Author Archives: Eclat Roofing

How Long Does a Modified Bitumen Roof Last?

Modified bitumen roof

Are You Interested in a Modified Bitumen Roof?

With the wide range of weather in the Dallas, Texas area, a commercial structure needs the best roofing material possible. It has to be able to withstand hot blistering sunny days of Texas summers to ice and snow during the winter, with hailstorms in the spring that can do the most damage. It is because of this varying weather that more commercial structure owners are going with a modified bitumen roofing system.  

What is a modified bitumen roof?

Many experts in the commercial roofing industry consider modified bitumen roofing as a built-up roofing system’s cousin. BUR (built-up roofing) has been the most common roofing material for over 100 years for flat or low-sloped structures. Today, modified bitumen roofing is taking its place. 

Modified bitumen roofing is made by combining asphalt with polymerized rubber or plastic, then fiberglass is used to reinforce the product, creating a flexible, but rugged waterproof membrane. This roofing material can be installed in two layers or a multi-ply system.

How long does a modified bitumen roof last?

When installed correctly and maintained as recommended, a modified bitumen roofing system can last up to 20 years or more. This long lifespan is one reason for its popularity as well as the two different installation processes: 

  • Torch-down
  • Peel-and-stick adhesive

What are the problems with modified bitumen roofing?

Most problems with a modified bitumen roof occur due to poor installation. It is important to interview several roofing contractors who specialize in modified bitumen roofing and check their references.  The problems that occur include: 

  • Improper roof sloping leads to degrading material and water pooling 
  • Improper application of adhesives leads to seam separating
  • Improperly installed insulation 
  • Moisture seeping into the material causes blistering 
  • Flashing installed incorrectly
  • Punctured, torn membrane from wind-driven debris

You can avoid problems caused by poor installation by contracting a roofing company with extensive training and experience with modified bitumen roofing systems.

What is the most frequent cause of leaks with modified bitumen roofs?

Modified bitumen roof leaks can start leaking for several reasons some of which are: 

  • Improper flashing installation: This can be from not being properly fastened down in most cases. 
  • When modified bitumen roofing is installed by the torch-down method, the head can cause the moisture barrier to leak if not applied carefully. 
  • Modified bitumen roofs may experience leaks when a proper moisture barrier is not installed. 
  • Inadequate backwater laps and head laps can allow moisture to infiltrate the membrane, leading to blistering and leaks.
  • Insufficient adhesive application.
  • Poorly installed seams.

Can you walk on a modified bitumen roof?

Yes, when a modified bitumen roof is properly installed, it will hold up to foot traffic. For any area of the roof that supports building equipment or will be subjected to heavier foot traffic, additional reinforcement may be recommended. 

How do you maintain a modified bitumen roof?

The different seasons and weather here in the Dallas, Texas area can abuse a modified bitumen roof, weakening its structural integrity. The key maintenance of this roofing material is consistent and thorough inspections.  Those inspections should check the following:

  • Exposed Insulation
  • Clean and clear Drainage
  • Broken Welds
  • Holes, Rips, Tears
  • Blistering
  • Ponding water

Which is better TPO roofing or modified bitumen roofing?

When looking for new commercial roofing material, modified bitumen roofing has become a popular choice.  Another choice is TPO roofing. But is one better than the other? Look at the benefits we have listed, and then along with your professional roofing contractor, you can choose the best for you: 

TPO roofing benefits:

  • Flexible in cold temperatures
  • Available in a variety of colors
  • UV resistant 
  • Energy Star-rated
  • Cool Roof-rated
  • Can be installed over existing roofing
  • Lifespan up to 30 years

Modified Bitumen roofing benefits: 

  • Withstands wide temperature ranges
  • Has a greater thickness 
  • Withstands foot traffic 
  • Reflective surface
  • Lifespan up to 20 years. 

Is there more than one type of modified bitumen? 

Yes, there are two, both provide a high quality of protection and your commercial roofing contractor can help you choose which is best for your roofing application. The two types are: 

  • Styrene Butadiene Styrene (SBS):

A rubber-type of polymer that is installed with either a cold adhesive or hot asphalt mopped on. 

  • Atactic Polypropylene (APP): 

A plastic-type of polymer that is installed either by heat-welding or torch-applied.

In Closing

Choose a commercial roofing contractor who has worked with all types of roofing systems, including a modified bitumen roofing system. Ask for referrals and check those references for satisfaction of the completed job. Getting two to three different quotes is always recommended and getting the quotes in writing as well as their warranty.  

Before you make the commitment to a new modified bitumen roof or any type of roofing material on your commercial structure, check with your CPA on tax agreements. If you have need of a modified bitumen roof in Dallas, TX, get in touch with us today at 214-373-1500!

What Is the Most Hail-Resistant Roofing?

a handful of hailstones

What Is the Most Hail-Resistant Roofing?

If a homeowner in Dallas, Texas understands what they need, they will have hail-resistant roofing. Texas may be at the southernmost end of the infamous “Tornado Alley.” Still, homes and businesses get their fair share, maybe even more, of hailstorms and high winds, making hail-resistant roofing essential for keeping a house or building safe during storms.

