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What is Hail Damage to a Roof?

hail damage on a roof

What size hail will damage a roof?

Texas is in the infamous “tornado alley” and with that kind of weather comes hard winds and huge hail stones. So filing hail damage roof insurance claims should be second nature for homeowners. Yet, as many homes that are destroyed by that weather, there are many that have not ever had to deal with that process, or first-time homeowners may not have any idea how to handle a hail damage roof claim. 

The first question would be, is hail damage to roof covered by insurance? The answer is a yes and a no, it all depends, and what any roofing contractor or insurance agent will advise is to review your policy. The next would be to document the damage, pictures, and videos. 

 You need to confirm your homeowner’s insurance covers natural causes and perils. This would include fire, wind, or hail damage roof. Some homeowner’s insurance policies have exclusion for hail and wind, meaning, repair or replacement won’t be covered. 

Over 4,600 hailstorms were registered by the NOAA in the United States. Not all hailstorms hit tornado alley. In 2019 Colorado was in the midst of a storm cluster and plummeted by a hailstorm. The largest hailstone on record hit Bethune Colorado with a hailstone almost 5 inches in diameter. Is it any wonder that property damage runs in the billions with hail damage roof and other types of damage every year?  

The studies and surveys of hail damage roof and are endless with the sizes of hail stones. The impact of these ice stones on different roof types noted in field observations found that a one inch hail stone can damage an asphalt roof to the point of roof replacement in most cases. Size comparisons for the mind:  

  • Pea  = 1/4-inch diameter hailstone
  • Marble = 1/2-inch diameter hailstone
  • Dime or penny = 3/4-inch diameter hailstone 
  • Nickel = 7/8-inch hailstone
  • Quarter = 1 inch hailstone
  • Golf Ball = 1½  inches hailstone
  • Tennis Ball = 2½ inches hailstone
  • Baseball = 2¾ inches hailstone
  • Teacup = 3 inches hailstone
  • Softball = 4 inches hailstone

What hail damage on a roof looks like?

If after a hailstorm you have broken, cracked windows, damage to siding, gutters dented, etc., then you probably have hail damage roof too. As you can guess, by the size comparison we provided, it doesn’t take a large piece of hail to create hail damage roofs. 

Common hail damage roofs with asphalt, clay, or concrete shingles, hail can crack these, even shatter the clay or concrete shingles. So, yes, that is damage you can’t miss, but what the untrained eye can’t see with hail damage are the following: 

  • Black Dots
  • Granule Loss
  • Bruised Shingles
  • Impacts Dent and Marks
  • Shingle Splits and Tears 

What do you do if your roof has hail damage?

The process will take time, patience is a virtue when dealing with insurance claims. Your first step after a hailstorm, do your own visual inspection as you walk around your home. Take pictures or a video, make notes of what you can see in hail damage roof, siding, windows, etc., then follow these steps:

  1. Then call a roofing contractor for a  hail damage roof inspection. Most will offer a free inspection for hail roof damage, but if they do charge, that cost is deducted from any work they do once you file your insurance claim. 
  2. Make sure you get a bonded, insured, and licensed roofing contractor. This will be substantial help if you have to file a hail damage roof claim with your insurance company. Schedule the appointment when you’re at home so they can show you what they find and discuss what is needed. They should furnish you a written estimate that will include the following information: Materials needed, Labor charges, Work to be specified, Time to complete job, Payment options, Building permits, Warranty and conditions.
  3. Do not sign any contract at this time. Signing an inspection report for contingency you’ll use this roofing company will negate your ability to get other bids and it could release any insurance payment directly to the roofer. 
  4. Next, call your insurance company and file a claim if the inspection found substantial hail damage roof repair or replacement is needed. If the roofing contractor’s inspection indicates the scope of loss isn’t as much as your deductible, but repairs are needed, you’ll be better off paying for that out of pocket. 
  5. With your hail damage roof claim filed, the insurance company’s claims adjuster will contact you and schedule an appointment to do their own inspection. Offer to send them the pictures and videos you have as well as a copy of your notes and the roofing contractor’s estimate. 
  6. Schedule your roofing contractor to meet with the insurance adjuster at your home. Remember, the roofing contractor is on your side and wants the job. The insurance company adjuster is on the insurance company’s side and is going to try to save them money. 
  7. The insurance claims adjuster will create a report with their inspection and findings, and either prepare an estimate for repairs or replacement, or recommend your claim be denied.  

What should you not say to an insurance adjuster?

First, you want to review your policy thoroughly before the insurance adjuster arrives so that you know your rights and what is covered. Never argue with what they may point out, but don’t miss the opportunity to point out what you and your roofing contractor found in damage either. 

If there was any previous damage to siding, like the kid’s football hit the house last week, don’t point it out. Let the insurance adjuster make that assessment. Same with any broken or cracked windows. Let your roofing contractor do the talking when it comes to the hail damage roof and other areas of your property.

How long do you have to claim hail damage on roof?

Again, we can’t repeat this enough, review your homeowner’s insurance policy on a regular basis. Each policy can vary on this particular topic and every insurance company has their own guidelines. Typically, most standard homeowner’s insurance policies require any hail damage roof claim, or damage of other parts of your property, be file within 12 months of the damage. 

chalk circles on roof

Should I replace roof after hail damage?

After a hailstorm, if the roof is leaking, that is a no-brainer. At the very least, roof repair is needed, and likely with a leak, replacement is probably required. However, because hail damage roofs isn’t always obvious to the untrained eye, you’ll need a reliable roofing contractor to advise you.  

Do not go with a storm-chasing contractor. Choose a local, reliable roofing contractor with a reputation and can provide documents they are bonded and insured. They will advise you if repairs are sufficient, if you should replace the roof, or if there isn’t any hail damage. Yes, it is possible to go through a hailstorm and not have any hail damage roof issues. 

So you don’t have to worry with hail damage roof claims again, what type of roof is best for hail? This may seem funny if you aren’t aware there is such a roofing product, but a rubber roof is the best solution to minimizing hail damage rooftops. 

A rubber roof has a tremendous impact resistance because it absorbs the impact and disperses it back into nature, much like a UV resistant roof reflects the sun’s rays back out. Once the hailstones hit a rubber roof, it will return to its original shape. 

