Will Ins Cover Metal Roof Over Shingles Problems

Some people think that they can just install the metal roofing right over the old shingles roof without any barrier in between but this is highly not recommended.

Will ins cover metal roof over shingles problems.

If you have a damaged roof you re likely going to have problems within your home that will lead to more claims. Assuming your roof isn t in shambles a standard insurance policy covers the following roof damages. But the extent to which insurance covers these damages depends on a few factors. Insurers consider a roof s age and condition when providing coverage.

Yes you can install a metal roof over shingles. While the life of a metal roof is much longer investing in a metal roof only makes sense if you plan to stay in your home long enough to enjoy the cost benefits. Metal roofs and composite shingles. Both metal and shingle roofs are great options for your next roofing project.

When a major storm is coming document the roof s condition before and after. As a matter of fact it could end up being a considerable headache if things go in the wrong direction. Most homeowners insurance policies won t pay to replace or. Clay and concrete tiles.

If you have an asphalt shingle roof that is over 10 years old for example the likelihood of claim denial goes up. Age of roof and insurance. Yearly once the roof is 5 years old. After all you ll be making a significant and long term investment.

With that mind many insurers view roofs as critical. Some insurers won t even cover your home if it has an older roof. Wood shingles and shakes. Every 2 years after 15 years.

Every 2 3 years after they are 10 years old. Every 2 3 years after they are 10 years old. Adding more insulation during installation usually solves this problem but that may increase costs. However you ll want to check with your local building department before you make any decisions.

If you are trying to decide between the two materials it s important to carefully look at the metal over shingle roof problems. Things to know about metal over shingle roof problems. The problem with this is that as the metal heats up and expands or cools down and contracts it moves a little on the roof. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event.

Or they may offer a claim settlement that is lower than you hoped.