What are hail-resistant roofs? 

The shingles on hail-resistant roofs are manufactured with an asphalt formula of styrene-butadiene-styrene, also referred to as rubberized asphalt. Instead of breaking and cracking the shingles, the hailstones bounce off. 

Shingles must pass the UL-2218 impact test to be eligible as hail-resistant roofs. This industry rating confirms their hail resistance, and once they pass this industry-standard testing, they obtain a Class-4 rating.

How are shingles tested to be classified as hail-resistant roofs? 

Professionals perform tests in a controlled UL (Underwriters Laboratories) laboratory by dropping a steel ball from various heights. The Class 4 rating is the highest level of impact for hail-resistant roofs and protects them from hailstones of up to two inches in diameter. It certifies that shingles will not break or crack during a hailstorm. 

What type of damage can hailstones cause?

In general, even a 1” hailstone can cause damage when accompanied by strong winds at a particular trajectory. As hailstones become bigger, the potential damage they can cause also increases. The Tornado and Storm Research Organization measures hailstones with a scale of H0 to H10. The damage that can occur with various sizes of hailstone is: 

  • Pea-size hailstones: These measure between .2 and .4 inches and are classified as H0. They usually do not cause noticeable damage.
  • Mothball-size hailstones: These measure between .2 and .8 inches and are classified as H1. They have the potential to damage objects such as flowers and leaves. 
  • Grape-sized hailstones: These measure between .2 and 1.2 inches and are classified as H2. They can cause significant damage to gardens and vegetables.
  • Walnut-sized hailstones: Measuring between .4 and 1.8 inches, these are classified as H3 and can break glass, scrape painted surfaces, splinter wood, and dent metal. 
  • Table tennis ball-sized hailstones: Measuring between .6 and 2.4 inches and having an H4 classification, these hailstones are capable of breaking windows, scraping painted surfaces, and killing small birds and creatures.
  • Golf ball-sized hailstone: Measuring between .8 and 3 inches and classified as H5, these hailstones can break tiles on roofs that are not hail-resistant and can dent cars, break tree branches and bark, and kill small animals. 
  • Jumbo egg-sized hailstone: Measuring 1.2 to 3.9 inches and classified as H6, these hailstones can punch through roofing that isn’t hail-resistant, break window frames, and score metal surfaces.
  • Tennis ball-sized hailstones: Measuring between 1.8 and 4.9 inches and having an H7 classification, these hailstones can shatter roofing that isn’t hail-resistant, break window frames, and cause damage to cars.
  • Softball-sized hailstones: Measuring between 2.4 and 5 inches, this H8 classification stone can break shingled and tile roofing, destroy concrete roofs, destroy small trees, and harm humans. 
  • Grapefruit-sized hailstones: Classified as H9 and starting at 3.2 inches, these stones can destroy roofing, wood walls, and large trees and cause fatal injuries.
  • Melon-sized hailstones: Classified as H10 and starting at 4,” these stones can damage a brick wall, destroy wooden walls, and cause death. 

What is the most hail-resistant roofing?

While shingles labeled for hail-resistant roofs are ideal for most homes, other roofing materials are suitable as well, including: 

Metal Roofing

Metal roofing has been around forever, standing the test of time and protecting homes from hailstones. It has gained popularity for residential properties over the last few years because it is just as good for hail-resistant roofs. Many roofing contractors claim it is more durable in deflecting hailstones. 

Slate or Tile Roofing

Slate and tile roofing are known for beauty, longevity, and hail resistance. Although they are more expensive than shingles for hail-resistant roofs, they last longer, and you won’t ever need a new roof again. 

Rubber Roofing

Rubber or synthetic roofing material has gained popularity and is still growing. It is manufactured to look like standard shingles but provides more protection for hail-resistant roofs. 

How long do hail-resistant roofs last?

Class 4 shingles for hail-resistant roofs have a higher price tag than standard asphalt shingles, but because they will last between 30 and 50 years when properly installed and maintained, they can save you money over time. 

Topping Off Your Home

Are the shingles labeled for hail-resistant roofs worth the extra cost? Absolutely! Wouldn’t you feel better knowing that while your roof is getting pelted with golf-ball-sized hailstones or tennis-ball-sized hailstones, it’s being kept safe? 

Are Hail-Resistant Roofs Effective?

Should you choose a hail-resistant roof?

As any lifelong Texan will tell you, hailstorms can happen any time of the year. With that in mind, it makes hail-resistant roofs look like a smart move.  Choosing a hail-resistant roof in Dallas, TX is always a good idea because it can potentially save your home a lot of damage. Keeping this in mind, what should you think about if you’re interested in a hail-resistant roof for your home or building? And which kind of hail-resistant roof is the best option for your needs?

What are considered hail-resistant roofs? 

Hail-resistant roofs are one that the material, whether it is asphalt shingles or metal roofing, meets the requirements to be rated Class 3 or Class 4 under UL2218 testing. Class 4 has the highest rating, which slate tile roofing falls under. 

