storm damage

30
Jan

Will Filing an Insurance Claim After a Storm Increase Insurance Rates?

damage storm increase insurance rates

Scared that filing an insurance claim after a storm will increase insurance rates? 

You are not alone!  But fortunately, your insurance company is NOT ALLOWED to increase your insurance rates from damage due to storms (or Acts of God).

“But my friend, neighbor, brother-in-law, co-worker, (FILL IN THE BLANK) once told me that filing an insurance claim will make my rates go up.”

Why do most people assume that filing a home insurance claim will increase their rates?

Because we have been conditioned into assuming that a claim, any claim, will cause rates to go up.

Auto insurance has worked this was for so long, we assume all insurance, including home insurance, will operate the same way.

Home insurance does NOT work this way.  

How is home owner insurance different?

The reason behind your claim is the determining factor in whether or not the insurance company can increase your rates (or drop you).

The reason behind a storm claim is very simple – a storm.

Your insurance rates CANNOT be increased due to claim related to a storm.

The answer is simple.  If you have storm damage, make a claim!

Get the money your are owed, WITHOUT the fear of increasing insurance rates.



Want more information?  Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us. 

No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

21
Nov

5 Reasons You MUST Notify Your Insurance Company After A Recent Storm

recent hail storm map texas

Why You Must Notify The Insurance Company After A Recent Wind or Hail Storm?

One of the most frequent questions asked is “Do I need to notify my insurance company?” or similarly, “Do I have to call my insurance company?”

The simple answer is YES.  Call and make an insurance claim.  Not only does it makes sense but you most likely must do it or you breach your insurance contract.

Homeowners often are nervous about making an insurance claim, even after storm damage.  Usually this fear stems from past experiences related to auto insurance.  That being, that rates will increase after a claim.  But property insurance contracts and State insurance laws are different.

Top 5 Reasons To Notify The Insurance Company After A Recent Hail Storm

1. If you have recently received damage you are more than likely REQUIRED to notify the insurance company under your policy.

2. In the future, they can deny a roof replacement claim due to undisclosed and previous damage.

3. There exists a statute of limitations on insurance claims.  Once this run out, the insurance company can deny your request to replace the roof.

4. You are paying for insurance in case of storm damage or similar reasons.  Why would you not use it?

5. Your rates CANNOT be raised for making a claim, whether approved or denied.  Repeat the words: CANNOT be raised.

So in the immortal words of Nike, Just Do It!

Notify the Insurance Company after a recent hail storm by making an insurance claim.  Get the estimated damage and monies available to replace your roof from the insurance company.

Bid out the job to at least seven different companies to find the best contractors at the best price.  Save tons of money. Enjoy your new roof.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

25
Jul

5 Secrets Roofing Storm Chasers Don’t Want You To Know

Sleazy roofing storm chaser

Sleazy Storm Chaser

What sneaky tactics do roofing storm chasers use?

Large-scale storms with wide spread damage attract contractors who know that reputable businesses are overwhelmed.

Roofing storm chasers do what their name describes. Chase storms around the country to hawk their roofing contractor services.  While some companies are legitimate, many of these storm chasers are unscrupulous.

What are these shady tactics?

  1. Prey on the elderly.  Roofing storm chasers amp up their aggressive sales tactics when an elderly person answers the door.  Many elderly tend to be more trustworthy or give people the benefit of the doubt and therefore do not research the roofer. Storm chases will inflate the cost or ask for money on top of the insurance proceeds.
  2. Ask for cash up front. When widespread damage occurs, it might seem reasonable for a contractor to ask for a deposit to reserve their services.  Sadly, the day the homeowner gives the storm chaser $2,000 or more is usually the last day they will see them.
  3. Fake or create damage. Ball-peen hammers. Spoons. Golf balls. Dimes.  The list can go on and one. Roofing storm chasers have a terrible reputation for faking damage.  Creating or “adding” damage where none exists and collecting insurance money can carry criminal and civil penalties.
  4. Paying for the deductible. It sounds so good.  Get insurance money, get roof fixed, and never pay a deductible.  Disreputable roofing storm chasers pay for or absorb the homeowner’s deductible to get the business.  A homeowner is committing insurance fraud if the contractor promises to pay the deductible and does so.
  5. Negotiate for more money. In 44 out of 50 states, roofers cannot legally negotiate an insurance claim without an adjuster’s license.  Contractors can defend their pricing but not negotiate a claim settlement.  If negotiations are necessary, property owners should hire an experienced Avvo-rated attorney since they are paid only a percentage of any new money they negotiate for the homeowner.