However, if the hailstones are large enough and hit hard enough, the rubber roof will sustain the impact, but the decking under it may not. It is recommended to still have a professional roofing inspection done after a hailstorm to inspect the decking and all components related to roofing. Call (940) 441-4544 today for your hail roof damage in Justin & Fort Worth, TX.

What Is the Difference Between Architectural Shingles and Asphalt Shingles?

A Roofer Installs Asphalt Shingles.

What is the difference between architectural shingles and asphalt shingles?

When you’re getting a new roof put on, more often than not these days—especially with new construction—roofers will install architectural shingles. These are the most common type of asphalt shingle roof installed today. They are different from traditional 3-Tab asphalt shingle roofing. Architectural shingles are typically more durable and feature a double layer of materials as opposed to a single layer of 3-Tab shingles. They also come in diverse textures, shapes, sizes and colors. If you’re looking to replace your roof, whether architectural or 3-Tab, and want asphalt shingle roofing in Justin & Fort Worth, TX, look to the professionals at J Riley Roofing. We provide a full range of roofing solutions. Give us a call at (940) 441-4544.

How often should asphalt shingles be replaced?

Different types of shingles have different lifespans. An asphalt shingle roof’s lifespan will depend on what type of shingle you install. Architectural or composition shingles have a lifespan of about 18 to 20 years, although they can last 30 years or longer under the right conditions with regular maintenance. Standard 3-Tab asphalt shingles last about 12 to 15 years. On average, after about 15 to 20 years, no matter how well maintained, you should replace your roof.

What are the longest lasting roof shingles?

When you’re replacing your roof, you want a roofing material that’s going to last a long time and withstand the elements. While metal and tile roofing is often the most durable type of roofing materials with lifespans of 40 years or more—slate tile can last centuries—they are also often impractical or too expensive to install. That’s why roofers tend to use some type of asphalt shingle roof, usually architectural or 3-Tab shingle. These shingles are inexpensive and easy to install, as well as durable. Depending on the type of shingle installed, you’ll get about 12 to 30 years out of them. Premium shingles that are impact-resistant cost a little more but can last as long as 50 years. Wood shingles or shakes are also long-lasting—about 40 years—but are costly and difficult to install, and pose a significant risk of fire. In some areas, you also might not be allowed to install wood shingles because of the fire hazard.

How long do asphalt shingle roofs last?

You’re going to get a lot of life out of an asphalt shingle roof. How much will depend on what type of roof you select as well as variables like maintenance, location, weather, attic ventilation, and a reputable and experienced contractor like J Riley Roofing installing them.

Types of asphalt shingles

  • 3-Tab: Your standard flat shingle. You can expect to get anywhere from 12 to 20 years from them.
  • Architectural: These shingles are commonly placed on most modern homes. The average lifespan is 20 to 30 years.

Premium or impact-resistant: A little more expensive than other shingles because of their Class 4 impact-resistance rating, they are valued in areas that get large amounts of hail or high winds. These shingles will last 30 years or more.

What are asphalt roof shingles made of?

Oddly enough, when you install an asphalt shingle roof, the shingles are not wholly composed of asphalt. Most shingles are composed of a base material of either felt paper or fiberglass that is coated with a layer of waterproof asphalt. The asphalt is then covered with a layer of ceramic granules. Architectural shingles have two layers of asphalt.

Can asphalt roof shingles be painted?

If you aren’t satisfied with the color of your asphalt shingle roof, you might be considering painting the shingles. You can do this; however, most roofing professionals, including us, recommend against it. This largely because it’s going to take a lot of upkeep to maintain the roof after it’s painted. That’s because as the roof wears and weathers, the granules that cover the asphalt will wear away leaving blotchy patches over your roof that you’re going to have to repaint continually. You’re also going to have to use paint that can endure your roof’s high heat levels. If you do paint the roof, use high-quality 100% acrylic latex paint that features a flat finish. Some paint manufacturers produce specialized paints that also protect against mildew and algae growth, which is recommended. Before you paint shingles, you also want to check the manufacturer’s warranty, as some warranties are invalidated when the shingle is modified.

Is a metal roof better than asphalt shingles?

Many people are turning to metal roofing for their homes instead of sticking with asphalt shingles. Metal roofs do have their advantages, including longevity and low maintenance. Insurance companies often provide discounts because metal roofs are fire and damage resistant. But, one distinct disadvantage metal has over asphalt shingles is cost. Initial installation costs for metal roofs are about twice to three times more than asphalt. This initial installation expense can be prohibitive for some. Asphalt shingle roofs are also typically easier and less expensive to repair. Much of the choice will depend on what the homeowner needs, wants, and can afford.

What are the worst roof shingles?

For the most part, modern roofing shingles are pretty high-quality. Of course, even the highest-rated manufacturers can occasionally produce flawed materials.

What you want in a shingle is durability, and these shingles are typically going to be heavier and stronger, and high-performing—they weather the elements well and are resistant to common problems like algae growth. Most of all, you want shingles that are covered by good warranties, typically a 30-year warranty. Poor-quality shingles rarely come with good warranties and won’t perform well.

Ask your roofing contractor about the warranties on the shingles they use. If it’s a good warranty, it’s probably going to be a good shingle. J Riley Roofing prefers GAF products because of their product warranties and consistent and proven high-quality performance.

A Roofer Installs 3-Tab Asphalt Shingle Roof.

How to replace asphalt shingle roof

Roof replacement typically isn’t a do-it-yourself job. If you are looking to replace your asphalt shingle roof in Justin & Fort Worth, TX, you can always count on the trusted professionals at J Riley Roofing. We provide a full range of roofing solutions to meet all your roofing needs. Schedule a time to get an estimate from us by calling (940) 441-4544.

When to Get a Roof Inspection

A Roofer Inspects a Roof.

When to get a roof inspection

Homeowners often take their roofs for granted until a leak breaks through the ceiling or a hailstorm slams into it. Only then do they call a roofing company to get a roof inspection and repair. While leaks and storms are good times to follow up with a roof inspection, an inspection should actually be part of your regular home maintenance plan, and most roofing professionals advise you should have your roof inspected annually. This can help you take care of any minor repairs if needed before the damage gets worse or alert you that it’s time to replace the roof.