What is the testing process of materials for hail-resistant roofs?

Various sizes of steel balls are dropped from a 12-foot height onto the roofing materials, and the damage is examined.  The steel balls range between 1.25 inches and 2 inches in diameter. For a Class 4 rating of hail-resistant roofs, the steel ball is dropped twice and the roofing doesn’t crack. 

Hailstones travel at high incredible speeds and make an unbelievable impact. A roofing material that doesn’t meet the Class 4 requirement for hail-resistant roofs, will be rated Class 1 or Class 2.  Fortunately, here in the Dallas, Texas area, baseball-sized hailstones aren’t normal. 

What kind of damage can hailstones cause?

There isn’t an ‘official’ measurement scale for the size of hailstones and the damage they can do. With this part of Texas being at the bottom part of Tornado Alley, choosing a material that is proven for hail-resistant roofs. Some general measurements are: 

  • Pea-size hailstones averaging 1/4 inch in diameter are the smallest average size of hailstones and are non-threatening, doing little to no damage. 
  • Marble-size hailstone averaging 1/2 inch in diameter and have the potential to cause damage to gardens, plants, and tree leaves, coming down at about 20mph.
  • Grape-size hailstone averaging 3/4 inch in diameter or larger and can cause significant damage like stripping the leaves off trees, and plants, and destroying gardens.
  • Walnut-size hailstones averaging 7/8 inch in diameter are considered severe hailstorms that can break glass, damage painted surfaces, and dent metal surfaces. 
  • Golf Ball-size hailstones that average between 1 inch and 1 ¾ inch are considered destructive hail that can break roofing tiles, and tree branches, damage cars, and kill birds and small animals.
  • Softball-size hailstones that average between 2 ½ to 3 inches in diameter can destroy shingles and tiled roofing, knocking down trees, and can seriously injure anyone caught in the storm. 
  • Grapefruit-size hailstones that average between 3 ½ and 4 inches in diameter are considered major hailstorms that can cause death and destroy concrete roofs, and walls, and knock over trees.
  • Melon-size hailstones that are 4 inches in diameter or larger, and often travel at 48mph or faster, destroying brick and wooden structures, and killing anyone that is out in the storm. 

What is the lifespan of hail-resistant roofs?

A quality material used for hail-resistant roofs that are professionally installed and have proper maintenance by the homeowner could last up to 100 years when using hail-resistant roofs of slate and tile.  Asphalt hail-resistant roofs have a lifespan between 40 and 50 years.

Can hail damage to roofs be prevented?

Mother Nature is gonna do what she’s gonna do, so you can’t stop hailstones from hitting the roof, but you can do a few things to minimize the damage to your home and surrounding area: 

  1. The roof: The roof will incur the most damage, so make sure you have the best roofing material possible and have it inspected by a professional roofing contractor every 2 to 3 years. When they suggest it is time to replace the roof, get several quotes and follow through. 
  2. Anchor or Store Outdoor Furniture: Any outdoor furniture and décor should be anchored down or stored when storms are in the forecast. 
  3. Intentional Landscaping: Choose your landscaping with high winds in mind. The right stuff in the right position can provide a barrier to the acts of Mother Nature. 
  4. Keep Trees Pruned: Keeping trees trimmed is essential for protection against high winds, especially on the roof and close to windows.  
  5. Move Cars to Garage: When storms are in the forecast, make sure your cars are in the garage or under a carport. 

Staying On Top Of Things: Are hail-resistant shingles worth it?

When it comes time to replace your current roof, choosing a roofing material that has been proven ideal for hail-resistant roofs is well worth the extra money. Not only will your home be protected from the storm, but with a higher equality of shingles, you won’t need to replace your roof for another 30 to 40 years or longer, if ever! If you’re interested in hail-resistant roofs in Dallas, TX remember to reach out to our team. We can be there to help walk you through your options and provide you with the installation services you need.

How Do You Repair an Old Slate Roof?

A Slate Roof

There are many different sizes, styles, and ages of homes in the Dallas, Texas area.  Some of the older parts of the city were built to last, including having a slate roof. Repairs are necessary on the structures, however, including the roofing. However, slate roof repairs require an experienced contractor who has worked with slate roofing material.   

When a slate roof is damaged, replacing it can be costly, depending on the size of the home. The cost can start around $10,000 and go upward of $50,000 or more. Is it worth repairing a slate roof? Absolutely, after you get price quotes to replace the slate with slate, the possibility of having professional slate roof repairs is the more cost-effective option. 

However, the age of the roof and the extent of the damage can have an impact on slate roof repairs.  If the roof has reached its prime of 100 years or older, has extensive damage, and depending on the method used to complete the repairs, it could make the cost inconceivable. 

What are the methods of slate roof repairs? 

Two acceptable methods for slate roof repairs that require the slate tiles to be replaced. Those two methods are:

  • Nail and Bib: This is the most used slate tile repair/replacement method. The contractor will remove the broken slate tile with a slate ripper.  The replacement slate tile is then anchored to the roof using a nail that is inserted between two slate tiles. Then the row above is returned, overlying the new slate tiles. 

