Your insurance company said you have no damage and denied your claim, what are your options?
- Get a second opinion: If you believe that your roof has sustained damage, it’s important to get a second opinion from a reputable roofing contractor. They can inspect your roof and provide an assessment of any damage that may be present. If they find damage, make sure to get a written report that you can provide to your insurance company.
- Review your policy: Take a close look at your insurance policy and make sure you understand your coverage and any exclusions. Your insurance company may have denied your claim because the damage is not covered under your policy.
- Appeal the decision: If you disagree with your insurance company’s decision, you can appeal the decision. Contact your insurance company and ask for details on the appeals process. Be prepared to provide additional evidence of the damage, such as photographs or a written report from a roofing contractor.
- Get legal advice: If you have tried to appeal the decision and are still not satisfied with the outcome, you may want to consider seeking legal advice. A lawyer who specializes in insurance claims can help you understand your legal rights and options.
I have a roof leak, what do I do?
If you have a roof leak, it’s important to take action quickly to prevent further damage to your home. Here are some steps you can take:
- Identify the source of the leak: Try to locate where the water is coming in from. Look for stains on the ceiling, water drips, or wet spots on the walls. If you can access your attic, look for signs of water damage, such as mold or water stains on the rafters.
- Protect your belongings: Move any furniture or belongings away from the area where the water is coming in to prevent them from getting damaged.
- Temporarily patch the leak: If you have a tarp or some plastic sheeting, you can cover the area where the water is coming in to prevent further damage. Use a hammer and nails to secure the tarp or plastic sheeting in place.
- Call a professional: While a temporary patch can help prevent further damage, it’s important to have a professional inspect and repair your roof as soon as possible. A professional roofer can identify the source of the leak and make any necessary repairs.
What are the 5 most common types of roofing?
- Asphalt shingles: Asphalt shingles are the most popular type of roofing material in North America. They are relatively inexpensive, durable, and come in a variety of colors and styles.
- Metal roofing: Metal roofs are becoming increasingly popular due to their durability and longevity. They are available in a range of materials, including steel, aluminum, copper, and zinc, and can last up to 50 years or more.
- Clay and concrete tiles: Clay and concrete tiles are a popular choice for homes with a Mediterranean or Spanish style. They are durable and fire-resistant but can be expensive to install.
- Slate roofing: Slate roofing is a natural stone that is durable and fire-resistant. It can last up to 100 years or more and is an ideal choice for homes with a traditional or historic style.
- Wood shingles and shakes: Wood shingles and shakes are made from natural materials, such as cedar or redwood. They are a popular choice for homes with a rustic or cottage-style aesthetic but require regular maintenance to prevent rot and decay.
What color roof should I get?
Choosing the color of your roof is an important decision as it can impact the overall look and curb appeal of your home. Here are some factors to consider when choosing the color of your roof:
- Climate: If you live in a hot climate, lighter color roofs are more energy-efficient as they reflect sunlight and heat. On the other hand, if you live in a colder climate, a darker roof may be more appropriate as it can help retain heat.
- Home Style: The color of your roof should complement the style of your home. For example, a traditional home may look better with a neutral color roof, while a modern home may benefit from a more bold or contrasting color.
- Neighborhood: Take into consideration the colors of the roofs in your neighborhood, as you may want to choose a color that blends in or complements the surrounding homes.
- Personal Preference: Ultimately, the color of your roof should be a reflection of your personal style and taste. Consider what colors you are drawn to and what will make you happy every time you see your home.
What type of roof is best?
There isn’t one type of roof that is best for everyone, as the best type of roof for your home depends on a variety of factors, such as your budget, climate, personal preferences, and the style and structure of your home.
Here are some of the most common types of roofs and their benefits:
- Asphalt shingle roofs: Asphalt shingle roofs are the most common type of roof in North America because they are relatively inexpensive and easy to install. They come in a wide range of colors and styles, are fire-resistant, and can last up to 20-30 years with proper maintenance.
- Metal roofs: Metal roofs are becoming increasingly popular due to their durability, longevity, and energy efficiency. They come in a variety of materials, such as steel, aluminum, copper, and zinc, and can last up to 50 years or more with proper maintenance.
- Tile roofs: Tile roofs are a popular choice for homes with a Mediterranean or Spanish style. They are durable, fire-resistant, and energy-efficient but can be expensive to install and maintain.
