Should I repair or replace my roof?

close-up of damaged shingles

Keeping Your Roof in Shape

If you live in Texas, then your home has been subjected to a hailstorm or two, or maybe three or four. In any case, it may be time to have a professional roof inspection and see if a new roof installation is in your future. 

When is roof replacement necessary?

Maybe your roof isn’t leaking right now, but that doesn’t mean you shouldn’t have it inspected. With a professional inspection, if a roof installation isn’t needed right now, they can let you know if you have a possible problem coming your way. Here are three ways to know when a new roof installation is needed:  

  1. A roof over 20 years old is getting close to its end-of-life for a basic three-tab asphalt shingle roof. You definitely don’t need to go past 25 years and any experienced roofing contractor will tell you that if your roof has reached 80% to 85% of that 25 year warranty without being replaced or needing repairs, you’re lucky you haven’t needed a new roof installation already in this part of the country. 
  1. When an asphalt roof is starting to have loose or missing shingles, bald spot where the asphalt has come off, or the algae, lichen, and moss won’t come off, it is time to look at a new roof installation. This may be age and it could be from improper attic ventilation. When an attic isn’t properly ventilated, the heat and moisture get trapped and that shortens the lifespan of an asphalt shingle roof. 
  1. Roofing storm damage happens everywhere, but Texas and other states in tornado alley experience more than others. Anything from hailstones to high winds, strong UV rays from the sun, and just normal aging can cause a need for a new roof installation. 

What does roof replacement include?

A roof is more than the shingles or other roofing material you see from the street. There are several components involved in roof installation: 

  • Decking: Roof decking is the solid wood board that the shingles and other roofing components are installed on. 
  • Flashing: Roof flashing is the metal strips installed in places where the shingles are up against another surface, like the chimney, skylight, walls, and in the valleys, where the roof slopes meet. 
  • Underlayment: The underlayment is a felt material installed over the decking for additional protection.
  • Drip edge: The drip edge is a metal flashing installed along the roof edges that control the water flowing away from the fascia and other components.
  • Ice and water shield: These are located in the valleys and keep water flowing down the roof when it rains. 
  • Asphalt shingles: Next, the layer you see from the street is the asphalt shingles. 
  • Ridge capping: The ridge capping is installed at the roof’s peak and is a thicker material than the shingles on the roof. They come in a pre-bent form and are installed along the area where the slopes meet. 
  • Roof vents: The roof vents provide proper attic ventilation, extending the lifespan of your roof and keeping your utilities down. 
  • Pipe boots: On top of your roof are vent pipes for the plumbing. Around these are rubber boots to keep water from running down the sides and into your home. 

How does roof replacement work with insurance?

An insurance adjuster will come to your home and inspect the roof. If you have any leaks, they will need to inspect inside the home and the attic too. Many insurance adjusters today have software to help them determine the estimate they will offer in paying for a roof installation. 

This will take the measurements of the roof in square footage, any damage to the chimney, skylight or vent pipes are included as well. Following current market trends, they will input this information into their computer system and the software will provide the total estimate. 

Depending on your policy, you will be responsible for the deductible. Some have a flat rate, some have a percentage, and then there is depreciation to factor into the estimate.  You’ll be paid the amount of the estimate, which you will pay to the roofing contractor. You’ll write them two checks, one for the deductible and one for the balance of the roof. 

If the roofer needs additional materials not included in the estimate, like decking they will submit another claim to your insurance company. They will send you the check, which you will sign over to them. Once the roof installation job is complete, the roofer will send a copy of the final invoice and you will receive a check for the depreciation amount. 

How much will roof replacement cost?

Based on the size of your roof and the roofing material you choose. For example, with asphalt shingles, a 1200 square foot home can cost between $5,000 and upward of $15,000 or more for a new roof installation. 

What is the cheapest roof to install?

Asphalt shingle roof installation is the least expensive roofing, which is why it is so common and popular. They are lightweight and come in sheets, both facts that make it the easiest roof to install, saving on labor. 