A small square of flashing made of aluminum, copper, or other corrosive-resistant metal is slid under the two slates and overlying the next course above the new slate tile and over the nail head. 

  • Slate Hook: This method is done by using a 3” long hard wire hook made of copper, galvanized steel, or stainless steel. A small, exposed loop hooks to the replacement slate, pulling it into place. The hook is left, which is why they are typically a color that blends with the slate. 

Can cracked slate roof tiles be repaired instead of replaced? 

If the cracks are minor, then yes, a waterproof sealant can be used to repair the crack. However, it is recommended to have the entire roof inspected, especially around the cracked slate tile. Depending on the extent of the damage and if there are any issues like structural or wood rot issues, a slate tile roof replacement may be the better option. 

What are the downsides of a slate roof?

Slate roofing was commonplace in the early settlement years of Dallas, and for a variety of reasons, it has become a popular choice. Those reasons include the aesthetic, and unique beauty it gives a home. You can get a distinct look with wide choices in colors, sizes, and thickness. The long, long lifespan, environmental friendliness, weather resistance, and everlasting durability are key reasons people are choosing a slate roof. Repairs are the biggest downside to this roofing material, but there are other downsides too, including: 

1. The Weight

A significant issue with having a slate tile roof is the weight. Because of the significant extra weight of these tiles, up to 800 pounds per SF, the structure should have an engineering inspection before installing the slate tile. A house that isn’t approved by engineering can end up collapsing under the weight. 

2. The Installation 

The installation of slate roofing is challenging and time-consuming. Depending on the size of the home and where the slate tiles are coming from, the installation can take up to 3 or 4 months. 

3. The Repairs

Not only is the installation difficult for a slate roof, repairing it can also be just as difficult. The first challenge in the repair process is finding new slate tiles that match the existing tiles. Slate is a natural material that is found in a variety of colors, shapes, sizes, and thicknesses. If a slate roof repair requires replacing any of the tiles, they most likely are not going to 100% match, which can affect the overall aesthetics.

4. The Fragileness

A slate roof can be confusing. On the one hand, we’re told they are durable. They can withstand the weather, fire, and more. Yet, it is also a fragile material. Foot traffic is discouraged because stepping on the tiles in the wrong manner can break the tiles. This is why slate roof repairs should only be done by an experienced contractor who has the knowledge and proper equipment to complete the job without causing more damage. 

5. The Installers

Just as with slate roof repairs, the installation should be done only by an experienced contractor. Because the installation process itself is challenging, and the tiles can be easily damaged if mishandled or installed wrong, it can be hard to find a local roofing contractor with slate tile experience. 

6. The Cost

This may be the number one reason why more homeowners do not choose slate roofing. The upfront cost is as much as 5x more than asphalt shingled roofing. 

In  Conclusion

So, with all of this information, you have to wonder if a slate roof is worthwhile. From the homeowner aspect, if you’re going to stay in your home for the unforeseen future, yes, a slate tile roof is worthwhile. But if flipping it may be on the nearby horizon, it can raise the value of your home, but may not be enough to recoup the cost.

How Big Does Hail Need to Be to Damage My Roof?

close up of hail damaged clay roof

Hail Damages to Roofing Systems

The roof of businesses and homes in the Dallas, Texas area have a battle with the elements 24/7/365. While most of that time is the sun, UV damage can weaken a roof and when a hailstorm comes around, the amount of storm damage roof repairs can be extensive. But, to the untrained eye, you may not realize this, which is why it is so important to have a professional roof inspection any time there is a significant weather event. 

What types of damage can a storm cause to a roof? 

The roof on your business or home has a high chance of needing storm damage roof repairs in the aftermath of hailstorms, hard rains, high winds, ice, and snow. Once it is safe, you should walk around your home and look for possible storm damage roof repairs, apparent by the following signs: 

  • Missing Shingles

If there are any loose shingles, those high winds that come through the Dallas, Texas area will pull them off. You may find them lying on the ground around your home, or you may simply notice you have shingles missing from the roof.

  • Shingle Damages

Shingle damage isn’t always visible from the ground. So if you’re uncomfortable climbing a ladder to inspect your roof, call for a professional roof inspection to check for storm damage roof repair possibilities. Cracks, dents, or holes in the shingles are typical signs of hailstone damage and lifted, peeling, and torn shingles are indications of wind damage. 

  • Shingle Granule Debris

Asphalt roofing shingles are topped with a layer of granules for an added layer of protection.  As we mentioned earlier, the daily UV rays start the damage on a roof with some granule loss. When a hailstorm or hard rain comes through the area, it can remove an excessive number of granules, weakening the protection the shingles are providing. This is noticed by an excessive number of granules in the gutters or on the ground. Or you may notice horizontal indentions in thin lines across the shingles, this is a sign of granule loss. 