REMEMBER:  Only use local roofers with great BBB ratings and outstanding reputations.  Get at least 7 bids from roofers before making a decision.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

23
Jun

Hail Damage in Sienna Plantation and Fresno, Texas

May 25-26th Hail Storm Swath near Sienna Plantation and Houston

May 25-26th Hail Storm Swath near Sienna Plantation 2-3″ Hail

Did your roof sustain hail damage in Sienna Plantation or the Fresno/Arcola area this past April or May 2015?

Not only hail damages roofs.  Strong winds also cause damage to your roof, fences, and trees.

It has been roughly two years since Missouri City (77459, 77489) or Fresno / Arcola (77545) areas saw hail of this size.  The last hail storm of any significance was April 2013.

Hail paths show the center of the hail storm and its concentration point.

Note that the hail path shows just the center of the storm; the actual swath of the storm is much, much larger.   What does this mean?  If a property was anywhere near this path it got hit.  The question of course is how much damage did the hail or wind cause.  This image was taken by the NOAA and the HailStrike weather service at 2:29 AM, May 26th.  Their radar shows 3 inch hail.

The first image shows the path ONLY.   The second image below shows the swath of the storm and areas affected along the path.

May 26th @ 2:29 AM Hail Path without Swath

Hail 3 inch @ May 26th 2:29 AM

Did you get large or small hail?

Even small hail can cause significant damage in large volumes or high winds.  Ever seen a picture of hay needles or branches stuck into the side of a barn from tornado winds?  Even small hail such as pea or marble-sized can do significant damage when thrown at 60-70 mph.  The latest Sienna Plantation and Fresno/Arcola hail storms had very high winds.

Extremely strong wind and hail damage in Sienna Plantation on May 26 @ 2:34 AM

As you can see in this snapshot the radar is showing hail size of 2.5 inches.  But the entire storm lasted from May 25th @ 3:29 PM to May 26th @ 7:29 AM.

The tricky part is that small hail “pock marks” cannot easily be seen from the ground.  Also, much of the damage is likely from the wind.  Wind can lift up the shingles essentially tearing your roof apart; BUT at the same time if the damaged sections do not literally detach from the roof they will settle back down and the damage cannot easily be seen from the ground.

Do not let this opportunity pass by!  Have your roof examined by your insurance company free of charge and without risk of a rate hikes.  Then get a new roof!

Sienna Plantation Hail 2.5 inches May 26th 2:34 AM

Hail 2.5 inches May 26th 2:34 AM

What to do if you suspect you have hail damage in Sienna Plantation or Fresno/Arcola areas?

Call, Examine, Act

  • Call your insurance company, open a claim, and have your roof examined. REMEMBER: Your rates cannot be increased for making a storm related claim.
  • Examine the results of the insurance company’s estimate of damage before doing anything else.
  • Act by taking advantage of the insurance company’s estimate and their money:
    • If they agree to replace your roof in full then start by:
    • If they DO NOT agree to replace in full, but only part of your roof then:
      • Get 3 roofers to look at your roof to get their opinion OR
      • Hire a licensed insurance adjuster (not a Public Adjuster) to verify the actual damage OR
      • Contact RoofBidders and we will advise you AT NO CHARGE based on satellite imagery and ground spotters.
    • After getting multiple bids by high quality roofers, put a new roof on your home, and save tons of money.

