Are you aware of the type of roof your home has? How many more years until it will need replacing? The vast majority of us do not even consider the roof, unless a problem arises; either the wind has blown shingles off, or water is coming in. Here are a few of the most popular types of roofing materials:
Asphalt shingles, which are attractively priced, and do not require much expertise to install. Many kinds with varying life spans are available, and a wide range of colour and styles can be chosen, and they are fire resistant and easy to repair. The usual life expectancy is 20 years.
Wood shingles or shakes: This material is also very popular due to the aesthetic appearance and life expectancy. If the wood roof is maintained carefully and of course, expertly installed, they can last for 25 years or more. This material only has a Class C fire rating or none at all. Have a look at the building codes in your city. Your rating could be bumped up to a Class A if they are treated with a fire-resistant material.
Concrete or clay tiles are fireproof, attractive, and have a wide variety of style and colour to choose from. They typically last for 30 years, and are highly durable, with little maintenance required. Extra framing may be required with these tiles, as they add extra weight to the roof.
Tar and gravel is a good option for a roof that has a slope to it that is on a low angle. It consists of layers of asphalt and tar paper that are fastened to the roof surface with molten asphalt applications. Gravel is then added after the layers are laminated, and the gravel protects from UV degradation and keeps the layers flat on the roof. Typically, these roofs last for around 20 years.
Metal roofs do well in country that has heavy annual snowfalls. This type of roof sheds snow very well, reducing the risk of collapse. When properly installed and maintained, metal roofs will last 30 years or more. Metal roofs last a long time, but they also weigh less than other kinds of roofing, and during bad weather, they hold up surprisingly well.
Roof maintenance is important
Whatever type of roof you have, you can help improve its lifespan by doing an inspection at least once a year. Asphalt shingles could have worn granulars, or curled edges and cracks, so have a look for these signs of wear. Hire someone who is qualified to remove snow from your roof if you have heavy snowfall in the winter months. This will help keep water from entering the house. Your home's eavestroughs should be checked periodically throughout the year to make sure that debris isn't building up. Doing these basic necessities for your roof will add years to it's life.
Look over your current home insurance policy annually
Home insurance is a basic necessity to protect a homeowner if an emergency occurs. Damage caused by hail, weight of ice or snow, wind, or falling objects are the types of losses that may be covered. Wear and tear is an example of losses that wouldn't be covered by your policy. When a roof is falling apart due to neglect or extreme age, the insurance company will either not cover the entire cost of damage, or could not provide any coverage for damages. Some policies limit the payment for roof damage to its actual cash value (ACV) or depreciated value, while others will pay to repair or replace the roof.
Asphalt shingles, which are attractively priced, and do not require much expertise to install. Many kinds with varying life spans are available, and a wide range of colour and styles can be chosen, and they are fire resistant and easy to repair. The usual life expectancy is 20 years.
Wood shingles or shakes: This material is also very popular due to the aesthetic appearance and life expectancy. If the wood roof is maintained carefully and of course, expertly installed, they can last for 25 years or more. This material only has a Class C fire rating or none at all. Have a look at the building codes in your city. Your rating could be bumped up to a Class A if they are treated with a fire-resistant material.
Concrete or clay tiles are fireproof, attractive, and have a wide variety of style and colour to choose from. They typically last for 30 years, and are highly durable, with little maintenance required. Extra framing may be required with these tiles, as they add extra weight to the roof.
Tar and gravel is a good option for a roof that has a slope to it that is on a low angle. It consists of layers of asphalt and tar paper that are fastened to the roof surface with molten asphalt applications. Gravel is then added after the layers are laminated, and the gravel protects from UV degradation and keeps the layers flat on the roof. Typically, these roofs last for around 20 years.
Metal roofs do well in country that has heavy annual snowfalls. This type of roof sheds snow very well, reducing the risk of collapse. When properly installed and maintained, metal roofs will last 30 years or more. Metal roofs last a long time, but they also weigh less than other kinds of roofing, and during bad weather, they hold up surprisingly well.
Roof maintenance is important
Whatever type of roof you have, you can help improve its lifespan by doing an inspection at least once a year. Asphalt shingles could have worn granulars, or curled edges and cracks, so have a look for these signs of wear. Hire someone who is qualified to remove snow from your roof if you have heavy snowfall in the winter months. This will help keep water from entering the house. Your home's eavestroughs should be checked periodically throughout the year to make sure that debris isn't building up. Doing these basic necessities for your roof will add years to it's life.
Look over your current home insurance policy annually
Home insurance is a basic necessity to protect a homeowner if an emergency occurs. Damage caused by hail, weight of ice or snow, wind, or falling objects are the types of losses that may be covered. Wear and tear is an example of losses that wouldn't be covered by your policy. When a roof is falling apart due to neglect or extreme age, the insurance company will either not cover the entire cost of damage, or could not provide any coverage for damages. Some policies limit the payment for roof damage to its actual cash value (ACV) or depreciated value, while others will pay to repair or replace the roof.
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For further details, please visit renter insurance, or if you're a first time home buyer visit www.squareoneinsurance.ca.
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