What is the best replacement roof?

Again, because they are lightweight, yet durable, and are easy to install, asphalt shingle roof installation is the most recommended and considered the best. There are three levels of asphalt shingle with architectural design being the better and most recommended of the three. 

workers replacing a roof

In Closing – Save Some Money with DIY Roof Installation

Some homeowners may want to try to save some money and do their own roof installation. Will you save that much though? Just what is the labor cost to install a shingle roof?  The average labor costs today are around $2.00 per square foot for a basic asphalt or architectural asphalt roof installation. Approximately 1/3 of what you’ll pay for a new roof installation goes toward laborers that know how to install a roof. 

The next big question is when to install a roof. You obviously wouldn’t want to do the job in the rain or snow.  Roofing contractors prefer to work in the spring on non-rain days or early fall before the winter weather arrives. A roof installation is possible in the summer, but their hours in Texas may be shorter, taking a day or two longer because of the heat.

How much does it cost to put a new roof on a house?

roofer installing asphalt shingles

Is it time for a new roof?

The past few years have made headlines in many different ways. From tense elections to a pandemic, quarantine, shutdowns, and vaccinations. However, one thing remains universal, and that’s the unusual weather we tend to experience in this part of the country. Those horrible storms start to subside, for a while anyway, only for you to walk around outside and realize your roof is in bad shape – even worse than it was before. Now, on top of everything the world has been through, you may need a new roof installation.

What is roofing installation?

The roof installation basics include a roofing contractor removing all existing roofing materials and the underlayment. They inspect the decking and if any is damaged or rotted, that is removed, the rafters are inspected, which are removed if damaged. After that, new decking and rafters are installed as needed.

Next, all-new underlayment is placed with the roofing materials on top of that. This will include any drip edges, vent ridges, ice dams, and flashing, as quoted to the homeowner. A roof installation will also include help for any vents or protrusions in the roof with them either painted to match the new roofing or replaced if necessary. 

Do I need a new roof?

If there is water pouring into your home, it is obvious you need a new roof installation, and the sooner the better. But there are other indicators that can show a new roof installation should be considered: 

Visible Leaks

As we just mentioned, a visible leak like water pouring in through the ceiling is a huge indication you should get a new roof installation. A roof leak can be caused by many things like storm damage or simply a roof being old and worn out, among various other factors. 

You should note if the materials on your roof get to a point where they are no longer providing the protection your home should have against the elements. Even a small roof leak should be repaired as soon as it is noticed. Using a professional roofing contractor is always recommended, but some small leaks are easy enough for a homeowner to take care of on their own.

Water Damage

A roof leak isn’t always detected by visible drips coming into your home. Sometimes the leak is so small that it takes some time for any visible water damage to appear, like stains on the ceiling or walls. Once you notice these things, call a professional roofing contractor to inspect the situation. They will advise you on whether repair is possible or if a new roof installation is the better solution. 

Curling, Missing, or Mossy Shingles

Roof damage can often be determined while standing on the ground. Some common indications you may notice from the ground that show you need a new roof installation are:  

  • Cracked shingles
  • Curled shingles 
  • Loose or missing shingles 
  • Discolored shingles around vents
  • Missing shingle granules 
  • Algae or moss growth
  • Damaged shingles around chimneys or skylights

For those with shingle roofing, it’s also smart to look for the accumulation of granules in your gutters cleaning them. This is usually an indication that you should get a few quotes on roof installation. 

Sagging Roof

The shape of your roof can often be an indication that a new roof installation is needed. Curving, dipping, or sagging on the roofline could indicate there are problems with the under decking and/or rafters. 

Storm Damage

Here in Texas, it is pretty safe to say that storm damage is the number one reason roof installation jobs are done. From hailstorms and heavy rains to high winds, debris, and falling tree limbs, along with the hot UV rays of the sun, Texas rooftops take a beating. While some of the furthest northern areas of Texas are accustomed to snow, the rest of the state is only accustomed to occasional ice storms. That snowstorm in the early part of 2021 was unusual and did a number on the many homes, requiring roof installations all across The Lone Star State. 