NOTE: If the insurance company denies your claim and you know you have damage from the latest Sienna Plantation or Fresno/Arcola hail storms (or any other storm) then contact an attorney.

REMEMBER:  Take advantage of infrequent but powerful storms to upgrade your home by having the insurance company buy you a new roof whenever possible.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

28
May

5 Reasons To Notify The Insurance Company After A Recent Hail Storm

recent hail storm map texas

Thunderstorms Bring Hail to Texas

Why Notify The Insurance Company After A Recent Hail Storm?

One of the most frequent questions asked is “Do I need to call my insurance company?” or similarly, “Do I have to call my insurance company?”

The simple answer is YES.  Call and make an insurance claim.  Not only does it makes sense but you most likely must do it or you breach your insurance contract.

Homeowners often are nervous about making an insurance claim, even after storm damage.  Usually this fear stems from past experiences related to auto insurance.  That being, that rates will increase after a claim.  But property insurance contracts and State insurance laws are different.

Top 5 Reasons To Notify The Insurance Company After A Recent Hail Storm

1. If you have recently received damage you are more than likely REQUIRED to notify the insurance company under your policy.

2. In the future, they can deny a roof replacement claim due to undisclosed and previous damage.

3. There exists a statute of limitations on insurance claims.  Once this run out, the insurance company can deny your request to replace the roof.

4. You are paying for insurance in case of storm damage or similar reasons.  Why would you not use it?

5. Your rates CANNOT be raised for making a claim, whether approved or denied.  Repeat the words: CANNOT be raised.

So in the immortal words of Nike, Just Do It!

Notify the Insurance Company after a recent hail storm by making an insurance claim.  Get the estimated damage and monies available to replace your roof from the insurance company.

Bid out the job to at least seven different companies to find the best contractors at the best price.  Save tons of money. Enjoy your new roof.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

 

15
May

Brazoria County Hail Storm? What to do next.

Brazoria County Hail Storm Hail Paths

“Hail and wind like I haven’t seen in all the years I’ve lived here,”

said James S., a Lake Jackson resident who also works in Brazoria County.  Later he remarked “Northwood and West Columbia got hit pretty good and the weather service said Angleton got some 4 inch hail”.

This is no surprise if your reside almost anywhere in Brazoria County, Texas.  Last month’s April showers brought high wind, hail, and what some were calling a 500-year rain.

While a Brazoria County hail storm is not unheard of, it has been several years since Brazoria has seen hail larger than a marble.

The picture above shows a hail path we mapped around Angleton and Lake Jackson from just a single day.  The hail path shows just the center of the storm; the actual swath of the storm was much, much larger.   What does this mean?  If a property was anywhere near this path it got hit.

Did you get large or small hail?

Even small hail can cause significant damage in large volumes or high winds.  Ever seen a picture of hay needles or branches stuck into the side of a barn from tornado winds?  Even small hail such as pea or marble- sized can do significant damage when thrown at 60-70 mph.  The latest Brazoria County hail storms had very high winds.

Brazoria County Hail Storm pea sized hail

Small hail which caused damage in Brazoria
County

What to do if you suspect you have roof damage from the Brazoria County hail storms?

Call, Examine, Act

  • Call your insurance company, open a claim, and have your roof examined. REMEMBER: Your rates cannot be increased for making a storm related claim.
  • Examine the results of the insurance company’s estimate of damage before doing anything else.
  • Act by taking advantage of the insurance company’s estimate and their money:
    • If they agree to replace your roof in full then start by getting at least 7 bids from qualified roofers (Better Business Bureau, etc.).
    • If they DO NOT agree to replace in full, but only part of your roof then:
      • Get 3 roofers to examine your roof to get their opinion OR
      • Hire a licensed insurance adjuster (not a Public Adjuster) to verify the actual damage OR
      • Contact RoofBidders and we will advise you AT NO CHARGE based on satellite imagery and on the ground spotters.
    • After getting multiple bids by high quality roofers, put a new roof on your home, and save tons of money.