  • Fascia, Flashing, Gutter, and Soffit Damage

Storm damage roof repairs aren’t just discovered by inspecting the shingles. The fascia and soffit, flashing and gutters take a beating in bad weather too. The high wind can loosen the gutters and downspouts, clog the gutters with asphalt shingles and debris, loose or rip off flashing, break the seal on the shingles, and more. 

  • Debris and Tree Damage

A major storm can knock tree branches off, even lift whole trees up, ending them on rooftops. The whole tree is in apparent need of storm damage roof repair, but the limbs may have hit the roof and blown away. The damage there needs to be inspected by a professional roofing contractor. 

  • Crooked Chimney

High winds during a major storm can loosen or remove the flashing around the chimney, allowing water to get under the shingles and around the chimney. This can loosen the chimney. A crooked chimney isn’t always visible to the naked eye, another reason after a significant storm is, damage roof repair possibilities can be defined by a professional roofing inspector.

  • Attic or Ceilings Leaks

When you have water coming through the ceiling, storm damage roof repairs are apparent, but sometimes, the leaks are small and not as obvious. A professional roofing inspector will climb into the attic to check for signs of damage like moisture penetration, small pools of standing water, mildew, and mold on the roof beams or insulation, etc. 

  • Ice Dams 

The Dallas, Texas area doesn’t get a lot of snow, but when we do have it, there can be roof problems in the way of ice dams. These develop as the snow melts from any heat escaping through the attic. As the evening temperatures lower, that melted snow and ice will refreeze along the roof edges and eaves, and in the gutters. Then when it begins to melt again, that water backs up under the shingles, causing storm damage, roof repairs, or roof replacements.

What size of hail stone can leave you needing storm damage roof repairs?

The level of storm damage roof repairs will depend on the size of hailstones, for example: 

  • Pea-sized hailstones: This size isn’t likely to cause damage unless it is accompanied by high, strong winds. However, over time multiple hailstorms with pea-sized hailstones can cause storm damage roof repair needs that you may not see yourself, but a professional roofing contractor will walk the roof and look for the indications that you need storm damage roof repairs. 
  • Golf ball hailstones: A golf ball size hailstone can cause significant damage to the flashing, gutters, shingles, and other areas of the roof.  Even if hail damage isn’t obvious to you, a professional roofing contractor will have the experience to know what to look for. 
  • Large hailstones: Any hailstone larger than a golf ball will typically cause significant storm damage roof, repairs are definitely needed, possibly a new roof. The faster these larger hailstones, the more significant the damage.
hail balls

What steps should you take if you suspect storm damage roof repairs are needed? 

As you walk around your home, and/or access the attic, take pictures or videos of storm damage roof repairs you find, documenting as you check.  Then contact a roofing contractor and schedule a roof inspection, followed by calling your insurance company to file a claim. 

When the insurance adjuster from the company calls to schedule an appointment, ask your roofing contractor to be there too. The insurance adjuster is there for the company, the roofing contractor is there for you.

Is there anything that can be done to protect a roof from storm damage? 

Yes! Keep trees trimmed back from the roof and keep the gutters and downspout clear and repaired. Inspect your roof every month to check for loose flashing or shingles and have repairs made as you find these things.  Leaving these unaddressed could be ripped off by the next hard, high wind, leaving you needing emergency storm damage roof repairs. 

How much do storm damage roof repairs typically cost? 

This can’t be given a flat quote because it will depend on a few factors like the type of roofing material and the extent of the roof damage.  How long do storm damage roof repairs take to complete? Again, the same factors that can affect the cost will determine the time it takes to make the repairs. 

In Conclusion

When you determine you need storm damage roof repairs done, choose a local contractor with positive results from previous customers. Ask for proof of their certification, insurance, and license along with a list of recent referrals. Then take the time to check with those referrals for their feedback on the work they have done. 

Eclat Roofing provides 24/7 assistance with storm damage roof repairs in Dallas, TX. Contact us at 214-373-1500 day or night to get scheduled.

What Do Insurance Adjusters Look For On Roofs?

Insurance inspector ascending roof via a ladder

Learn More About the Insurance Inspection Process

Within your homeowner’s insurance policy is coverage for the roof. Insurance claims this time of the year in Texas are frequent and many as hailstorms and high winds come with the spring season. Insurance coverage for the roof covers any damage caused by unforeseen events like accidents, tree branches (or trees!), and the weather. 

Not all insurance policies are the same, they can vary from house to house, even if every one of your neighbors has the same insurance company. As a homeowner, you should review your policy from time to time so that you’re not hit with surprises if you should ever need to file a roof insurance claim. 

How Do Roof Insurance Claims Work? 

When your home’s roof is damaged during a storm or other unexpected event, you need to contact your insurance company and advise them you need to file a roof insurance claim. They will assign a claim number to your file and assign a company insurance adjuster. 

The adjuster will schedule a time to come inspect the damage and take notes and pictures, possibly videos of the inside and outside of your home where the damage is located. Today, many insurance companies are using drones to save them from having to climb up on the roof. They will then advise you how much the insurance company will pay, less your deductible. 