Can you finance a new roof?

Roofing contractors do not typically offer payment plans for new roofing. This isn’t something they can come repo like a car or shut off like your power. However, some have partnered with banks for their clients to go through an approval process. If you’re eligible, the bank will pay the contractor and you will make payments to the bank. Other ways to pay for a new roof installation are: 

  1. Insurance Claim: If the roof installation is needed due to storm damage, your homeowner’s insurance will offer coverage. The amount of coverage will vary based on the age of the roof and your policy, but it is always worth filing a claim and seeing what the adjuster offers. 
  2. FHA Title I: For a roof that needs major repairs or a replacement roof installation, the FHA offers Title I home improvement loans. For a single-family home, there are loans up to $25,000 with a 20-year note. However, anything over $7,500 requires you to sign a lean against your home. 
  3. Home Equity Loan: Having equity in your home can work toward your favor in getting a roof installation paid for. Call the lender that has your mortgage, and they can tell you if there is enough collateral for you to qualify for a loan. However, this also puts your home on the line if you fail to make the payments.
  4. Personal Loan: If you have good credit history and/or some cash to make a down payment, you may be able to get a personal loan, and if you have a credit card with enough credit available, that is another option. 

How long does it take to install a new roof?

 Using an experienced contractor with an experienced crew that knows how to perform roof installation jobs, an average one-story home roof installation can be completed in under eight hours. Exceptions would be if there are any roof installation problems like a lot of decking repairs to be done or more.

worker installing a new roof

In Closing – How often do you need a new roof?

A roof installation for asphalt shingled roofs is usually needed every 15 to 20 years. The higher quality of the shingle, like the 3-tab shingle, will give you up to 25 to 30 years if the roof is maintained and Mother Nature is kind. If you’re looking for more information on whether a new roof installation is right for you, reach out to us today at (940) 441-4544.

Why is my ceiling leaking?

Water-damaged and stained white ceiling.

Dealing With Roof Leaks

It was a very cold, snow-filled, wet winter followed by torrential spring rains and now, a blistering, hot summer. Occasionally though, here in Texas, we’ll get some summer showers and storms that will cool things down for a minute, only to heat things back up an hour later. Those rains also remind us of the winter and spring damage with a leaking roof. 

Are roof leaks common? 

Well, they aren’t “uncommon”, but they aren’t necessarily an everyday thing for every homeowner. However, there is probably a leaking roof every day somewhere in The Lone Star State, or a roof waiting to start leaking. To safeguard your home, learn the common causes of leaking roofs and maybe you can catch a minor issue in time before it becomes a major problem: 

  • Age – A roof’s age is one of the biggest problems homeowners may face. Nobody wants to deal with having a new roof installed because it is so expensive. However, waiting until something happens and filing it on your homeowner’s insurance may backfire. So, bearing that in mind, is a leaking roof covered by insurance or not? Well, yes and no. You need to review your homeowner’s insurance policy and see what coverage you have and what exclusions they’ve stipulated. One thing we can tell you for sure, as a roof ages, it deteriorates. So, if your roof is over 10 years old, you’re not going to get full coverage for a roof replacement and what they’ll pay for roof leak repair will be limited. 
  • Clogged Gutters – The job of rain gutters is to channel the rainwater from the roof to the downspout, where it is lead away from your home. When a gutter run get clogged with accumulated debris like leaves, pine needles, twigs, even critter nests, the water can’t flow to the downspout. Then it backs up under the shingles, rots the decking and underlayment, and before long you have a leaking roof. 
  • Missing Shingles – If roofing shingles aren’t properly installed, strong winds can dislodge them, leaving your roof vulnerable to leaking. Once a month or so, walk around your home and if you spot any loose or missing shingles, call a professional roofer to reattach or reinstall new shingles where they’re missing. 
  • Valley Improperly Sealed – Where your roof planes meet is the roof valley and flashing is installed there to assure the water runs off the roof. Otherwise, without flashing, or if the flashing isn’t installed correctly, comes loose, it leaves the vulnerability for a leaking roof. 