NOTE: If the insurance company denies your claim and you know you have damage from the latest Brazoria County hail storm (or any other storm) then contact an attorney.

REMEMBER:  Take advantage of infrequent but powerful storms to upgrade your home by having the insurance company buy you a new roof whenever possible.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

 

 

18
Mar

Common Low-slope Roof Problems : Part 2

low slope roof decay

Shingle failure

Common Low-slope Roof Problems

In our previous post we noted that many “standard” housing units in the United States primarily use what is considered a “low-slope” roofing style and some  of the common issues with low-slope roofs by highlighting an article by Jane Madison at Builders Magazine.  Below is the wrap up of the most common problems.

PUNCTURES AND THE ADDITION OF PENETRATIONS POST-INSTALLATION

For all owners, but especially those with single-ply or spray polyurethane foam (SPF) roof systems, damage from foot traffic can be problematic. “Punctures are something on high-traffic areas that can be a problem,” says Harriman of single-ply systems. “One of the things we like to do is add walkway paths or extra sacrificial layers of membrane.”

C.A.R.E. notes abuse of the finished roof as one of the nine most common problems plaguing single-ply systems, stating, “Heavy construction traffic can cause scrapes/cuts in the membrane and damage to the underlying substrate. In addition to leaks, this can cause premature problems with the roof membrane and may void the guarantee.” Limit traffic and conduct cursory inspections after tradespeople have been on the roof.

All roof systems’ performance is compromised when new equipment and penetrations are added to an existing roof, unless proper precautions are taken. When penetrations are added and deleted from a metal roof, the results can be disastrous. “You are sometimes left with a compromise and a lot of caulking and sealants. Metal roofs move a lot. There is a lot of expansion and contraction, and if you are left to deal with caulking, you’re probably going to have problems eventually,” Harriman warns.

SAFETY

The installation of hot bituminous and torch-applied mod bit systems requires strict adherence to safety procedures. Overheating asphalt can result in burns, and fires in the kettle and on the roof, C.A.R.E. warns. In torch-applied mod bit applications, fire extinguishers should be present and MRCA CERTA program guidelines should be followed.

During installation, odors from cold-applied mod bit systems can cause discomfort and alleged illness among building occupants. Outside air intakes should be covered in roofing areas, recommends C.A.R.E.

IMPROPER REPAIRS

Using materials that are not intended for application on specific roof types can result in permanent damage to the roof. “One of the most common problems we see with metal roofs is improper repair. People go up with caulking and plastic roof cement and improper materials that are in no way intended for that purpose,” Harriman says. “You can make a small problem worse through that improper repair.”

Pierce agrees. However, this problem isn’t exclusive to metal roofs. “On a built-up or modified roof, that five-gallon bucket of plastic cement can solve a lot of problems. But if I take that five-gallon bucket of plastic cement up on a single-ply membrane, I may actually damage the membrane itself,” she says. Follow the manufacturer’s instructions for proper use and take note of repair products with a shelf life.

SHRINKAGE

Single-ply roof types are each unique. “If you walk out onto an EPDM roof today, one of the first things you’re going to look for is evidence of shrinkage,” Harriman notes. “The two most common things I see, especially on ballasted membranes, are pulling of the flashings (which is due to shrinkage of the field membrane) or you could have deterioration – surface crazing and cracking of uncured membrane, commonly used at perimeter and penetration flashing

BLISTERING

Blistering, ridging, splitting, and surface erosion are symptomatic with BUR, and can eventually lead to bigger problems. While blisters are not always worth fixing, one of significant size should be addressed. According to C.A.R.E., inadequate attachment of hot bituminous roof systems due to asphalt heated to an improper temperature can cause blistering, along with the slipping of felts, and accelerated aging. Bad interply integrity and dry laps can also result in the appearance of blisters.