Fall or spring are often good times to schedule this maintenance inspection. That’s because the colder the weather the harder it becomes for roofers to make repairs or even replace roofs. Cold weather, for instance, keep shingles from sealing down correctly, which can compromise the installation. It can also be very dangerous to make repairs on an icy roof.

You can also rely on a professional roof inspection for a roof insurance claim, and any home inspection for a home sale should include a check of the roof. If you need a reliable roof inspection from an experienced residential roofer in Justin & Fort Worth, TX, you can always count on J Riley Roofing. Call us today at (940) 441-4544 to schedule your inspection.

What happens during a roof inspection?

Whether you’ve scheduled a roof inspection to check for damage or as part of regular maintenance, roofers will follow a similar process that includes:

  • Interior inspection: The inside of your home, in particular your attic, is often checked first for signs of leaks, mold, or any other water damage. The roofer might also check for adequate insulation, which prevents heat loss.
  • Exterior inspection: The inspector then climbs on the roof to get a closer look at problems like damaged or missing shingles and damaged flashing or cracked caulking, or any other issue that might invite water intrusion or cause serious problems later on.
  • Estimate: After the inspection is complete, the roofer provides homeowners with a report that indicates where damage is present and an estimate of costs, including materials and labor, to repair or replace the roof. If the inspection is part of a real estate transaction, both buyers and sellers receive a copy of the report.

How long does it take to inspect a roof?

The average roof inspection will take anywhere from 30 minutes to an hour or longer. Inspection times could vary depending on the size of the roof and how steep it is, as well as how much damage and what types of damage are present.

How do you pass a roof inspection?

In general, a roof inspection for maintenance isn’t a pass/fail process and technically neither is a roof inspection when buying a house. But when you are buying or selling a house, the must be in as good of shape or better than the home. Problems are likely to appear on home inspection reports either way, and these problems often enter into the negotiation. If you’re the seller, you shouldn’t panic when problems are presented. Instead, you need to find out exactly how severe the problem is. It could range from simple issues like cracked or missing shingles to something much more complex like a rotting deck.

Make sure to get a second opinion from a professional roofer in this case. Once this inspection is performed you can opt to get the repairs done yourself or work the repairs into a lower price on the home. If you ignore the repairs, you still have to reveal the issues to any potential buyers.

As a buyer, you shouldn’t be disheartened with issues appearing on a home inspection report. Evaluate the report and see if the repairs are something you are OK handling yourself once you’ve purchased the home and work it into the negotiations over the selling price unless the seller is willing to make the repairs. With any possible major roofing problems, have a professional roofer take a look. This will give you a better idea of the roof’s condition and may give you a better idea of the home’s overall condition.

Do home inspectors get on roof?

When buying or selling a home, it’s important to include a roof inspection with the home inspection. Some home inspectors will include this as part of their service. Usually, this will involve checking for damaged or missing shingles and making certain your gutters and flashing are in good order. If you have a chimney and fireplace, they will check to see if both are safe. If the home inspector is unable to check the roof or if you want a second opinion about their findings, you should consider hiring a professional roofer to inspect the roof.

Do I have to fix everything on a home inspection?

If you’re selling your home, you have no legal obligation to make any repairs that come up on the home inspection. Depending on the scale of the repairs requested, you might fix them yourself or you might enter the repairs as part of the negotiation on the home’s price. Of course, there are some repairs you might want to make, especially safety issues like bad wiring that’s creating a fire hazard or mold and mildew clean-up because it is a health hazard. These types of issues could prevent you from ever selling the home. You’ll also have to report any issues to prospective buyers.

Roof inspection for insurance

If your roof’s been damaged in a storm or other event, before you file a claim on insurance, you should have a professional roofer inspect the roof. You can avoid several pitfalls when you do this including ensuring all repair issues are caught by repair experts. Adjusters don’t always catch everything and an inspection report will help verify and document your claim. A roofer also might determine the damage isn’t severe enough to warrant you filing a claim because it won’t exceed your deductible. Filing claims too often can cause you to lose coverage.

A Roofer Inspects Tiles

Who can do a roof inspection?

Whether it’s for maintenance or repairs, when you need an expert roof inspection in Justin & Fort Worth, TX, rely on the trusted local professionals at J Riley Roofing. We offer a complete range of residential roofing solutions. Book a service today by calling (940) 441-4544.

Can you repair your own roof?

When should you repair a roof?

You about getting roof repair due to hail or wind damage recently, but what other those times? Do you know when to repair roof if there hasn’t been a natural disaster creating the need? Yes, we’re talking about when your current roof is starting to show it age in a few places, but the budget isn’t ready for a new roof. With or without insurance claim, a roof repair for leaks is still important to maintain a healthy roof and home. 

There are a few aspects and facts to consider before determining if roof repair is sufficient or if a new roof is a must.  Answering these questions will help you make the right decision: 

How old is the current roof?

For roof repair with asphalt shingled roof, the age of the roof is important. For a roof with the basic 3-tab shingles, their life expectancy is maximum at 20 years. A high quality 3-tab will have a maximum 40 year life expectancy. Indication the shingles are at their end of life are: 

  • Blistering, buckling, and curling
  • Bald shingles, gutters filled with granules
  • Missing shingles
  • Sagging roof
  • Roof covered in Moss

Many roofing companies will provide a free roof repair estimate with an inspection, and those that do charge will deduct the cost of that service from your bill if you go with them for the roof repair or replacement. So, get three or more quotes and compare them carefully. There are roofing companies that will tell you roof replacement is the only way to go when a roof repair would suffice. 

Is this your forever home? 

If you’re planning to sell and move within a few years, then roof repair will be fine. If this is going to be your home for many years, you’re going to raise your children here, then a roof replacement is the better option. Especially if it is 15 years old or older and you’ve already had a few roof repairs already, a new roof is probably overdue. 

If the roofing inspection shows your roof is in good condition, then ask about a maintenance plan. This should include annual or bi-annual inspections, and gutter cleaning. Roof maintenance is key to a long healthy roof no matter the quality of shingles. 

If you do think you’ll be selling the home within the next 10 years, a new roof could make it easier to sell. Why? Well, first thing is the curb appeal a new roof adds and second, any home buyer is happy to know they won’t have to be replacing that roof any time soon. The big reason a new roof is good if planning to sell is you have a better chance of getting your asking price.

What can your budget handle? 

