No matter what type of structure you have, every home and business owner want their roof to last as long as possible. From the worst possible catastrophe with your roof, such as severe storm damage, to a minor leak that causes unsightly stains, keeping your roof in tip-top shape can save a lot of money and headaches.
The best way to do this is through preventative maintenance. Depending on the type of roof and what material was used to cover it, there are a number of ways to keep your asset secure and your family safe.
Regular Roof Inspections
Maintaining your roof requires regular examinations, preferably by a professional roofing inspector. This post explains why roof inspections are important to preventative maintenance for your roof:
Roof inspections are simply inspections that determine the integrity of a roof, how long it may last, and when it will need to be replaced. Roof inspectors are not going to climb up on your roof or the roof of a home you are thinking of buying and pull up shingles or tiles. Roof inspectors have special procedures wherein they can determine the lifespan of a given roof without tearing into it. At first glance it might seem that roofing inspectors would have to pull up part of the roof to do a thorough examination, but if you consider your own roof, you would not want anyone tearing holes in it just to see if it was in good shape.
Roof inspectors also have super-technical techniques like infrared roof inspections where they don’t even have to touch the surface of the roof itself to determine a roof’s integrity. This process uses infrared rays to locate parts of a roof that are at higher or lower temperatures than the rest of the roof. These “hot spots” can show a roof inspector just exactly where heat is escaping.
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Every property owner should have a schedule of preventative maintenance in place. There are factors such as how much exposure there is to sunlight and wind as well as local temperature extremes that will make one area of your roof more vulnerable than other areas.
Cleaning off the debris from your roof is helpful in preventing problems such as fungus or algae building up, which will eventually damage the shingles. Keeping the gutters clear is also important for allowing the proper drainage away from your roof.
This video offers good tips for roofing maintenance:
You should always document any problems that are noticed for future reference. Insurance claims are difficult, but keeping track of any problems and work that is done will save you time when it comes to whether or not a repair is under warranty.
After the inspection comes the execution phase of the upkeep. As mentioned, some areas will need more attention than others, but repairing any missing shingles or a sagging roofline are a must as these are problems that could spell disaster.
Insurance Companies and Your Coverage
Working with insurance companies can be tough, as they will inspect any damages and repairs that were made and if they conclude that the damage was due to improper roof maintenance, you’ll be responsible for the replacement costs. Be sure to hire a reputable Denver roofing company and that everything is well documented.
According to an article on Angie’s List, other exclusions in your home owner’s policy that could keep you from being covered are:
Materials: Some insurance policies won’t cover certain roofing materials, such as slate, recycled shakes or other “green” materials because of the extra maintenance costs. Make sure to check your policy before installing a new roof to ensure the cost will be covered.
Old roof: Because it’s impractical for insurance companies to cover a roof that’s nearing the time for replacement, many won’t cover roofs more than 20 years old or so.
If your insurance company has a restriction on your roof’s age, it’s important to understand how a roof’s age is defined. While many homeowners will put new shingles over old, many insurance companies don’t view this as a new roof. They calculate a roof’s age from the bottom layer of shingles.
Also, most insurers won’t insure a roof with more than two layers of roofing material.
Repair vs. full replacement: In some cases, homeowners insurance will cover only a roof repair but not a complete replacement. Typically, insurance covers a roof repair, such as shingles missing after a storm. But if the damage means you need to replace the entire roof, your policy might not foot the whole bill.
When you are searching for a roofing maintenance company in Denver, check online reviews before hiring, ask family and friends for their input and always ask for references from all contractors you are considering hiring.