a roof leak detection company to come out and see if you have any ponding water is a good idea.

5. Punctures and Penetrations

Punctures in the roof material can be caused by hail and wind damage. After the completion of the roofing, the sealant and flashing are added around the penetration areas, such as vents for appliances, the HVAC, and anything else built-in to the roof. All these things need to be checked on a regular basis.

6. Trees

The protective top layer of the roofing can be damaged by the limbs of a tree rubbing on the roof, causing the surface of roof shingles to abrade, which wears off the protective top layer. Tree branches can cause even worse problems to a roof should they fall. It is always a good idea to keep tree limbs and branches trimmed so that they are not at a distance to create such problems if they were to fall, and should a tree be close enough to a house that this cannot be prevented, remove it.

There are a few roofers who will install walk areas onto the roof as it is being laid, this is done by laying a double amount of the roofing materials down and it will allow access without worrying about the damage walking on the roof can cause when access is needed to things such as the HVAC, and etc.

7.  Ventilation

An important part of laying a roof is putting in a ventilation system in the attic, making the roof last longer. The way that it helps in making the roof last longer is because it helps in regulating the moisture that builds up in the attic space, which can cause damage to the sheathing, insulation, rafters, shingles, mold & mildew, and of course, the cost of energy. In order to create ventilation in the attic space vents are installed at the time the roof is being laid. These vents can be placed in several different areas, such as the base part of the roof (near the gutters, eaves, or soffits), and somewhere near the top of the roof (at the ridge). This lets the warm air get out and the cooler air come in, it is a natural process once the vents are in place.

8. Shrinkage and Blistering

The roof membrane is located under the tiles and shingles, and if these begin to shrinks, and this will usually create cracks and/or crazing to the upper layer. However, ridging, blistering, surface erosion, and splitting of shingles may eventually create much bigger issues in your roof.

9. Improper or Lack of Maintenance

The worst you can do for your roof is to ignore the regular maintenance of it. The problems will usually begin by not keeping the gutters cleaned out on a regular basis, and keeping your roof clear of debris such as tree limbs and branches, which could fall onto the roof. If these things are not being properly taking care of your roof could be in for some more serious damage, and costlier. So you should keep in mind, the importance of regular inspections, and the regular maintenance of your roof, as these things can extend the life of your roof and save you a bundle of money.

10. Drainage Problems

Poor drainage can lead to a number of issues, including water damage. If your home has a flat roof, you will need to watch your ceiling for water stains as they will indicate that water is pooling on your roof after a rainstorm. If your roof is slanted be sure to keep the gutters clear to prevent water from backing up and leaking through cracks in the roofing.

11. Billowing, Tenting and Blow-Offs

When your roof is not properly attached to the substrate, the seams can get exposed to the elements causing parts of the roof or worst case scenario, the entire roof to blow off. These problems can usually be found in single-ply roofing systems. To bypass these problems, your roof must be able to withstand high winds. Getting your roof inspected can prevent a lot of these from happening.

12. Missing or Damaged Shingles

Sometimes, shingles can go missing due to the elements, wearing off the protective surface, or the activities of animals. In these situations, some shingles may crack or break, and fall apart or simply go missing. You can hire a roofing company to repair or replace your shingles with new ones or cut the shingle into sections and replacing a single tab.

13.Ventilation

Your roof should not block off the flow of air into your home entirely. Ventilation needs to be included under the eaves to make sure that your attic doesn’t become too humid, causing mold to grow. When roofs are installed, soffits, vents and other necessary measures should be installed, make sure enough air flows through the attic.

14. Holes in Roof

Debris from high winds can produce holes in your roof. Open holes welcome in not only rain and wind but insects and other small problem animals as well. In addition, your house’s heating and cooling bill could double due to leaks from your air conditioner and/ or heater. Identify and repair holes quickly when they happen.

15. Loss of Granules

Common asphalt shingles have tiny granules that absorb UV radiation and protect the roof from the elements. If the granules begin to fall off, the integrity of your roof begins to waver. Check to see if you have any bald spots on your roof if you begin to have problems.

16. Roof Repair is Expensive

The kind of roof you have will greatly influence the cost of repair and replacement. Remember, roofs can be flat or sloped, low pitch or high pitch, shingled or made from metal, sometimes even something else! The cost of roofing materials can vary greatly among the many different roof types. Some types of roof require more materials and labor than other types.