A new roof isn’t cheap, and it is understandable if your budget can’t handle that expense right now. If the roof inspector tells you a roof replacement is needed and you can’t afford it, ask them what roof repairs can they do that will keep your home safe for a little longer. 

Is it better to repair or replace a roof?

If your roof has issues, roof repair is the cost-effective way to handle them. A roof repair will extend your roof’s lifespan another 3 to 5 years, giving you time to save up money for a roof replacement.  The following issues are roof repair worthy: 

  • Leaks around the chimney, pipes, vents 
  • A few missing shingles
  • Nail mistakes, popped out
  • Fascia needs repair or replacement 
  • Holes or punctures in the shingles 
  • Blistering or cracking shingles 
  • Slight tree damage
  • Slight weather damage
  • Slight loss of granules 
  • Shingles splitting 
  • Shingles shrinking
  • Lack of maintenance 
  • Inadequate ventilation

What benefits will a roof repair give you?

  • Roof repairs are cheaper: A roof repair will be a lot less money as long as the basics of the roof structure are still good. 
  • Roof repair will extend your roof’s lifespan: If the roofing contractor tells you that a few roof repair issues will give extend your roof reliability, then save the difference and go with roof repair. 

What are the disadvantages of having roof repairs done? 

  • Shingle color matching: No matter what quality of shingles you have your roof, over time, they all will lighten after years of UV ray exposure. So, roof repair that includes replacing one or two shingles won’t be an exact match. 
  • Poor workmanship: If the roof repair is done haphazardly, then a roof repair could cause more problems than it solves. 

How long does a 30 year roof really last?

Yes, that “30 year shingle” is a confusing claim by roofing manufacturers. Perhaps if you have your roofed house sheltered, those shingles will last 30 years. However, that isn’t the purpose of roofing your house, is it?  

A 30-year shingle that has been maintained, cleaning and gutter cleaning, will last up to 25 years.  The weather and UV rays will impact that lifespan. A roof that isn’t maintained and kept up will last up to 15 years. 

So what is that 30 year guarantee all about? That is how long the manufacturer warranties the shingles. If your roof has shingle problem by year 10, year 18, year 26,they’ll replace it for free, if you have taken care of the roof.

Can you put new roofing shingles over old ones?

Yes and no.  Yes, you can have new roof shingles installed over the old ones, if the following stipulations are met: 

  • New shingles are the same type as the old shingles
  • There isn’t an older layer under the top shingles
  • The structure can handle the weight of two roofs
  • The roof structure is sound
new shingles

How long does a reroof last?

If you’re placing new shingles over old shingles, you can expect 15 years maximum. While it is acceptable, reroof over existing does take away an element of longevity that a completely new roof would allow.

As you start getting quotes on a roof repair or new roof, make sure each contractor will pull the permit to with the local governing office as required. If they want a roof repair without a permit, there probably is a reason and you don’t want that contractor handling one of the biggest expenses for a homeowner. Call (940) 441-4544 today.

When is the Best Time to File a Roof Insurance Claim?

claim file

Why file a roof insurance claim? 

Have you noticed a possible small leak in your ceiling recently? If you have homeowner’s insurance, you may want to consider filing a roof insurance claim.

Well, this is what you pay premiums for every month – to help you pay for your home’s protection, including the roof. If there has been hailstorms and high winds in your area recently, look around the neighborhood. If you see some of your neighbors getting new roofs, you probably should have your roof inspected for possible damage. There are two ways to go about getting a roof inspection: 

  1. Call your insurance company and file a roof insurance claim. They will send an adjuster to inspect the roof and access any damage. You’ll then get a letter advising you if your claim has been approved and for how much, or if it is denied. 
  2. Call a local roofing contractor for an inspection, many roofing contractors offer free inspection. Or if they do charge, it is usually a minimal amount and that will be deducted from the cost of the job if you choose to work with them. Let them know upfront you’re needing the inspection to file a roof insurance claim. 

What is a roof insurance claim?

A roof insurance claim is when you file for reimbursement using your homeowner’s insurance policy for repairs or replacement of your roof. Each homeowner’s insurance policy will have different considerations and factor as to what they will pay. 

Can I claim for a leaking roof?

Depending on your homeowner’s coverage and the roof damage, not filing a roof insurance claim may be the better option. Review your insurance policy, call your insurance agent if you don’t understand the language within your policy regarding roof damage coverage. 

You’re probably thinking to yourself, “Why wouldn’t my homeowner’s insurance pay for a roof insurance claim?”. Two big reasons that insurance companies like to use: 

  1. Homeowner Neglect – if the insurance adjuster determines that the leak is due to homeowner neglect, then your claim will be denied. This can range from not cleaning the gutters or the roof to not repairing roof damage or replacing damaged or missing shingles. 
  2. Does the roof damage fall under “exclusions” on your homeowner’s policy? This is an are of a homeowner’s insurance policy that many homeowner’s get caught because they didn’t read the exclusions. One typical exclusion is flood – to have your homeowner’s insurance cover damage due to flooding, you have to take an additional policy for flood damage. 

For yourself, you need to determine if the cost of the repair is worth the deductible you’ll need to pay. The common deductible can be between $500 and $5,000. So, if the repair cost is only $200, why pay that $500+ deductible? Your roof insurance claim should include repairing the roof as well as the drywall, flooring, and furniture as well as personal effects that were damaged.

Is it worth claiming on house insurance?

Sometimes, what is more important is whether you should file a roof insurance claim to collect the payment or pay for the repairs out of pocket. This is something a first time homeowner won’t know and may not know how to file a roof insurance claim to make it affective and worthy of the insurance company consideration.

Most homeowner insurance experts recommend foregoing filing a roof insurance claim for damage that is under $5,000, which is the average “higher” deductible for lower insurance rates. 

What insurance companies look at with their clients is the number of and type of claims that have been filed in the past, with them or any other insurance company. Were the claims weather related or non-weather related? One claim in each category within a 10 year span is acceptable. 

Anything more than that, they will review if cancellation is within realm for the good of the insurance company.  Remember, they are a company and they thrive on profits like any business. Too many claims, you’re costing them money. 

Should I file a claim for a new roof?

As we mentioned earlier, the purpose of having homeowner’s insurance is to cover the cost of repairs and replacements. An example would be if your roof was substantially damage during a hailstorm or from high winds, you definitely should file a roof insurance claim. 

