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New Roof? How did you decide?

Discussion in 'Homeowners Corner' started by cwalchak, Mar 31, 2017.

  1. cwalchak

    cwalchak New Member

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    I've noticed a lot of new roofs recently. It makes me worried that I need a new roof, though I don't see any problems with it. So, how do you decide if you need a new roof?
     
  2. stoner

    stoner Member

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    One thing is time in service - how old is the current one? One visual piece of evidence is the presence of bits of the coating material in your gutters/drains, which means there is deterioration of the surface. Obviously if there is tearing or curling of shingles, that is bad too.

    Get a couple or three firms to give you an assessment to help sort out the truth.
     
  3. Mike-and-Kim

    Mike-and-Kim Member

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    We saw some people getting them and asked around.

    It turns out there was a significant hail event last June so a lot of people are getting new roofs through insurance.
     
  4. jwf

    jwf Member

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    I base it on three things.

    1. Everyone seems to be getting new roofs around me.
    2. The quality of the people 18 years ago that built my house such that my original roof will not last as long as one installed by competent builders
    3. I found leaks in my garage this past Friday

    My guess is it is time for everyone that lives here to have their roofs checked now.
     
  5. flynnibus

    flynnibus Well-Known Member Forum Staff

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    The surge is based on the hailstorm from last June. It caused what seemed like no immediate damage, but it did cause enough damage to the shingling system to justify it being replaced (even under insurance standards). Plus, most of the north of the community was built roughly 20 years ago.. which means the roofs are nearing the end of their expected life.

    Combine these factors...
    - your roof is nearing it's normal end of life. So in the near to mid future you'll have to replace it
    - if your roof is too old, and you have damage requiring a insurance claim, depreciation will mean you probably won't get enough in your claim to pay for the replacement
    - you usually have a time limit on how long after an event until you make a claim
    - you may worry about a claim boosting your rates. But a roof is not optional.. if you spend 15k to replace it w/o insurance due to normal age.. 15k buys a decade or more of increased premiums... and your rates may go up anyways due to all the claims in the area. So if both outcomes are inevitable, why not take the path that saves you money?


    TL:DR - Most of the Broadlands North homes are approaching 'new roof' age anyways.. and the June Hailstorm is enabling many to leverage their homeowners insurance to pay for a replacement

    It's that intersection of age and opportunity that makes it easier to decide to take a damage claim with your homeowners.
     

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