Voids and holidays can be problematic in the application of torch-applied modified bitumens. “If the membrane is not torched properly, it will result in delamination, slippage, and blisters,” the C.A.R.E. CD-Rom reports. Moisture and air trapped in modified bitumen roofs can vaporize, causing a blister. “Many times it’s non-threatening, unless it’s affecting the lap area and then it probably needs to be repaired,” says Harriman.

With cold-applied mod bit systems, the entire membrane should be installed in the same application (i.e., scheduled around work breaks and/or holidays). C.A.R.E. pinpoints the consequences of improper sequencing of work as contamination and poor adhesion between the cap sheet and base ply: ultimately, blisters, delamination, leaks, and voids.

During the installation of spray polyurethane foam systems, recovering over a wet substrate can result in severe blistering and delamination, notes Harriman.

Ensuring a quality installation, providing the roof with consistent maintenance, and the early detection of problems through routine inspections can help maximize roof life. As the roof ages, the likelihood of problems increases. However, it is how these problems are addressed that will determine the fate and future of your roof system.

This wraps up the part two of the Most Common Low-slope Roof Problems. 

Thanks again to Jana J. Madsen (jana.madsen@buildingsmedia.com) the managing editor at Buildings magazine.   For more information about C.A.R.E., visit (www.gaf.com) or e-mail (care@gaf.com).


Want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us. No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue

24
Feb

Will filing an insurance claim increase premiums?

insurance claim

Homeowner’s Insurance Policy

Will An Insurance Claim Increase Premiums?

Most people associate filing an insurance claim with rising policy rates.  The fact is, this is usually not true.  Claims made due to “Acts of God” such as wind, hail, or other storm damage will NOT cause an increase in your premiums.  Furthermore, insurance companies CANNOT drop your coverage for making such a claim.

Property insurance is different from auto insurance.  Auto insurance has dozens, sometimes hundreds of tiers for premium rates.  Auto insurance rates consider claim history, citation record, driver’s license points, and various other factors which contribute to the policy owner’s tier and premium.  But when in comes to property insurance premium rates, claims they do not necessarily dictate the rates for homeowner’s insurance.

Homeowner’s insurance focuses more on the region in which the property is located.

As previously mentioned, an insurance company cannot raise an individual’s rates when a claim is filed due to weather-related damage.  The number of catastrophes an area has suffered in the past few years, the potential risk in the area, the type of residential home, the amount of coverage bought, and other factors dictate premium cost.

Filing one claim will not spike an individual premium rate.

Premiums may go up in the subsequent years, but it is not a direct result of a legitimate claim. The premiums are usually raised in bulk for a given region, not individually, and insurance companies can only submit rate increases once per year.  Thus, when asking yourself, “will filing an insurance claim increase premiums?” tell yourself, “No, it will not.”

In fact, if you have a loss with significant damage, the right thing to do is file the claim.

Why file an insurance claim instead of paying out-of-pocket?

First, you have been paying premiums every year for exactly this reason.  Why not use your insurance for what it’s designed?   Second, most policies require that you MUST notify the insurance company if you have significant damage or coverage could later be rejected for “hiding” this information.  Could you still to choose to pay for your roof out-of-pocket and never use insurance money?  Sure, but if they offer money we suggest taking it.  Think about it for moment…they are returning some of your money you previously gave them.

Finally, rates tend to go up so take advantage of your insurance coverage when you get the opportunity.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

8
Nov

Roof mold – Is it dangerous?

Black "roof mold" on shingles

Black “roof mold” on shingles

Roof Mold.  What is it and is it dangerous?

Is it algae, moss, lichens, fungi, or possible deadly black mold?   We have all heard about deadly black mold growing in homes.  But rest assured, that roof mold is not that rare deadly black mold.

But on houses receiving the right conditions of shade and moisture/humidity, growth of things like algae, moss, or fungi will grow.  In areas with high humidity or frequent rainfall, ensure that your roof is exposed to as much sunlight as possible.