However, if the insurance adjuster and a roofing contractor find the roof had minimal damage for under $5,000, consider making the repairs yourself. An insurance agent that is considerate of his clients will advise of this option so as not to have a claim in their file. 

What is the roof insurance claims process?

When your home has been subjected to hail, storm, or wind damage, it is your right to file a roof insurance claim for repairs or replacement. You need to do that quickly and thoroughly so that you can get the work done and get life back to normal. Filing a roof insurance claim can be complicated, but the following steps can ease that complication for you: 

1. Assess the roof damage.

The first step is to have the roof damage assessed either by you or a professional roofing contractor. If you aren’t sure what to consider damage, or you’re not able to get on the roof, it is worth having the professional do this. 

2. Verify your insurance coverage.

Review your homeowner’s insurance policy and clarify the coverage for a roof insurance claim. Relevant details to confirm would be the type of roof damage is covered. 

3. Document the roof damage.

As you or a professional roofing contractor assess the damage, document everything you find. Make notes, take pictures, take a video if possible. Your insurance company will require to complete forms in detail, make sure you have those details. Remember, the insurance mantra is “proof, proof, proof”. 

4. Contact your insurer.

Now you’re ready to contact your insurance company and advise them you need file a roof insurance claim. There may be stipulations to how long after the damage happens how long have to file. This is information you should know already, so take the time to review your policy now. 

5. Meet with the insurance adjuster.

At some point after you’ve contacted your insurance company, they have assigned your roof insurance claim to an adjuster. That person will contact you and request to inspect your roof to assess the damage. Ask the roofing contractor you’ve hired to meet with the adjuster while the adjuster is there and inspect the roof together. 

6. Deposit the check and get that roof fixed or replaced! 

How do I get my insurance to pay for a new roof?

In the  real estate industry, the mantra is “location, location, location” and in in the insurance industry, the mantra is “proof, proof, proof”. A damaged roof insurance claim, the burden of proof is on you, the homeowner. This means you, or the roofing contractor you hire should take plenty of pictures, videos if possible, and notes, lots of notes. 

damaged roof

How does an insurance claim work on a roof?

Here is where you will learn one of the insurance abbreviations: ACV – Actual Cash Value. This is when the adjuster takes the roof age and deducts the cost of a new roof of similar roofing material. This is the number they will make the check, minus that $500 or $5,000 deductible. It is here where taking the larger deductible could sting.

Call (940) 441-4544 today for help with your roof insurance claim!

What is Considered a Roofing Emergency?

chalk circled damage on a roof

When damage strikes

There are several types of emergency roof repair and knowing how to handle the situation is vital to keep your home and property safe. There are times that you have emergency roof repair needs, but nobody else around you does. Then there are times that everyone in your neighborhood has emergency roof repair needs. 

What is emergency roof repair? Everyone has a different definition for the word emergency, so precisely what constitutes an emergency roof repair that should have immediate attention by professional? A professional roofing contractor is like a professional plumber. 

When you call for rapid response, you’re going to pay extra, so for your pocketbook, you want to make sure it is truly an emergency and ask yourself, “Is a leaking roof an emergency?”. Making sure what you’re about to spend on emergency roof repair cost is worthwhile.  Some examples of an emergency roof repair would be:

  • Missing shingles may be, based on how many are missing and what part of the roof are they were covering. 
  • If your roof is leaking a large amount on a steady basis, this is an issue that needs immediate attention. 
  • A rotted roof deck can pose a structural hazard and should be addressed immediately. 
  • A tree has fallen on the roof, and rain is pouring in. 
  • If most of the roof is inside your house or missing, this is an emergency. 

How long can you leave a leaking roof?

The smallest leak can become a huge problem faster than you may realize, creating an emergency roof repair. Unfortunately, there isn’t an exact timeline for this question. So, let’s go to the next issue, “How long before more damage happens?” and that is another question there is no timeline. 

However, we can tell you that it depends on the roof, the size of the damage, the roofing material, the attic space, and if there are any drainage measures in place before the leak. Other factors that should be considered before answering that the second question is the type of building materials that were used to build your home and what the weather is like where you live. 

The best way to look at this matter is if you have any size or type of roof damage, believe it is causing more damage as we speak, and if you don’t have it taken care of soon, you may be dealing with an emergency roof repair soon. Being a risk-taker with your roof isn’t recommended. Why? There are three main reasons that you should take care of any roof leak before it needs an emergency roof repair. 

  • The first reason:  Water leaking inside will stain the ceiling and walls after it stains the roof and ruins the decking and rafters. 
  • The second reason you don’t want to let a leaking roof become an emergency roof repair is because of the mold that will start growing. There is a host of health issues caused by mold, and it can structurally damage your home, making it hazardous. 
  • The third reason not to let a roof leak unaddressed is that water can get into the electrical system and damage the breakers, appliances, and electronics.

The more damage that happens will only make it worse. Waiting too long can create an emergency roof repair that will cost you more in the long run. Remember, your home is your most valuable investment, and the roof protects that investment. 

damaged shingles

How do I temporarily fix my roof?

Plastic tarps should be an emergency staple for every homeowner, just for an emergency roof repair.  If your roof has a leak that needs temporary repair, follows these steps: 

  1. Fastening a tarp over the leaking area is the cheapest and fastest temporary repair. Stretch the tarp over the area and pull tight and smooth, then nail along the edges and cover the nails with roofing cement.
  2. If the asphalt shingles are found, you can reapply them for a temporary emergency roof repair. Straighten them out, slide under the shingle above, attach with roofing cement, then galvanized roofing nails. 
  3. If you don’t have any shingles or a tarp, you can cover the damage with metal.

How do you repair a damaged roof? 

Make sure the roof is safe. When you don’t have the proper tools, experience, equipment, and tools, it can be dangerous.  The first thing after making sure it is safe, and you’re prepared is to clean off any debris. 

  • Replace any rotten wood on the decking rafters. 
  • Apply roofing felt.
  • Apply the shingles in a brick pattern to give them extra strength, starting at the bottom edge and working up, six inches at a time.

Does homeowners insurance cover a leaking roof?

This is one of the most common questions and for a good reason. Roofing is not inexpensive! Whether your homeowner’s insurance pays for repairs or replacement will be determined by what is stipulated in your policy. 

