When dealing with roofing claims and roof damage, it’s important to understand how roofing systems work and why replacing a roof is generally better than trying to repair it. Roofing claims can be confusing and stressful, but having the right knowledge can make the process smoother and ensure you get the best outcome for your home.
How Roofing Systems Work
A roofing system is more than just the shingles or tiles you see on top. It includes several important parts that work together to protect your home. These parts include:
- Underlayment: A layer beneath the shingles or tiles that provides extra protection against water infiltration. There are different types of underlayment, such as felt, synthetic, and rubberized asphalt, each with specific benefits.
- Flashing: Metal pieces that seal joints and edges to prevent water leaks. Flashing is commonly used around chimneys, vents, and skylights to direct water away from these vulnerable areas.
- Ventilation: Systems that allow air to flow and prevent moisture buildup. Proper ventilation is crucial for extending the life of your roof and preventing problems like mold and rot.
All these parts must work together as a system to keep your home safe from weather and other elements. This coordinated effort helps prevent common problems such as leaks, mold, and structural damage, ensuring the roof’s longevity and reliability.
Why Repairs Often Aren’t Enough
Many people may think that fixing a damaged roof by patch or partial repairs is enough. However, repairs will never restore the roof to its original condition. A patch repair might fix an immediate problem such as a leak, but will not restore the entire system’s original integrity. This means the roof will no longer work as well as an original integrated roofing system.
In some cases, a repair might be okay, especially if you’re paying out of pocket and willing to accept some risks. But this is not the best solution for most situations. Here are a few reasons why repairs might not be enough:
- Inconsistent Performance: A patched area might not tie in perfectly, or reliably causing potential leaks where the newer repairs meet the original roof, especially as the roof continues to age.
- Aesthetic Issues: Repairs can sometimes be visible and detract from the overall appearance of your roof.
- Limited Lifespan: A repair might only be a temporary fix, requiring further repairs or replacement sooner than anticipated.
Specific Scenarios Where Repairs Might Fail:
- Severe Weather Conditions: A patched roof might not withstand strong winds, heavy rain, or hail storms as effectively as a fully restored roof.
- Aging Roofs: Over time, the entire roofing system wears out, and patch repairs might not address underlying issues that come with an aging roof.
Risks of Inadequate Repairs:
- Increased Insurance Premiums: Insurance companies may raise premiums if they determine that repairs are insufficient and pose a higher risk.
- Reduced Property Value: Potential buyers might be deterred by visible repairs or known issues with the roof, leading to a lower property value.
Check with a Roofer If you’re unsure, ask a roofer if they will guarantee (warranty) the roof after a patch repair. Then, call a few more roofers and ask the same question. Most roofers will tell you that patch repairs are not a good long-term solution.
Building Code and the Importance of Roof Replacement
Building codes are rules that ensure buildings are safe. In Florida, these rules often require replacing a damaged roof instead of just patching it. For example, the “25% rule” says that if more than 25% of your roof is damaged, the entire roof must be replaced. This rule helps ensure that repairs meet high standards and protect the overall integrity of the building.
Consequences of Not Following Building Codes:
- Insurance Issues: Your claim might be denied if repairs don’t meet code requirements.
- Safety Concerns: Improper repairs can compromise the safety of your home, leading to potential hazards.
- Legal Repercussions: Non-compliance with building codes can result in fines or legal actions.
Understanding Your Insurance Coverage
Most homeowners have replacement cost value (RCV) coverage because mortgage companies require it. This coverage means that if your roof is damaged, the insurance will pay to replace it with a new one, not just patch it up. Mortgage companies want this because patch repairs usually aren’t enough to keep the roof working well and protecting the home. They want to ensure that the property remains in good condition to protect their investment.
Florida Matching Statute
This law in Florida prevents insurance companies from making patch repairs with mismatched materials. Mismatched repairs not only detract from the property’s value but can also compromise the roof’s functionality. This law was created after hurricanes showed that poor repairs led to big issues for homeowners. Many other states have also enacted versions of a matching statute as well.
Issues with Insurance Companies
Insurance companies sometimes prefer cheaper, quicker repairs instead of full replacements because it saves them money. This might leave you with a roof that isn’t fully fixed and could cause more trouble later. Here are some common tactics insurance companies use:
- Lowball Offers: Offering a settlement that is lower than the actual cost of proper repairs.
- Delay Tactics: Prolonging the claim process in the hope that homeowners will settle for less.
- Technicalities: Using policy language to deny or minimize claims.
How to Counteract These Tactics
- Document Everything: Keep detailed records of all communications, damages, and repairs.
- Get Multiple Estimates: Obtain quotes from several contractors to ensure you get a fair assessment.
- Seek Professional Help: Consider hiring a public adjuster or attorney to help navigate the claims process.
Knowing how roofing systems work and why full roof replacements are usually better than patch repairs is important for protecting your home. With replacement cost value insurance coverage, you should get a new roof if it’s damaged. Don’t let insurance companies push for repairs that aren’t in your best interest.
Use this information to make smart decisions about your roof. Understanding your roofing system and insurance coverage is crucial. Always aim for a comprehensive solution that ensures your roof’s long-term health and protects your property. Being proactive and informed will help you navigate roofing claims effectively and ensure the best outcome for your home.
For more information on discontinued roofing tiles, download our PDF Info Sheet on discontinued roofing tiles here. This guide provides detailed information on tile types that are no longer available and can help with your claims process.
If you have concerns about your coverage or need help understanding your policy, contact us. Our team at Tighe P.A. can help you understand your insurance policy and make sure you’re protected. Reach out to us today for personalized advice and support.
