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What’s going on with your roof?

From an article in the latest issue (March/April) of the American Automobile Association “Living” magazine, here’s some interesting information relative to the roof on your house.

What To Know

Shingles are rated for a certain number of years, indicating how long they are guaranteed against manufacturers defects. It’s not a guarantee of how long the roof will last.

Asphalt shingles naturally lose some granules over time. Finding small amounts in gutters is not an automatic signal that you need to replace your roof.
A homeowner’s insurance policy will take care of damage caused by fire, vandalism and “acts of God,” like a hailstorm. It does not cover roof repair that’s due to normal wear and tear.
Many types of damage, such as from hail or wind, affect only a specific part of the roof. When a damaged roof is repaired, insurance only covers replacement of the part that has actual damage.

What to Do

Replace missing shingles and worn seals around vent pipes, skylights and chimneys to prevent leaking. Remove leaves to prevent moisture from deteriorating the roof.

Before replacing an older roof, talk to your insurer about discounts available for wind mitigation. A roof built with materials and features that resist windstorm damage could qualify for a discount on your insurance premiums.

Inspect your roof in late fall when you clean your gutters. If you find damage, contact your insurance company and have them send someone to review the problem.

If you have an aging roof, have a qualified roofing professional perform an inspection every few years or at the first sign of problems.

Filed under: Blog by Erin Hudson

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