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Will Homeowners Insurance Cover a Leaking Roof?

Roof Repair Protection with Homeowners Insurance

Navigating your homeowners insurance can provide you with knowledge on roof repair coverage!

As a homeowner, roof repairs and the information surrounding them can be daunting. Navigating the specifications of an insurance policy can be even more so. Yet when there is a roof leak or other roofing damages, there is no choice but to look into the matter so repairs can start. Here, we’ll take a look into the matter surrounding insurance coverage and how to react when a roof leak is present in your residential home. It’s important and recommended that if you have any questions, to contact your insurance to see what your policy does and does not cover.

Is roof repair covered by insurance?

Depending on your policy, the area you live, the age of your roof and other factors you’ll be able to determine if you are eligible for roof repairs on your insurance. Typically, your homeowners insurance will cover roof damages from unpreventable reasons such as severe inclement weather (like tornadoes, hail or hurricanes,) acts of vandalism or fire. In some cases, your insurance may send over or request you contact an inspector to assess the damages to see what they can and can not cover. It’s important in any case to take pictures of the damages for your roof repairs insurance claims and records so you may send them in when it’s necessary for repairs.

Protect Your Home From Roof Leak Damages!

When you’re experiencing a roof leak there are potential damages you want to avoid!

Will homeowners insurance cover a leaking roof?

Your homeowners insurance will cover a leaking roof depending on the conditions that caused the occurrence. If the leak was the result of inclement weather than they are likely to cover the cost, yet if it involves natural wear and tears that may be another story. However, if your policy takes age into consideration and your roof is 10 years old or younger, than they are likely responsible for full costs.

Is a roof leak an emergency?

A roof leak can be an emergency depending on the extent of existing damages or if there is inclement weather that will increase damages. Some leaks may require simple patch-ups with flashing and shingles whilst others may be signaling more severe underlying issues that may need more extensive and costly replacements. Some examples may be poor initial roof installations, ice dam formation, animal infestation, tree fall or improper roof insulation.

What to do if roof is leaking?

Roof Inspections Allow for Relevant Repairs on Underlying Issues!

Roof inspections will allow professionals to assess underlying issues of your home!

If your roof is leaking, it’s important to locate the leak and make efforts to stop or cover the areas of potential damage. If a roof leak is causing water stains or infiltrating to the interior of your home than cover any appliances and roof (only if safety won’t be compromised) if there will be a storm with durable waterproof covers until a repair service can come over. Call your insurance and local roofing services to conduct a roof inspection. A roof leak can be minor or a clue that there are more severe underlying issues occurring that may call for more extensive roof repairs or replacements.

Can a leaking roof collapse?

A leaking roof can cause collapse only if infiltration has been long-standing and has compromised the structural support of your roof. It can be a sign of underlying issues that are aggravating the structural integrity of your home. Issues that can cause a roof collapse can be weakened water logged rafters, rotted wood framing, buckled wall coverings, damaged ceiling joists, fascia boards, exterior trim or wall framing. It’s always important to conduct annual roof inspections so you can catch problems in their initial stages before they progress to these more advanced degrees of roof damages.

Metal Roofs Are a Great Roof Replacement Option!

Metal roofs will protect your roof from inclement weather & increase your tax basis!

Are roof repairs tax deductible?

Unfortunately, roof repairs can’t be deducted from your taxes in the year that you made your repairs however if you track your expenses they may help in reducing your taxes the year you sell your home. Typically, this involves increasing your tax basis which relies on home improvements. Home improvements can include Kitchen remodeling or any additions such as sunrooms or other changes that will boost value in reselling your home. In a case where you are conducting a roof replacement from a severe leak or roof damages with new energy-efficient materials such as Metal roofing, you can count that as a home improvement.

When a roof leak or other roofing emergency occurs, be sure to take your safety into consideration and get professional help when necessary. If you find that you have more roof repair questions that haven’t been answered, be sure to contact your insurance or local roofing company for assistance!

If you require roof repairs in , call 972-850-8331 with !

Why Install Metal Roof

Metal Roof

We Can Help You With All Your Metal Roofing Needs.

