Will Ins Cover Metal Roof Over Shingles Problems

However you ll want to check with your local building department before you make any decisions.

Will ins cover metal roof over shingles problems.

Most homeowners insurance policies won t pay to replace or. Some insurers won t even cover your home if it has an older roof. Insurers consider a roof s age and condition when providing coverage. Wood shingles and shakes.

When a major storm is coming document the roof s condition before and after. Building officials in some areas will only allow a re roof over one layer of shingles while officials in other places may allow you to place the roof over two layers of shingles. Metal roofs and composite shingles. Some people think that they can just install the metal roofing right over the old shingles roof without any barrier in between but this is highly not recommended.

Age of roof and insurance. Yearly once the roof is 5 years old. Metal roofs can be noisy especially during a heavy rain or hailstorm. Every 2 3 years after they are 10 years old.

If you have an asphalt shingle roof that is over 10 years old for example the likelihood of claim denial goes up. Both metal and shingle roofs are great options for your next roofing project. The problem with this is that as the metal heats up and expands or cools down and contracts it moves a little on the roof. With that mind many insurers view roofs as critical.

Adding more insulation during installation usually solves this problem but that may increase costs. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event. While the life of a metal roof is much longer investing in a metal roof only makes sense if you plan to stay in your home long enough to enjoy the cost benefits. But the extent to which insurance covers these damages depends on a few factors.

Although it is true that there have been metal roofs installed over existing shingles without any problems that doesn t mean that problems could not be on the horizon. Assuming your roof isn t in shambles a standard insurance policy covers the following roof damages. After all you ll be making a significant and long term investment. As a matter of fact it could end up being a considerable headache if things go in the wrong direction.

Yes you can install a metal roof over shingles. Or they may offer a claim settlement that is lower than you hoped. Every 2 3 years after they are 10 years old. Things to know about metal over shingle roof problems.

If you are trying to decide between the two materials it s important to carefully look at the metal over shingle roof problems.