A minimum schedule for preventive roof inspections refers to the frequency at which you should have your roof inspected to ensure its health and longevity. While there is no one-size-fits-all answer, establishing a minimum schedule is crucial for staying proactive and preventing major issues.
There are two types of deductibles you might encounter when filing a roof claim if you live in a coastal area or a state prone to severe weather: hurricane deductibles and windstorm deductibles.
You can appeal your insurance company’s decision if it denies you or offers less than you think you deserve. If your claim is denied, the insurer will send you a letter explaining why they denied it.
The fall is usually the best season for a roof inspection so that you can ensure your roofing system is in good condition before ice and snow arrive. Here are additional factors to consider when planning for your annual inspection:
It’s important to have your roof inspected regularly to ensure that it’s in good condition. Depending on your roof type, the frequency of inspections will vary. Here are some general guidelines to follow:
Not only will your home insurance premiums likely increase but you will lose any claims-free discounts. Companies often offer home insurance discounts for homeowners who haven’t filed claims for a period.
A roof inspector will be looking for leaks, unusual wear and tear, damage caused by windblown debris, organic growth issues, and problems that may have occurred during shingle installation or subsequent repairs.
If you’re comfortable working on a roof, it’s not too difficult to replace shingles and caulk flashing yourself. Cost: $30 for a bundle of shingles, and $9 for roofing caulk. Allow a half-day to make a few shingle repairs.
You should check the roof at least merienda a year to ensure it did not sustain damage during the winter. Most roofing experts will recommend homeowners schedule a proper inspection in spring to confirm the roof’s condition.
Interior Inspection: Because roof leaks ultimately damage your home, the inspector will check interior ceilings, the attic, and interior walls for water stains, mold, rot, and other signs that water is making its way into your house.
Inspection type: Specialty inspections, such as those that use a drone or infrared imaging, may cost up to $600.
For example, if a homeowner has asphalt shingles Schedule Roof Inspection damaged by hail strikes, an adjuster would count how many strikes occurred in a section to determine the impact on the roof’s lifespan. If there are enough strikes, the roof’s lifespan is substantially impacted, and it needs to be replaced.
Hurricane deductibles apply only to damage from hurricanes, while windstorm—or wind/hail—deductibles apply to any type of wind damage.
In any other case, however, a comprehensive roof inspection should be completed by a roofing professional who knows what to look for.