On the less expensive end of the scale, you are looking at around $120 per 100 square feet for asphalt shingles. Conversely, shingles made from white slate average around $900 per 100 square feet with prices ranging from $800 to $1,000 for 100 square feet. However, tile shingles, run an average of $400 per 100 square feet. if you are the owner of a metal rood, you will be looking at an average cost of $1,500 per 100 square feet.

17. You Need Permits For Roofing Repair

You will need to check out the prices of permits in your area. In certain areas, there may be a flat rate price. In other places, it may be based on the value of the home or the size of the home. Either way, the roofer may need to obtain permits for repairs. be sure to make sure the costs of city permits wherever you live. Consider this as well. In some coastal areas, you may require a separate permit in order to have protection for your home from tropical storms and hurricanes. Straps and braces for hurricanes may be mandatory in these areas, adding several hundreds of dollars to the cost. So, a 1,300 square geet roof repair permit may run between $150 to $400 or more, depending on where the house is located.

18. Large Roofs Cost a Lot to Repair

Obviously one of the biggest factors in the determination of the final price you will pay is the size of the repair to be completed. As a rule of thumbs, roofing contractors use the square footage of a roof when pricing the job. In roofing terminology, a square is known as a 10-foot square area. Roof shingles, (unsurprisingly) are sold by the square. So you can expect to be charged for a square even if your repair is smaller than 10 square feet. That said, the contractor should give you the leftover material. This may be helpful is the roof needs to be repaired once again.

19. Water Damage Can Destroy Your Home

We all know how much damage water can do the structure of a house. However, the damage may not be obvious until the roofer is able to remove the existing shingles and conducts an inspection of the decking beneath the shingles. It can be very expensive to repair water damage and will undoubtedly increase the final cost of your roof repair. Nonetheless, it has to be dealt with, because if it is not, in the long run, it may lead to a total roof replacement being required.

20. Skylights And Chimneys Add to the Cost

Skylights and chimneys, as well as other rooftop elements you have that may be unique, can also increase the price of a roofing job. You should ask the roofer to check these features for leaks or damages while the shingles are being assessed – it may be most cost-efficient to for these to be replaced at the same time. The roofer will need to work around the unique features even if they do not need to be replaced, however, there will be additional costs ad the roofer works around these features – you can expect to pay an average of $400 extra with prices ranging from $300 to $500. Also, consider flashing around the chimney may need attention. If so, repairs average $350 with prices ranging from $200 to $500. It is important to realize that different roofing contractors can have prices that vary enormously, so shop around and it is wise to be judicious, check out the contractors who are hiring because if you are given an estimate with a very low price it may be that the roofer is not working legally.

Source:

1. “The Most Common Commercial Roofing Problems Solved.” Roof Repair | Renco Roofing | Phoenix, AZ | Roofing Company, 22 Mar. 2019, www.rencoroofing.com/the-most-common-commercial-roofing-problems-solved/.
2. “Top 5 PHX Roof Problems | Allstate ROofing.” Allstate Roofing of Arizona, 9 May 2019, www.allstateroofingaz.com/roof-repair/the-top-5-phoenix-roof-problems/.

Roof Repair in Mesa & Phoenix by Right Way Roofing, Inc. 

Your roof is what keeps your home dry during rainstorms and protects the interior of your home from leaks, mold, and mildew. If you have a roof that hasn’t been taken care of by previous owners or has been damaged talk to the roofing repair experts at Right Way Roofing, Inc.  Our roof inspection team finds the damage fast, identifies the source of leaks, and provides affordable repairs.  The repairs and replacement roofing we offer is the highest quality and longest lasting roofing solutions available.

Categories

RIGHT WAY ROOFING IS A RESIDENTIAL AND COMMERCIAL ROOFING CONTRACTOR LOCATED IN PHOENIX ARIZONA

Call us TODAY! East Valley: 480-232-5458 or West Valley: 602-299-8851

Roof Repair Cost Phoenix
Written by webtechs

How Much Does Roof Repair Cost In Phoenix, Arizona

The average roof repair cost in Phoenix is $700. Roof repair costs in Phoenix range from $275 to $2,000 in 2018-2019. Read more about national roof repair costs here. These averages represent overall roof repair costs in Mesa, Tempe, Chandler, Gilbert, Glendale, Carefree, Cave Creek, Scottsdale, Paradise Valley, Peoria, Fountain Hills and other areas in Arizona.

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RIGHT WAY ROOFING IS A RESIDENTIAL AND COMMERCIAL ROOFING CONTRACTOR LOCATED IN PHOENIX ARIZONA

Call us TODAY! East Valley: 480-232-5458 or West Valley: 602-299-8851

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