What is an Insurance Deductible? 

This is the amount of money you are required to pay out of pocket prior to the insurance company paying your roof insurance claim. The deductible is based on the type of coverage you choose when you purchase your insurance policy. 

There are two different types of roof insurance claim deductibles you can choose from, and both provide help with the expense of replacing the roof. The two different types and how they work are: 

  • ACV (Actual Cash Value)

The insurance company will pay the amount of money needed to repair or replace your roof less the decreased property value due to the age of the roof. 

  • RCV (Replacement Cost Value)

The insurance company will pay the amount it cost to repair or replace your roof at fair market value. With this type of policy, your insurance company may pay the ACV, and then once you have proof the job is complete and paid in full, you’ll receive a check reimbursing you for the extra cost you paid out of pocket, referred to as “Recoverable Depreciation.” 

You should have your insurance agent review both of these with you. The RCV option will have a higher premium, but the payoff will be noticed if and when you need to file a roof insurance claim. 

How Does the Insurance Adjuster Determine if the Roof is a Total Loss?

First, you need to understand that the amount of hail that came with the hailstorm is not what the insurance adjuster will use as a guide as to whether they are paying for a full roof replacement. Factors that consider are the roof’s age and the extent of the hail damage. They will consider several weather factors in their decision making too, such as the direction, frequency, and size of the hailstones. Some indicators the roof insurance claims adjuster will use to determine if you’re getting a new roof are:

  • Missing granules
  • Exposed layer under the shingles
  • Soft & spongy areas where granules are missing (this is referred to as bruising)
  • If the fiberglass mats are broken or cracked 

Other things the roof insurance claims adjuster will look at include: 

  • Signs of leaking roof inside the attic and house
  • Peeling paint on the eaves, fascia, and soffit
  • Shingles that are buckled, curled, loose, or missing
  • Damaged or rusted metal flashing
  • Signs of wood rot 

It isn’t uncommon for a homeowner not to be aware of what a roof insurance claims adjuster is going to look for, so ask questions and do your research. While they want to make sure your home is safe and habitable, they are also on the side of the insurance company. 

As such, it is recommended to have your roofing contractor present when the roof insurance claims adjuster arrives to inspect the roof and other damaged areas with them.  The roofing contractor is on your side!

Why Would a Roof Insurance Claim be Denied?

Ah, the question asked by many homeowners: “Why was my roof insurance claim denied?!”  The roof of your home is an important component. You pay your premiums every month like clockwork, and yet,  when you filed your roof insurance claim for hail damage, wind damage, or maybe a tree fell on your house, they denied the claim. What reasons could an insurance company possibly have for denying a claim? Here are six possible reasons: 

  • Wear & Tear

The roofing materials used today are made with the latest technology to provide you with a longer lifespan. Yet, still with harsh weather conditions and the climate, any type of roofing material will start to degrade. While most asphalt shingles offer 20, 25, or 30-year warranties, you can be prepared to need a new roof within 15, 20, or 25 years respectively. 

This happens as we stated, the weather and simply aging, but lack of maintenance on your part can shorten the lifespan too. If the roof insurance claims adjuster deems the roof has reached its end of life prior to the damage reported, or the roof has been neglected, they will recommend the company deny your claim.

  • Damage Previously

Here in Texas, it’s unlikely that we’ll go 30 years without any significant weather events like hailstones, hard rains, high winds, or ice. What you should realize with your however, is that any repairs for damage prior to taking out your homeowner insurance policy will not be paid for the current/new policy. 

A homeowner’s roof insurance claim will only be honored for recent damage. If there is a combination of old and new damage, whether or not the insurance roof claims adjuster determines to deny will be based on the previous damage being the main source of damage.   

  • Partially Damaged

In order for your roof insurance claim to be approved for full roof replacement, the adjuster will need to determine if there is enough damage to justify it. This can be an iffy situation because every adjuster may have a different view while inspecting the roof. A partial repair or replacement denied claim is more often than not a disputable matter and the homeowner comes out the ‘winner’. 

  • Manufacturing Defect

If the roof insurance claim adjuster declares the damage is caused by defective materials, they will deny the claim.  Most major roofing material manufacturers have a standard limited warranty when you purchase their roofing materials. That warranty will provide coverage if the specifics they have set forth are met, starting with the roof must be installed by an approved roofing contractor. 

  • Late Roof Insurance Claim Filing

Most home insurance policies state that any insurance claim against the policy must be filed within 365 days from the time of damage. Failing to file that claim can result in your claim being denied. 

At The End of The Day

If your roof insurance claim is denied, is that it, there is no other avenue to try. Absolutely not! You can dispute the denial with your insurance company, and if you still don’t receive what you feel is a fair decision, you can hire an independent insurance claims adjuster. 