If you file a claim, you’ll need to have proof as to why emergency roof repair was necessary. It is recommended to take pictures from all angles, inside and outside, for evidence. A video would be good to have, if possible, along with any notations you have about the roof and any contents inside. Call (940) 441-4544 today for roofing assistance!

Where Do You Put Gutters on a House?

gutter installation

Where Do You Put Gutters on a House?

When it comes to gutter installation and repairs, it is important for you to have some idea of what gutters do and how they would be beneficial for you. If you are wondering where you should put gutters on a house, the answer is actually quite simple. Rain gutters should be attached to the home right before the home is completed. When gutters are added afterward, there is an excellent opportunity to remove any extra moisture that is collecting around the foundation after rainfall. Rain gutters should be positioned to extend beyond the eaves of a roof to collect rain and hail runoff. Gutters are placed on all sides of a home along the roof edge.

Should I Put Gutters Around the Whole House?

It’s important to consider the slope of your roof. Unless your roof slopes in all directions, you probably won’t need gutters installed around the perimeter of your home. You will need gutters installed at the bottom of any slope. The roof is already organized to direct water down the slopes which where the gutters come into play. A good project manager will be able to discuss your gutter options. It is important for gutters to fit into your household budget and accomplish the task they were designed to do.

Why Don’t Texas Homes Have Gutters?

If you have noticed that many homes in Texas don’t have gutters, the problems could be an oversight of the builder or a lack of need for gutters on that portion of the home. Regardless, it is important to consider the soil composition. In North Texas, in particular, the soil is very dense with clay. That means that the ground is sensitive to an excess of rainwater without any sort of mitigation. Without gutters, water has the opportunity to pool in areas near the home. This will understandably cause damage to a home’s foundation, which is a serious business, and must be corrected immediately. 

Is It OK to Not Have Gutters?

It’s important to consider the benefits and possible disadvantages of having gutters. Making a well-thought-out decision in terms of architectural elements for your home is important. If, for instance, the rain flows off of your roof because you have no gutters, and water is pooling around your home, gutters are a good choice. Water has a nasty habit of causing quite a bit of erosion around a home’s foundation. Each time it rains, more and more of the soil around the home will wash away. If you have a carefully sloped landscape, over time, the ground will erode.

What Type of Rain Gutters are Best?

Are you wondering what type of rain gutters are best? If so, please review the following list to find out more.

  • Vinyl gutters. Vinyl gutters have the distinction of being a homeowner’s favorite. This is because they are easy to install, and they never rust or corrode.
  • Copper or steel gutters. Though copper and steel gutters are more expensive, they are more sturdy than aluminum.
  • Aluminum gutters. Aluminum gutters are entirely cost-effective in terms of gutter installation solutions.
  • Wood gutters. If you are looking for a very anachronistic gutter solution, it’s important to at least research wood gutters. Though wood gutters have been largely if not entirely been replaced by modern gutter solutions, they can be made of cedar, redwood, and fir.

Is Gutter Installation Difficult

In truth, gutter installation is actually quite complicated. That means that proper gutter installation is best left to the professionals. A professional roofing company with have not only the experience to back up their gutter installations, they will also have the proper insurance to assist them should anything go awry.

Who Does Gutter Installation

Are you wondering who performs gutter installations? In truth, there are many roofing companies that advertise this exact service on their website. When ti comes to your home, it is important to always do a little bit of research on the roofing company that you eventually select. A good roofing company will have excellent credentials and lots of experience.

Who Does Gutter Installation Near Me

Are you wondering which gutter installation providers are near you? If so, there is an excellent way to find out. On your smartphone or computer, simply type in the search term “gutter installation near me.” Once you have clicked the search term, you can next review all the companies that pop up on your screen. 

gutter installation

What is Gutter Installation

Gutter installation is the process known as installing gutters alongside the eaves of a home. Gutters are designed to funnel water away from vulnerable foundation elements. To see if you should invest in gutters, consult with a reputable and respected roofing company in your area.

If you require gutter installation in Justin & Fort Worth, TX, you can be certain that a good roofing company will be of immense help. We are available at (940) 441-4544.

How a roof is installed?

Shingle installation service

Installation of your new roof

The roof of your home is essential to its structure being sound and to protect your family and belongings. So, when a storm damages or destroys it, repairing or replacing becomes urgent before anything else happens. Fortunately, roof installation can be quickly by experienced roofing contractors today.  Once you have made your choices of the roofing material and signed the paperwork, they can get you’re a damaged roof to installation to a new roof in one day for the average size home.

Professional roofing contractors can get a new roof on a home in such a quick time because they have all the roof installation materials they need, including equipment, supplies, and tools. They also have the experience, like anyone with a specialty or training, they can almost do a roofing installation with their eyes closed.

How do I know when my roof needs to be replaced?

If you aren’t sure you would know when you need a new roof installation, we have six things for you to look for, other than the obvious hole in the roof:

  1. The current roof is old. An asphalt shingled roof has the average lifespan of fifteen years, maybe 20 at the most. A metal roof or tile roof last much longer, even 100 years. So, if you know your roof’s age, and you know that there has been repairs since the last roof installation, then it is time to get a new roof. 
  2. Shingles are curled or missing. It exposes a roof to elements all day, every day. Every time there is a high wind, a rainstorm, ice, snow, and even the sun will take a toll on a roof installation job. Mother Nature is rough on roofing and you’ll notice after a storm and you’ve walked around your house. Besides seeing some shingles curled or missing, you’ll notice some broke or you’ll find debris from the roof – the granules – filling your gutter system.
  3. Flashing is broken or damaged. In a roof installation, they install flashing at the joints of a roof as an additional measure of keeping water out. Most roofs have metal flashing, some are cement or tar. Once it is damaged, loosened, or missing, it is no longer protecting your roof.
  4. Ice dams. They look pretty, like magical icicles hanging from the roof edge. The reality of these, they are a sign your roof has ice dams along and that means your roof doesn’t have any or enough ventilation with the roof installation was done. This situation is when the attic allows heat to escape to the roof and melts the ice.  The water from that ice melts and runs down the roof, then forms ice at the eaves where there isn’t any heat. That water will begin to soak into the roofing materials, the decking, and before you’re ready, you need a new roof installation. 
  5. Water stains on ceilings and walls. If there are mysterious water stains on the ceilings and walls inside your home, or the exterior, maybe you’ve heard some water dripping in places around your home where there isn’t any water? You could have a roof leak. If the insulation in the attic is soggy, you definitely have a leak. Time to call a professional roofing contractor for roof repair or new roof installation.
  6. Uninvited guests in your attic like birds, racoons, squirrels, even bats. If any of these have taken up residence in the attic, you probably have an opening in the roof that you may not be aware of.  A new roof installation job will close up that door.