Metal roofing is an extremely popular roofing option for almost any roof that you might have. More and more people are even putting metal roofing onto their residential homes. This is because there are many metal roofing benefits that come along with this material. One of the biggest ones is that it can last for a very long time. On average, a metal roof can last around 70 years, which is an extreme amount of time if you are considering how long people on average live in one home. This roof will also hold up against heavy rain or intense heat so if you are looking at getting a metal roof in Dallas, TX, this may be a good option due to the extreme weather patterns. When choosing a roof, there are a lot of different variables that you can pick from to make sure that it is right for you. Metal is obviously a lot more expensive upfront, but when you take into consideration, how long it lasts, its ability to protect, and how great it looks on almost anything, you may start to see why it is so popular. If you think about it in the way that you will have very minimal maintenance on this roof and it won’t need to be replaced for potentially the rest of your life, you may reconsider the price tag.

Questions About Metal Roofs

Is it cheaper to get a metal roof or shingles?

Your upfront cost when comparing the price of a metal roof vs a shingle roof will show you that a shingle roof will be much cheaper to have installed, but when you start to look at all of the other factors, metal is actually the cheaper option in the long run. It may be worth considering saving to get a metal roof instead of opting for the shingle roof from the get-go.

What is the best color for a metal roof?

If you are basing this off of what will be more energy efficient for your home, a lighter or “cooler” color is your best option. Metal roofing comes in a wide range of colors so you can essentially have any color you like, but if you are trying to save some money, a cooler color like white would be best. We can show you different options that will work for you.

How long will a metal roof last?

The life of metal roofing will vary with each different type of metal, but on average, around 70 years, with some metals like zinc, lasting over 100 years. There are also ways to prolong the life of metal roofing, like adding a roof coating to help with energy waste and stronger protection.

Are metal roofs noisy?

When metal roofs are installed, there are thick sheathing pieces that are installed underneath that create a noise protectant barrier. They actually work so well that metal roofs are often less noisy than many other kinds of materials. The idea that metal roofs are noisy during the rain or hail is something that people often think and worry about when they don’t need to.

Does metal roofing save energy?

Metal roofing is actually a top energy saving material and can save you up to 40 % more on your energy bill. It is also great at keeping the heat inside your home during the winter. The reason for this is because metal does not absorb heat the way that other materials do. It typically will be able to reflect it off of the roof and the lighter the color, the better it will work.

Are metal roofs better?

This depends on who you are asking because everyone will prefer a different type of roof. Metal roofing is a top contender when it comes to great roofing materials. It is commonly used on homes and commercial buildings because it lasts for a long time and will be able to keep your building or home protected with confidence.

Do Metal Roofs leak?

If a metal roof is installed incorrectly, it will leak. The only other reason that a metal roof would be leaking is if there was some kind of damage to the top of it. For the most part, a metal roof will not have any leaks unless the contractor has installed it incorrectly.

What is the minimum slope for a metal roof?

The minimum slope for a metal roof is ¼:12 or more. The steeper the slope, the better ability that water has to run off of it and not cause any damage.

Types Of Metal Roofing

Brown Metal Roof

Metal Roofs Are a Great Addition To Any Roof.

  • Copper
  • Zinc
  • Aluminum
  • Stainless Steel
  • Coated Steel
  • Standing Seam
  • R-Panel
  • U-Panel
  • Corrugated Metal

When you want to know more about metal roofing in , , call 972-850-8331 to speak to the pros at .

Which Tile Roof Is Best For You?

red tile barrel roof

You Can Get a Spanish, Ceramic, Clay, or Concrete Tile Roof Installed

Tile has long been a favorite roofing material among home and business owners, alike. Beautiful and durable, a tile roof can last 100 years before needing to be replaced. Resistant to all kinds of weather including fire and chemicals, you’ll be hard pressed to find a more enduring roof. Because tile is often handmade and no two roofs are ever the same, this raises the price exponentially. There are ways to lower it some, like getting concrete tile instead of clay tile. It is important to note that all tile is very heavy, so make sure that your roof and foundation can support the weight before purchase and installation. There are four main types of tile: Spanish, clay, concrete, and ceramic. Slate is sometimes categorized as tile, but is made of stone. If you are interested in getting a tile roof in , , call at 972-850-8331 today.

Types of Tile Roofs

Spanish: Requires a lot of upkeep as the Mediterranean-style barrel tiles trap water underneath them which allows mold and leaks to occur.

Clay: The original form of tile roofs, they are handcrafted and one-of-a-kind, so repairs and replacements are hard to get exact matches. They can break from large hail and crack in extreme cold.

Concrete: Made of sand, cement, and water to mimic the look of clay tiles but at half the price. They are the heaviest roofing system due to the cement inside them.

Ceramic: The second most popular tile roof option after clay. It is available in a wide variety of colors.