Will Ins Cover Metal Roof Over Shingles Problems

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.

Will ins cover metal roof over shingles problems.

If you are trying to decide between the two materials it s important to carefully look at the metal over shingle roof problems. Yearly once the roof is 5 years old. Yes you can install a metal roof over shingles. Both metal and shingle roofs are great options for your next roofing project.

As a matter of fact it could end up being a considerable headache if things go in the wrong direction. Every 2 3 years after they are 10 years old. 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. Metal roofs and composite shingles.

Insurers consider a roof s age and condition when providing coverage. But the extent to which insurance covers these damages depends on a few factors. Assuming your roof isn t in shambles a standard insurance policy covers the following roof damages. Every 2 3 years after they are 10 years old.

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. After all you ll be making a significant and long term investment. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event. Or they may offer a claim settlement that is lower than you hoped.

Every 2 years after 15 years. 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. Most homeowners insurance policies won t pay to replace or. Things to know about metal over shingle roof problems.

If you have a damaged roof you re likely going to have problems within your home that will lead to more claims. 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. With that mind many insurers view roofs as critical. Adding more insulation during installation usually solves this problem but that may increase costs.

When a major storm is coming document the roof s condition before and after. Age of roof and insurance. Clay and concrete tiles. Wood shingles and shakes.

Some insurers won t even cover your home if it has an older roof.