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:
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.
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.
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.
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:
- 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.
- 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.
- 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.
- 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.
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.