In the aftermath of the 2004-2005 hurricane season millions of roofs were replaced in Florida, Alabama and Mississippi. The roof covering has a finite life span and even minimal windstorms or hurricanes and hail damage can cause substantial damage to the interior of your home if the roof is older or need of replacement.
A roof replacement is part of the normal maintenance routine of the home, an older roof that is damaged in a windstorm will cause a higher claim so many insurers are inspecting the roof covering and roof system for any preexisting damage or indications that replacement is needed.
The insurance policy does not cover normal maintenance or wear and tear and claims triggered by a lack of maintenance or worn out roofs can result in significant water damage to the interior of the home. Once the interior is damaged, there is a much higher likelihood the residents will have to seek temporary housing while repairs are completed, this called Adjusted Living Expense (ALE) and adds to the cost of a claim that may have been avoided with proper maintenance and care of the home. The inspection is a visual survey of the roof elements to identify and provide information for the following:
Roof replacement, and other home improvement, documentation should be kept in a safe place with your insurance policies, The following information is helpful in identifying the age of the roof:
The life span of a roof is dependent on many factors, the most important are:
|Asphalt Shingles (3 - tab)||20|
|BUR (Built-up Roof)||30|
|Clay / Concrete||100+|
|Coal and Tar||30|
|EPDM (Ethylene Propylene Diene Monomer) Rubber||15-25|