What are the steps to roofing a house?

 These seven steps are a typicalroof installation procedure. Depending on the house and the roofing material chosen, it could vary based on the roofing contractor’s judgment, as they have their own roof installation checklist they follow, but the basics are:

  1. Get Building Codes and Pull Permits.
  2. Choose the Roofing Material: Decking, Shingles, Etc.
  3. Remove Old Shingles.
  4. Install Metal Drip Molding and Metal Flash Roof Valleys.
  5. Mark Nail Spacing with Chalk.
  6. Install Shingles.
  7. Cover Exposed Nails with Roof Adhesive.
  8. Let Adhesive Dry.
shingle roof on a home

 How long does a 30 year roof really last?

Not to say roofing contractors are all lying, but when they are providing you a roof installation estimate, they are not telling the entire story about the 30 year shingles.  They will not last 30 years. You might push your luck and wait 30 years to a new roof installation, but they will not last in a healthy state of being.

Roofing shingles that are quoted at 30 years, with regular cleaning, gutter cleaning, and homeowner upkeep, you will get 25 years tops.  Without proper care and maintenance, 15 years is the average.

What color roof is best? 

The roof is twenty to forty percent of your home’s curb appeal, so choosing the right color of shingles for your roof installation is important. Just as with the interior, you can choose random colors for different things, but when it’s all put together, you want it to all flow and match or contrast to perfection.

  • A house with red siding, consider these shingle color choices for the next roof installation in a dark brown, dark gray, dark green or black.
  • For white siding, any color will match but the most popular choices are black, blue, brown, gray, green, red.
  • A house in gray siding, dark blue, dark gray, dark green, black, or white shingles will bring the color out, and with siding in a beige tone, dark blue or dark green, a black or brown shingle make perfect matches. 

When it comes to roof installation for your home, keep this in mind: It is your home, your decision. In addition to colors to choose from that are bold and unexpected, choose a roofing material that is different from your current roof.

  • Asphalt Shingles
  • Metal Roofing
  • Slate Roofing
  • Tiled Roofing

Or stay conservative and choose something that is close to what you have.  If you’re planning on selling the house in the near future, keep that in mind when choosing and perhaps staying conservative would be the better solution. For your new roof installation in Justin & Fort Worth, TX, dial (940) 441-4544 today.

What should I look for in roof shingles?

shingle roofing with a skylight

Are there different grades of asphalt shingles?

From ceramic tiles to metal, there are many roof materials on the market today. A homeowner could get confused in choosing the one that is right for their home, and their budget. No matter what new roofing material that hits the market today, asphalt shingles are still the main go-to.

Asphalt shingles are made of are not 100% asphalt. More accurately, asphalt shingles use a base of either a felt paper or fiberglass base coat and have a waterproof layer of asphalt, finished with a topping of ceramic granules. Asphalt shingles hit the house construction scene in the 1980s, and gained immense popularity quickly, and are still popular today. 

Asphalt shingles come in three grades, typically referred to by contractors and roofing manufacturers as to good, better, and best. Asphalt shingles’ benefits vary between each grade, with each grade having better and more benefits. All three grades have one thing in common: they are versatile. Where other roofing materials can be complicated, asphalt shingles are different, and the more you know about them, the easier they are to understand and choose the right one for your home. 

Asphalt shingles have a tiered system starting with lower-priced, mid-range, and high-end. The cost increases as you move up the tier, as does the durability and warranty. Let’s look a bit at the different tiers and their benefits (or lack of benefits): 

  • The lower tier is also referred to as 3-tab asphalt shingles, the simplest of all asphalt shingles and is the lower-priced grade. These have been standard go-to asphalt shingles since the 1980s. They are very flat, not as thick as the others and come with the shortest warranty period, and they are the least expensive of the asphalt shingles.
  • The better asphalt shingles are the mid-range priced and the best category asphalt shingle is the high-end priced. We know these two as architectural shingles or dimensional shingles. Both are thicker and heavier, with the luxury/premium products being as thick as three layers of standard asphalt shingles.
  • These two categories of shingle are available in more shapes and with the thicker layers, their texture is more visual, comes with a longer warranty.

How long do asphalt shingles last?

There are several influences that can affect the lifespan of asphalt shingles, starting with which asphalt shingles you choose. Other influences are the climate, weather, and how the homeowner is with maintenance and upkeep. Some reports put a 20-year life on them, and others give them 30 years. The average runs between 15 years and 25 years, but let us look at the lifespan for the different grades:

  • The 3-tab asphalt shingles, basic and least expensive grade, used on the slopped roof have a typical lifespan between 10 years to 20 years. For roofs in storm-prone areas, this shingle is not recommended. They can take winds up to 70 mph and when exposed to a lot of direct sun or quick weather changes, they tend to break and crack.
  • Architectural Asphalt Shingles or Dimensional Asphalt Shingles are thicker, making them more durable and have a longer lifespan between 15 years to 25 years, depending on the climate, environment and homeowner’s care and maintenance of the roof. They typically have a wind resistance up to 110 MPH, but with a special installation and roof bracing, they can withstand winds of 130 MPH.
  • Premium Asphalt Shingles are the top-of-the-line, fancier asphalt shingles found on high-end premium homes. These are thicker asphalt shingles and has a lifespan up to 30 years, depending on the factors of climate, environment, and homeowner’s care and maintenance. They typically handle the same wind speed of the architectural and dimensional asphalt shingles. We can upgrade these to have a cool roof rating, more impact resistance, and UV ray resistance.

Will black shingles make the house hotter?

The controversy of light color vs dark color asphalt shingles is one that may never be 100% settled. It can depend on where you live whether the light color would be better for you home or if the dark colors make more sense. The answer would be no. Your house will not be hotter in the summer with dark asphalt shingles. Allow us to explain this answer:

The temperature in an attic will differentiate as much as 10 degrees between black asphalt shingles and white asphalt shingles. When you compare browns, greys, and tans, your attic may have up to a 3-degree difference than the black asphalt shingles. These are attic temperatures, not the interior of your home.