Roof mold or other growths may be merely unsightly; but in more severe cases, can begin destroying shingles.

With algae and some fungal growth, the extent of the damage may only be shingle discoloration.  In warm, humid conditions, certain airborne algae can grow on shingles, leaving “roof mold” that is black or dark-green stains.

Moss or lichens growing on a roof are more likely to hold moisture against the shingles, which can accelerate damage.  Furthermore, if left untreated, their roots or growth structures will eventually penetrate and shorten the life of roof shingles.

Another likely source of damage is the cleaning methods used to combat roof mold or algal growth.

Pressure washing and harsh chemicals can cause rapid granule loss or other shingle degradation.   As is the case with algal treatment, the removal methods for roof mold may cause more damage than the growth itself.  But that does not mean you just leave the growth.  Take preventative measures to combat these growths since roof mold can be destructive.

Tree damage is also a leading cause of of the discoloration attributed to roof mold.

Roof damage from tree branches are a major contributor to needed roof repair or replacement.  Branches that rub against the roof cause granule loss and in some cases cut through the shingles or pull them out of place.  This loss of granule will change the color of the shingles as they are removed.

Unsightly “roof mold” may be the least of your concerns if branches are not trimmed when they come in contact with the roof.  During a storm, heavy winds may cause branches to break off and land on your roof causing major damage to the shingles and decking.

Trim away any overhanging tree branches and maintain your gutters and downspouts so that rainfall will drain quickly.

Confused or want more information?

Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

24
Oct

How do I know when to replace my roof? Danger signs for a roof. – part two

Roof problems that help answer the question, “How do I know when to replace my roof?” part two

Last week we pointed out that the guys over at GAF, who manufacture roofing materials, posted a really good set of photos to help you determine if you have red flags that need to be carefully examined.   They call them Key Danger Signals of a Failing Roof?

Let’s look at the other danger signs that likely point to a roof replacement need.  But remember that not every type of roof damage means you have to replace your roof.  You might be able to patch it and then prepare and plan to have it replaced in the near future.

But be on the lookout for the issues below to help answer the question, “How do I know when to replace my roof?”

Stains on Interior Ceilings and Walls or Mold and Mildew Growth

Possible cause: Leaking water supply or drain line OR inadequate, faulty shingle underlayment which allows leakage.  Mold could also be caused by inadequate ventilation which traps moisture.

 

Stains leading to roof replacement

Stains indicating water penetration

Exterior Decay, Sheathing, and/or Siding

Possible cause: Poor attic ventilation.  If the exterior of your home looks like this picture you have a real problem.  Does this answer the question, “when to replace my roof?”  Not yet.  But you need to figure out what is causing this problem. You might have a leak which is slowly eating away at your sheathing or siding.

 

exterior damage indicating roof replacement need

Siding damage

Missing, Cracked, or Curled Shingles

Possible cause: Shingles have reached the end of their useful life OR a major storm tore up the roof.  Sometimes your shingles have just reached their end of life and you need to replace the roof.  If you have 20 year shingles, have had your roof on for 25 years, and it looks like this photo you can answer the question, “How do I know when to replace my roof?” in by nodding your head repeating after me, “Yes.  I need a roof replacement.”

 


singles destroyed indicating roof replacement  need

Major damage to shingles

 

Dark, “dirty-looking” areas

Possible cause: Loss of granules due to age of shingles.  This one is tough.  Your singles might have simple been worn down over time or you might have mold growing on your roof.  It is important to take a closer look.  Do not jump to roof replacement mode just because you have a few worn shingles.  In this photo, the granules have definitely been worn away.  This is a warning sign that a roof replacement is in your future.  But does this answer the question “when to replace my roof?”  Not exactly but it is a warning sign.  At some point these shingles will fail but you still might have a few years if the rest of the roof is in fair shape.

shingles  missing granules indicating time to replace roof

Shingles with missing granules

Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.