Are imitation tiles long-lasting?

close-up of a dark gray tile roof

Choosing Imitation Tiles

If you have ever driven through the Highland Park or Swiss Avenue areas of Dallas, you no doubt were taken aback by some of the most beautiful and grand homes. Many are historic, belonging to the same family for generations. Others belong to “new money”, and then there are many that are the ‘knock down built up’ type of mansion. And it is those that need and want to keep within the older, original homes. Imitation tile roofing helps them do just that.

What are imitation tiles?

Today, the choices in roofing materials are almost endless! A homeowner can determine what factors are the most concern for them and then choose the best fit. It is all about the cost, quality, architectural style, and energy efficiency, among other things. There are as many factors to list as there are choices. 

Today, homeowners in Dallas, Texas and the surrounding area often choose imitation tile. For historic area homes like those in Highland Park and Swiss Avenue, this roofing material is a great choice because it stays within the architectural style of their home. For other homes, imitation tiles, often referred to as composite or synthetic tiles, are the answer to their environmental concerns.

Imitation tiles are typically made from 100% recycled materials and can be manufactured to have the same appearance and style as other popular, but more expensive, roofing materials, including: 

  • Natural Slate
  • Wood Shakes
  • Spanish Tile 

Why would you use imitation tiles?

There is a multitude of reasons why imitation tile has become the go-to for many homeowners.  With all the concerns about going green and recycling, imitation tile roofing is a perfect solution for a must-have item. A few of the prime benefits of imitation tiles for your roof are: 

  • SAVES MONEY: Choosing imitation tiles for your roofing instead of natural slate tiles or Spanish tiles is a money saver! First, they are lighter weight, so the installation part won’t be as expensive. 
  • LONGEVITY: Imitation tiles are more durable, so you won’t be replacing tiles every time it hails, they are more weather resistant than other types of roofing tiles you may choose, including strong winds. And with a standard fifty-year warranty, you’ll probably only need one roofing job. 


  • LIGHTWEIGHT: Because imitation tiles are so lightweight, you won’t have to worry about the structural stability to your home. Andy by being so lightweight in comparison, delivery of the materials is more likely to be damage-free. 

What are the advantages of imitation tiles?

When it comes to selecting a roofing material today, the options are endless, but not all roofing materials suit every homeowner’s needs, or budget. But most experts in the roofing industry will tell you that imitation tile roofing material is the be-all to end-all! Why? We’ve listed many advantages and benefits already, but let’s recap here: 

  • Durability: A new roof is an expensive undertaking, and every homeowner hopes they never have to experience it more than once. Imitation tile roofing will almost guarantee it is your last roof installation ever! Why is that? Keep reading. 
  • Wind Resistance: Imitation tile roofing can withstand winds up to 110 miles per hour. Except for a natural disaster or hurricane strength, tornado strength winds, an imitation tile roofing is there to stay. 
  • Fire Resistance: With Class A Fire Resistance Rating, imitation tile roofing has been chosen for more building projects that include historic preservation in recent years. And the possibility of insurance discounts is always attractive. 
  • Impact Resistance: There are several ways that the roof of a home can sustain damage. From hailstorms to tree limbs and flying debris, an imitation tile roof is rated at Class 4 for impact resistance, the top-of-the-class measurement. 
  • Fade-Resistance: Many other roofing materials fade over time with constant exposure to the sun. Even when the all-natural materials are treated with a protective sealant, your pristine roof will begin to look old, unkempt, and weathered. Imitation tile roofing material is resistant to the sun’s harsh UV rays. 
  • Strong Warranty: There aren’t many roofing materials that do not offer some type of warranty, and the difference between the brands and the materials is as endless as the types of materials. Because imitation tile roofing material is durable, resistant, and strong, the manufacturers give it a longer warranty than most other roofing materials. 
  • Cost: All-natural roofing materials tend to have high price tags, whereas imitation tile roofing materials are more lightweight and are typically made from recycled materials. The delivery and imitation tile installation process is also easier, making them more affordable in many cases. 
  • Eco-Friendly: Imitation rile roofing material is made from recycled materials makes it an eco-friendly material, but that’s not the end of its lifespan! It can be recycled again for other purposes when has finished its job as roofing material!

Are imitation tiles a cheaper option?

It depends on what you’re looking for in roofing material. Imitation tile roofing material is not as expensive as all-natural materials, but if you’re used to asphalt shingle roofing, it is more expensive. 

Are imitation tiles better than other types of roofing materials?

So maybe you aren’t interested in anything like imitation tile, recycled tile, or synthetic tile. And that’s okay. Other types of roofing tile that are recommended to consider would be: 

  1. Clay Roof Tiles: A popular choice for centuries on residential properties. Beautiful, durable, and has a long lifespan up to 100 years or more! Weather-resistant, energy-efficient, fire-resistant, wind-resistant up to 150 mph, and impact resistant up to 2” hailstones. 
  1. Concrete Roof Tiles: Concrete tiles are often chosen because they mimic the aesthetic appeal of clay, slate, stone, or wood shake, but they can be more durable. They are one of the most common roof tiles chosen because they are cost-effective when looking for the best performance.
  1. Ceramic Roof Tiles: Ceramic tiles are made from clay, glass, sand, or recycled materials. They are energy efficient, allergen resistant, and available in many colors, shapes, and textures. 
home with a reddish-brown tile roof

In Conclusion 

And which tiles are the most long-lasting? Given how long they have been around, clay tile roofing has the longest lifespan – one of up to 100 years. At this time, because imitation tile roofing hasn’t been around as long, it is guaranteed up to 50 years, but we’re betting it is going to give clay tile a run for the money.