While the color of the asphalt shingles may influence the attic temperature, what really affects the temperature in your home is will be the grade of asphalt shingles you choose, the amount and quality of attic insulation, and the ventilation in your attic.

What color roof is most energy-efficient?

The light-colored asphalt shingles will absorb less heat in the summer, resulting in less strain on the air conditioner, lower energy bills. Yes, the dark color asphalt shingles will increase the temperature in homes with high ceilings and the air conditioner will work harder to keep your home cool, which will increase your energy bills.

The opposite of all this is true in the winter, with dark color asphalt shingles absorbing more heat from the UV rays, which is a plus for homes in the north where winters are long, and summers are short. How about snow though?

Does the snow melt faster on dark asphalt shingles than it does on light color asphalt roofs? Not that much. The sun does most of that work and in the further north you go, the less sunlight houses have during the winter, thus, the longer the snow stays on the roof.

grey shingle roof with windows

How do you clean asphalt shingles?

Depending on the size of your house, and we’re talking about the height and the square footage, you may be better off calling a professional roof clean expert. They have the experience and the equipment to climb the various heights, pulling that equipment up ladders and walking along asphalt shingles rooftops safely.

However, if you are a DIY homeowner, algae and moss can be cleaned from asphalt shingles with a mixture of household bleach and water of 50/50. Apply the mixture with a sprayer and let it sit at least 15 minutes, 20 minutes if the algae and moss are thick. Then simply rinse with clear water with low-pressure water hose.

Asphalt shingles on flat roof structure should be replaced with rolled asphalt roofing due to possible water intrusion. Hire a contractor that has experience in flat roofs to install rolled asphalt roofing and rolled asphalt roofing on a warm day. The warmer the temperature, the easier it is to install.

No matter which grade of asphalt shingles you choose for your home, the quality of the shingles will only be as good as the installation by the contractor. Get several written quotes and compare the details of each quote with the type of asphalt shingles, the price, the warranty offered by the manufacturer and by the contractor. Make sure they are certified, insured, and licensed and check their most recent reference. Call (940) 441-4544 today for the asphalt shingles you need for your home in Justin & Fort Worth, TX.

What Does Roof Damage From Hail Look Like?

Hail damage roof

What Does Roof Damage from Hail Look Like?

Hail damage roof repair can greatly help your home in the wake of a hail storm. The three major signs of hail damage are bruising, cracking, and missing granules. A qualified roofing contractor has the skills and ability to ascend your roof and determine what kind of storm damage has occurred. In order to make sure that your roof can withstand future hail storms, it will be important to address all signs and symptoms of disrepair. With the help of an insured roofing contractor, your roof can receive the treatment it needs to regain roofing integrity.

How Much Does Insurance Pay for Hail Damage On Roof?

If a qualified roofing contractor has assessed the condition of your roof and given you an estimate for the damage, your next step is to contact the insurance company. It is not uncommon for insurance companies to counter a roofing company estimate with a much lower offer. It is important to get a public adjuster if this occurs. For example, if a roofing company has an estimate for $30,000 worth of repairs, it’s common for an insurance provider to counter with offering $10,000. A public adjuster can provide an independent opinion, and also advocate on your behalf to the insurance company.

What Size Hail Will Damage a Roof?

While it is known that hail can damage a roof, it’s important to understand the different kinds of hail that can be present during a hail storm. Please review the following list of hail sizes to learn more.

  • Pea-sized hail. This hail is ¼  inch in diameter.
  • Mothball-sized hail. This hail is ½ inch in diameter.
  • Penny-sized hail. This hail is ¾ inch in diameter.
  • Nickel-sized hail. This hail is ⅞ inch in diameter.
  • Quarter-sized hail. This hail is one inch in diameter. This size hail is considered severe and can cause large amounts of damage. 

What Do You Do If You Have Hail Damage On Your Roof?

If you believe that you do have hail damage on your roof, it is important for you to first locate an insured, professional roofing company. These experts will be able to accurately diagnose whether or not the damage on your roof is due to hail or due to wear and tear. It is also important to note that a qualified and insured roofer will be able to discuss whether you have enough damage to merit an insurance claim. In all interactions, it is important to request evidence of storm damage and request a course of action moving forward.

Should I Replace My Roof After Hail?

If there are roof leaks as a result of hail damage, the answer is yes. That is because roof leaks are very detrimental to roofs. Leaks create an enormous amount of water damage and must be addressed as soon as possible. One of the only times that a roof repair is classified as an emergency is when roof leaks are involved. If there isn’t a roof leak, then the roof repair is not categorized as an emergency. 

Will Hail Damage a Metal Roof

Hail can break, split, and cause tear-off damage to many different kinds of roofing materials. This results in many kinds of repair or replacement costs. Unlike asphalt shingles, metal roofs are quite durable. Metal roofs are highly resistant to hail, wind, and rain damage. Like clay and concrete tile roofs, metal roofs have a long roof life, only needing to be replaced once a lifetime.

Can Hail Damage a New Roof

When a hail storm rolls through the neighborhood, the hail can damage your home’s exterior. This includes your siding and the roof. Hail can also damage your personal property, including your gutters, your patio furniture, and more.

Can Hail Damage Roof Tiles

As mentioned previously, roof tiles are very strong, and resistant to impact, even from large hailstones. While it is unlikely, studies conducted by the roofing industry have shown that some roof tiles can be damaged by hailstones. To be specific, roof tiles can be damaged by hailstones as small at one and a quarter-inch in diameter. 

hail damage roof

Hail Damage to Roof Decking

If your roof has been damaged as a result of hailstones, there may be damage to your roof decking. The best way to make sure that your roof decking is intact is to contact a local, reputable roofing company. Your home’s integrity is important. That’s why it’s important to always select a roofing company that has your best interests at heart. If you believe that you have significant hail damage, please be sure to call for a roof inspection sooner rather than later.

Would you like to schedule an appointment for your hail damage? Our friendly operators at J Riley Roofing are available now at (940) 441-4544. Discover more about what we can do for your hail damage roof in Justin & Fort Worth, TX today!