Get an Expert Roof Inspection
Whether you’re purchasing an existing home, you have filed a claim on your insurance company, or your insurance company may require a roof inspection. Regardless of the reason for roof inspections, they can be concerning for most of us.
Protect your home investment! Schedule a comprehensive roof inspection in Midland, TX today by calling Hartman Roofing at 432-522-1117 to ensure your family’s safety and preserve your property value. Don’t wait for leaks or damage to escalate. Our experienced team is ready to identify and address potential issues. Act now and enjoy peace of mind under a secure and durable roof!
Why are roof inspections so concerning?
The findings of roof inspections can be concerning, depending on the purpose. For example, roof inspections can be what keeps you from getting a house financed. They can be the cause of your homeowner’s insurance rates being increased, or even your policy being canceled.
When filing a roof claim, the results are used for the insurance company to determine how much they are going to pay for your claim or deny your claim. You should review your homeowner’s insurance policy once a year to refresh your memory of what the coverage amount is along with your deductible.
What is the purpose of roof inspections?
A key reason for roof inspections is to determine if the roof is adequately performing the intended function. The roofing inspector or insurance adjuster will look for deterioration, hazards, and weaknesses. There are many components of roof inspections:
What is included in roof inspections?
Here in Texas, an abbreviated list of common components included in roof inspections are:
- The overall appearance of the exterior surface
- The overall appearance of the attic and the house’s interior
- Cracked, curled, or missing shingles
- Dented shingles, missing granules, peeling shingles
- Condition of drains, fascia and soffit, gutters
- Condition of chimney, skylights, and vents
- Condition of flashings and roof valleys
- Adequate attic insulation and ventilation
- Inspect ice dams
Once roof inspections are completed, a roofing contractor will provide a written report along with their recommendations and a quote for the work. An insurance adjuster will provide a written report of their findings and how much they will pay toward a new roof or roof repairs.
What is the average cost of roof inspections?
The square footage, the angles, and the height of a roof will have an impact on the cost of roof inspections. Many roofing contractors will provide roof inspections for free, and those that do charge will deduct that from the cost of the job.
Most roof inspections for 1200- to 1500-square-foot homes average around $300 to $400, but they can be as much as $500 to $600 for larger, multi-floor homes. Today, many roofing contractors use drones with infrared cameras to perform roof inspections for a comprehensive report.
How frequently should roof inspections be done?
Roof inspections are recommended after any significant weather events, especially if there is a hailstorm and high winds involved. Any roof that is older than 5 years old should be inspected once a year.
How does the insurance company determine roof repair instead of replacement?
If the insurance adjuster and/or the roofing contractor deem that 25% or more of the roofing surface is damaged after completing roof inspections, they will recommend replacing the entire roof. If you choose to only have repairs made, you could be faced with two possible issues:
1). The repaired areas won’t match the rest of the roof aesthetically or structurally.
2). Your insurance company could deny any future claims or even cancel your policy.
Are roof inspections the same as roof certification?
A roof certification is typically requested by an insurance company or a bank when purchasing an older home. It provides an assessment of the overall condition of the roof. This assessment will also include an estimation of the lifespan. An insurance company may request a roof certification to assess their liability and risk before agreeing to coverage.
What is the cost of roof replacements?
The cost of a roof replacement will depend on the type of roofing material you choose and the size of the home. An average home of 1200 to 1500 square feet with architectural asphalt shingles can cost around $30,000. This will include the roofing materials needed, the labor, and any additional repairs needed to the rafters and roof decking.
Staying on Top
Most homeowners hope to never need a new roof, and roof inspections are essential to knowing if it is time for a new roof. With a roof properly installed and maintained, you can expect these lifespan estimates:
- Three-tab Asphalt shingles: Between 10 and 15 years
- Architectural Asphalt Shingles: Between 30 and 50 years
- Composite Shingles: Between 40 and 50 years
- Clay Tiles: 50 years and longer
- Concrete Tiles: 50 years and longer
- Metal Roofing: 50 years and longer
- Slate Tiles: 50 years and longer
- Wood Shakes: Between 40 and 50 years
- Wood Shingles: Between 25 and 30 years
When it is time to get a new roof, get at least 3 estimates and compare what they offer within those estimates. Not all roofing contractors are the same, and the most expensive isn’t always the best one. Ask for proof of certification and insurance, and get the latest references for similar jobs, then follow through in checking those references. To schedule a roof inspection in Midland, TX, call 432-522-1117.