Is a roof leak an emergency?

Yes! As soon as you notice a leaking roof of any size and proportion, consider it an emergency. Because even the smallest leaking roof will grow bigger and become a bigger leaking roof. Water is the enemy when it comes to your home’s structure. 

Can a roof leak cause mold?

Absolutely! Anywhere there is water left standing, mold can and will grow. Then it spreads and will eventually work its way into your air vents. Once it is there, every time the cooling or heating turns on, it is blowing mold spores throughout your home. 

What does a roof leak look like?

If you have water pouring in through the ceiling, that’s an obvious leaking roof, right? But what if it isn’t pouring in – how will you know you have a leaking roof? Here are four signs to be aware of: 

1. Water Stain

A water stain kind of looks like a large water puddle on the ceiling. Usually brown in color, or if the leaking roof is in a corner, it may be smaller and harder to notice. Use a flashlight and look through the entire house in the corners for dark spots, mold, or moisture. 

2. A Drip

If you see water dripping, moisture, or moisture stains on the walls every so often, but not all the time, you could still have a leaking roof, or an ice dam in the winter. Ice dams are caused by the ice and snow freezing and thawing then refreezing. 

3. Exterior Walls Have Spots 

Once a month or so, walk around your home outside and look under the roof line for water spots. This is where the roof and the walls aren’t meeting and there is water getting inside the walls. 

4. Growth On The Walls

If you see mold or moss on an exterior wall, especially a wall that doesn’t get a lot of sun, there could be a clogged gutter run or downspout that needs attention. When they leak, mold and moss will start growing on the exterior walls. 

How do I find a leak in my roof?

The easiest way is to go in the attic with a flashlight and look for moisture on the insulation, water stains on the under decking, the light showing through the under decking, or mold growing on the insulation and rafters.

Woman holding a bucket under a roof leak.

Closing Words – How do I stop my roof from leaking?

You can make a temporary roof leak repair by making a patch out of a roofing shingle or plywood, using roofing glue or tar. Go to the attic, and where the leaking roof is, you’ll attach the shingle or glue with the roofing glue on one side against the decking. Then nail around it, and spread the roofing glue or tar around the edges of your roofing patch. This is a temporary fix, any leaking roof should be inspected and properly repaired as soon as possible. If you need further help with a leaking roof in Justin & Fort Worth, TX, reach out to J Riley Roofing by calling at (940) 441-4544.

How do I maintain my gutters?

close up of gutter system

What happens if you don t clean your gutters?          

If your house has gutters installed already or you’ve recently had a gutter system installed, you realize the importance of them.  They catch rain coming off your roof and redirect it into the downspouts. From there, it send out and away from your home’s foundation and flower bed. But when that water is redirecting to the downspouts, you realized how important gutter system repair is too. 

As a homeowner, you should have a routine of performing basic gutter maintenance two to three times a year, more if you have a lot of trees around your home. This isn’t a job that anyone likes doing because it isn’t fun, but it is messy and time consuming.  So, there is the option of hiring a gutter maintenance company and have them come on regular schedule. 

Gutters may seem like an ordinary part of your home, but they have health concerns like anything else around or inside your home. You wouldn’t think about skipping a filter change every month because it is a health factor your HVAC system. The same is to be said about  gutter cleaning and maintenance too. 

When gutter system repairs, maintenance, and cleaning are ignored, it puts your gutter system in jeopardy, setting the system up for falling apart and causing damage. Here is a short list of what can happen when you have skipped gutter cleaning, maintenance, and gutter system repairs: 

  1. Insect Infestation 

A gutter system that doesn’t get cleaned regularly becomes damp and dense, the kind of neighborhood that insects like to live in.  You’ll start seeing a lot of ants, mosquitoes, roaches, and termites infesting your home. We know what kind of destruction and disease these insects can cause! 

