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Is The Insurance Company Stating Your Roof Is Too Old?

Is your insurance company telling you that the roof of your home is too old? Did you take a look, and everything seems perfectly fine? Maybe it is time for a second opinion from a property damage lawyer. Here at Your Insurance Attorney, our team specialized in roof claims and want to make sure you get all the information you need. 

Why are they telling me to get a new roof?

Keeping a comfy roof over your head is one of peoples’ highest priorities, no matter where they are. When it comes to homeowner insurance roofs can quickly become a lot more complicated than just shingle or tile. Insurance carriers have detailed data on how long roofs are expected to last, what are the most common causes of roof-related claims, and which types of roofs tend to work best.  

There are two main things to consider when talking about roofing. The first is whether the roof is made of standard shingles, architectural shingles, or tile. The second is the shape of the roof, which is important to how much pressure blowing wind must exert on it before damage will occur and if water can pool on it and cause leaks well after it rains. A hip roof is always preferable for standing up to wind and for insurance rates, but gable roofs will still protect you and your family. Flat roofs are rare but tend to be harder to insure since we get so much rain.

If your Florida house was built or got a new roof after 2002 there is a very high chance that it will be have the newest and most stringent building codes. Secondary water resistance, which is a rubber-like water-tight barrier that sits underneath the shingles or tiles but above the wooden decking became much more common post-2010. So what is the difference between shingle and tile?

Other than price, and there is a huge difference between the two there, we must first look at standard shingles versus architectural shingles. Standard shingles fit together on the roof like a puzzle. They sit flat and butt up against each other. Architectural shingles overlap one an other, so the roof appears textured or 3-dimensional. Standard shingles are expected to last about 15 years in Florida conditions, while architectural shingles are expected to last 20 years. 

Roof Claims

If your home has been damaged through some type of disaster, vandalism, or you have suffered a loss through theft, you have likely filed a claim with your insurance company.

This can often take quite a bit of time, and some insurance claims even get denied or paid insufficiently, which is unsatisfying and can seem unfair. As an insurance attorney Miami locals trust, we don’t sit around waiting to see how your insurance company is going to help you, we talk directly with them and let them know what exactly you are entitled to. Best of all you incur no fees unless you win!

Property Damage Lawyer 

Find out all you need to know about roof claims. The last thing you want is for your home to fall victim to insurance companies.

Let our property damage lawyer help. We have everything you need to know. At The Injury Assistance Law Firm, our personal injury lawyer is here to ensure you are updated when it comes what you need to do for your roof. Call our Orlando Personal Injury Lawyer today for more information. Our office is near Orlando. 

 

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