- Slate roofs: Slate roofs are made from natural stone and are known for their durability and fire-resistance. They can last up to 100 years or more with proper maintenance but are expensive to install.
- Wood shake roofs: Wood shake roofs are made from natural materials and are a popular choice for homes with a rustic or cottage-style aesthetic. They are durable and energy-efficient but require regular maintenance to prevent rot and decay.
What is roofing underlayment?
Roofing underlayment is a layer of material that is installed between the roof deck (the surface that the roofing material is attached to) and the final roofing material (such as shingles, tiles, or metal panels).
The purpose of underlayment is to provide an additional layer of protection for the roof, helping to prevent water infiltration and other types of damage. It is particularly important in areas where heavy rain or snowfall is common, as well as in regions where the temperature can fluctuate dramatically.
Underlayment is typically made of a synthetic material such as felt, rubber, or synthetic fabric. It is available in different weights and thicknesses depending on the climate and the type of roofing material being installed. For example, a heavier weight underlayment may be used in areas with a high risk of water infiltration or in regions with extreme weather conditions.
There are two main types of roofing underlayment: felt paper and synthetic underlayment. Felt paper is a traditional type of underlayment that has been used for many years, while synthetic underlayment is a newer material that offers improved durability and resistance to water and weather damage.
Regardless of the type of underlayment used, it is an important component of a roofing system that helps to protect the home and prolong the life of the roof.
How long does a roof replacement take?
The time it takes to replace a roof can vary depending on several factors, including the size and complexity of the roof, the type of roofing material being installed, and the weather conditions during the installation. However, in general, most roof replacements can be completed within 1 to 10 days.
Here is a general timeline for a typical roof replacement:
- Preparation: Before the installation process can begin, the old roofing material must be removed, and the roof deck must be inspected for any damage or decay that needs to be repaired. This process usually takes one day.
- Installation of underlayment and flashings: The next step is to install the roofing underlayment and any necessary flashings around vents, chimneys, and other roof penetrations. This process typically happens on the first day as well.
- Installation of roofing material: Once the underlayment and flashings are installed, the new roofing material can be installed. The time it takes to install the new roofing material depends on the type of material being used and the complexity of the roof. For example, asphalt shingle roofs can typically be installed within one to two days, while a metal or tile roof may take longer.
- Final inspection and cleanup: Once the new roof is installed, a final inspection is conducted to ensure that the roof is installed properly and there are no leaks. The final cleanup is then done to remove any debris and leftover materials.
What are the different types of asphalt shingles?
There are three main types of asphalt shingles:
- 3-Tab shingles: These are the most basic and economical type of asphalt shingles. They have a flat, uniform appearance and are designed to be installed in a single layer. 3-Tab shingles typically have a lifespan of 15-25 years.
- Architectural shingles: Also known as dimensional or laminated shingles, architectural shingles are thicker and more durable than 3-Tab shingles. They have a more textured, multi-dimensional appearance and can mimic the look of other roofing materials like wood or slate. Architectural shingles typically have a lifespan of 30-50 years.
- Luxury shingles: These are the most high-end and expensive type of asphalt shingles. They are made from premium materials and have an even thicker, more textured appearance than architectural shingles. Luxury shingles often come with longer warranties and can have a lifespan of 50 years or more.
Why should you have a contractor inspect your roof at the same time with the insurance agent?
Having a roofing contractor inspect your roof at the same time as your insurance agent can be beneficial for several reasons:
- Comprehensive inspection: A roofing contractor can provide a more comprehensive inspection of your roof, including any hidden or hard-to-see damage that may be missed by an insurance adjuster. This can ensure that your insurance claim accurately reflects the full extent of the damage.
- Expert opinion: A roofing contractor can provide an expert opinion on the best course of action for repairing or replacing your roof. This can help you make informed decisions about your insurance claim and ensure that the repairs are done properly.
- Communication with the insurance company: Having a roofing contractor present during the insurance inspection can help facilitate communication between the contractor and the insurance company. This can ensure that everyone is on the same page regarding the extent of the damage and the necessary repairs.
- Speed up the claims process: By having a contractor present during the insurance inspection, you can speed up the claims process and get your roof repaired or replaced more quickly. This can help minimize any further damage to your home and ensure that your family is safe and protected.
Ready to start your project?
Request a quote