  1. Wood Rot 

If your home has a wood foundation, gutter cleaning, gutter maintenance, and gutter system repairs should become a priority for your home maintenance. When gutters become clogged, the water pools inside them because it can’t flow to the downspout. Then it overflows the gutter run and pools around the foundation, seep into your house, and the foundation and structure become jeopardized, causing you more repairs. 

  1. Roof Leaking 

A leaking roof is a nuisance that can get nasty bad fast. It is also a sign that your gutters are clogged and may need gutter system repairs. The same is with ice building up putting extra weight burden on the roof, creating more woes than gutter cleaning and gutter maintenance.   

  1. Basement Leaking 

Leaving the gutter system clogged and not performing gutter system repairs and maintenance can lead to flooding basement. The water that is backing up in the gutter system will spill over the gutter runs and pool up around the foundation, seep into the basement. Basements are often where electrical breaker boxes and circuit boxes are located. With a flooded basement cause by clogged gutters, it becomes a health and safety issue.  

  1. Foundation Damage   

We’ve already mentioned how a clogged gutter system will spill over the rain, pool up around the foundation. This is a problem more frequent in the winter, which is why a gutter system repair and cleaning should be done in the early fall. The water inside a clogged gutter will build up, absorb into the structure, then when the temperature gets to freezing, the foundation cracks. This leaves it susceptible mold damage and growth and increase the insect infestation .

How often should gutters be cleaned?

The experts and professionals in this industry recommend twice a year professional gutter system repairs and cleaning. Early spring and early fall are the best times.  If you have heavy amount of trees around your home, you may consider 3 times a year unless you’re doing it yourself every 6 to 8 weeks. 

cleaning gutter systems

Can I clean my gutters myself, what is the fastest way to clean gutters?

Yes you can, but we advise before you start with the methods we’re going to share that you take time and follow these safety steps: 

  • For a high rooftop, get an extension ladder.
  • Wear goggles and thick suede gloves.
  • Do not walk on the roof unless absolute necessary. 
  • Reaching down from the roof to the gutters is setting yourself up for a fall. 

Before you begin your gutter system repair and cleaning, clear the roof of any debris, leaves, and limbs. You don’t want the gutters to fill up again as soon as your done! Now, you are ready to try one of the following methods for gutter cleaning:

Use The Leaf Blower: Not only does the leaf blower save you from hours of raking leaves, but it can also save you time cleaning the gutters. From the ladder, blow the leaves from the gutter as far as you can safely reach. Climb down the ladder, move it down the roof line and repeat the process. 

There are extension kits available today at your local home improvement store that curves and extends the reach so that you can do this gutter cleaning job from the ground. 

Use The Power Washer: After a good hard rain, your gutters may have wet leaves stuck insides that the leaf blower can’t loosen and blow out. A power washer is a better method with the force of the high-pressured water jetting out. A u-shape, telescoping wand will make the job possible from the ground. 

Use The Shop Vac: The two methods above will make a mess on the ground, and that isn’t any more fun to clean up than doing the gutter system repair and cleaning. So, using a shop vac will clean the gutters and then you empty the canister. Again, there are extension kits available so you can do this safer from the ground. 

Following the tips we’ve provided here will help you keep your gutter maintenance and repair on schedule.  But what if you don’t know how do you maintain gutters and downspouts? Here are a few steps to help you with this process: 

Step 1: Repair any small crack or holes with a gutter patch kit available at home improvement stores. Use the same kit to repair the downspouts if needed.

Step 2: Replace any gutter sections that are damaged beyond repair. 

Step 3: Check and make any needed adjustments to the pitch of the gutter runs.

Step 4: Install gutter guards or screens.

Need gutter cleaning for your home in Justin & Fort Worth, TX? J Riley Roofing is your choice for expert gutter system cleaning! Call (940) 441-4544 today!

Can I install gutters myself?

gutters along roofing system

Is it OK to not have gutters?

When your house has gutters, you don’t always appreciate them. Then you move to a house without gutters, and wow! What a difference it makes getting in and out of the house. What you don’t realize is gutters can help your home’s foundation, which is why a gutter installation is so important. 

Homeowners that don’t have gutters often wonder if they’re really necessary. Is that just an upsell by roofing contractors, or do they actually serve a useful purpose? For the most part, gutter installation isn’t required by law, some city ordinance or POA may require them. 

Before you make the decision whether you should have them, read on about how gutters work and whether you need them or not. A  gutter installation has a basic job of providing a channel that redirects water as it runs off the roof. 

By doing that, it minimizes ground erosion around your home’s foundation. This also minimizes possible foundation problems for you over time, which can get expensive. However, they are limited how much water they can hold and flow, and in a heavy rain, they may overflow some, no matter how good of gutter installation job you have done.

Are gutters difficult to install?

When you watch a contractor doing a gutter installation job, they make it look easy don’t they? Or watching those television show or YouTube videos.  Well folks, it may not be “rocket science”, but it does take skills that are obtained after doing several gutter installation jobs. There are facets that make a big difference whether or not they’re going to work right, if they fall off, or will they cause more problems. 

A gutter installation needs to have the right size of gutter runs for the house, and yes, they come in different sizes. Then there are hangers that must be installed first at the right spacing for the gutter runs to have the right pitch. Then the screws that hold all this into the fascia need to be installed correctly, firmly, and be sealed, or you may find the gutters can’t handle heavy rain. 

If you’re thinking about doing your own gutter installation, and you have a multiple level home or the roof has different pitches, you’ll need to do a lot of advance planning before you even purchase the materials. Now is the time that all that calculating your machine shop or woodshop teacher were teaching you will come in hand. In addition to knowing the square footage of your roof, the area rainfall data, and the drop and pitch of your roof, you’ll need to know these things as well: 

  • The right size of gutters, which can be different for specific sections 
  • The right number of downspouts 
  • Where to position the downspouts on the different sections to divert the water as intended 
  • Identifying what areas and where to install the rivets and screws

How should gutters be installed?

In reality, we’ll tell you a gutter installation needs to be done by a professional, but that’s not why you’re still reading this, so, we’ll offer a few tips: 

  • Fascia and Soffit: Inspect these before you start your gutter installation. Replace any that are chipped, cracked, or rotted. If any are missing, replace them and if they need painting, do that before the gutter installation. 
  • The Angle: The gutter position of a 40 foot gutter run should be high in the middle and sloped toward the downspout in each direction from the middle.
  • Measuring: Yes, grandpa knew what he was talking about when he said always measure once and cut twice. You could measure three times just to be safe.  Your gutter installation project needs to be done as close to right and perfect as possible, so you don’t have to purchase more gutter runs. 

The manufacturer of the gutter system will have instructions with the materials or you can check their website. In addition, there are hundreds of YouTube videos that will have this information too. 

gutter end cap

How far should gutter extend from house?

It isn’t the gutters that you need to be concerned with the distance because they are going to fasten to the fascia. It is the downspouts you need to be concerned with the distance.  You should have your downspouts are installed every twenty feet unless you’re in a rain area, then every 12 to 15 feet. Definitely do not need more than 35 feet distance between your downspouts though. 

What about a house that doesn’t have any fascia or roof overhangs? Can you install gutters with no overhang or is it a lost cause? No, you can still have a gutter installation done even if your house doesn’t have any fascia. An experienced contractor  will know the process, but if you’re going your own gutter installation, use roof straps fitted  into the hanger on the  gutter runs and securely attach that strap directly to the roof. Thin of these roof straps as a sling. 

How long does it take to install gutters? Well, as you can imagine, it is the size of the house that will determine the time it takes to complete a gutter installation.  An average size residence, a gutter installation can take a professional up to 4 hours, usually less.  For a home of 3,000 square foot or bigger, you can expect up to 8 hours. If you’re going to do your own gutter installation, plan to have help for a full weekend and one day at least. Call (940) 441-4544 today for your gutter installation in Justin & Fort Worth, TX.

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!