Should I file an insurance claim for my roof?

lightning striking a home's roof

Dealing With Damage

Winter ends far more quickly than you may expect, and when it does, spring will arrive, coming into town with thunderstorms, high winds, and hailstorms. Those hailstorms lead to roof insurance claims and knowing how to file a roof insurance claim right will make all the difference in how quickly you get your claim approved.

What do insurance companies look for with roof damage?

It isn’t unusual for a homeowner to be clueless about what an insurance company is going to look for when they file insurance roof claims or any type of claim. The first thing to understand is the insurance adjuster is on the insurance company’s side unless you hire an independent insurance agent. The adjuster will inspect the roof to determine if there is damage to the roof covered by the insurance policy. Remember, not all policies are the same, so never expect what your neighbor got to be the same as what you’ll get. 

Here are six signs the insurance adjuster will look for to determine if your insurance roof claims are valid: 

  • Excessive granule loss: Loss of granules on an asphalt roof is not going to be THE deciding factor, but this will be considered. 
  • Damaged or missing shingles: Along with missing granules, a requirement for covered hazard roof insurance claims for damage is if the shingles are presently able to function as intended. If they are broken or missing, their ability to protect is diminished.
  • Dented vents: Roofing vents that are dented are used to estimate the hailstone sizes with roof insurance claims. and frequency for claims.
  • Damaged gutters: Along with excessive granule loss and dented vents, damaged gutters also indicate the frequency, size, and direction of the hailstones and how compromised the shingle’s functional ability is. 
  • Leaks: An insurance adjuster, company furnished, or independent will check for any signs of a leak when processing insurance roof claims, including peeling paint under the roof eaves, buckling, curling roofing materials, damaged or rusted flashing, and wood rot. They will inspect the interior ceiling for dark spots, buckling, and peeling paint.
  • Other damage: Other damages that are inspected for roof insurance claims on the exterior of the structure will be examined and documented. This includes the HVAC system, paint, and trim, doors, windows, screens, and fences, along with any personal property damage. The goal is to establish that along with the roof insurance claims, there are other credible signs explaining the extent of the damage to the property.

Does an old roof affect insurance claims?

Absolutely! First thing you should realize, if your roof springs a leak or any insurance roof claims, the first factor for an insurance agent and the insurance company is the age and condition of the roof. If they deem the roof is old and should have been replaced already, they will likely deny your claim and give you a deadline to get a new roof installed before they cancel your policy. It is normal that the older a roof gets, the higher the annual premium will get. Once it gets to a certain age, 25 to 30 years, the insurance company may state the roof is too old to be insured. 

What is roof depreciation in an insurance claim?

Oh, the complexities of insurance roof claims!  A property insurance policy can include recoverable depreciation. This is the amount for the lost value of the item (your roof in this case) that is insured. A simpler explanation would be recoverable depreciation is the insurance company will make 2 payments: One to get the repairs or replacement started, and one when the job is completed.

Can I claim a leaking roof on my insurance?

Most homeowner’s insurance policies cover roof leaks and other damages then it makes sense to file roof insurance claims. However, the damage to the roof will need to be from a cause that is included within your policy. 

Can you claim a new roof on home insurance?

Yes, roof insurance claims are possible if there is damage sustained to the new roof that is covered by the insurance policy. There will be the same standards followed as with an older roof, but more likely to be fully reimbursed because it isn’t that old. 

Can an insurance company deny a claim because a roof is too expensive?

Highly unlikely that will be the reason for denying any roof insurance claims. However, as a good athlete will always have a good reason, so can insurance companies. But you can avoid many of those denied roof insurance claims. Here are some reasons that many insurance claims are denied: 

  • Lack of Coverage: Home insurance can provide protection from many things, but not everything. There are exclusions in every homeowner’s insurance policy. Review yours frequently to remind you what exclusions you may be faced with.
  • Missing the Deadline: Filing insurance roof claims have a deadline and if you file too late, your claim could be denied. Most policies state 180 days, but again, review your policy to see what deadlines are stipulated. 
  • Non-payment of Premium: This is a biggy! If you are missing home insurance payments, or they are consistently late, your policy could lapse and any roof insurance claims will be denied. 
  • Non-disclosure: Tell the truth about everything – any lying or omission about the nature and scope of your roof damage will get your roof insurance claims denied fast and your policy could be canceled. 
  • Insufficient Documentation: It is your responsibility to document any damage that is caused for filing roof insurance claims. This is your responsibility to prove it not theirs to find it. Document with notes, pictures, even videos. 
  • Wear and Tear/Negligence: The years will take their toll on homes, and without proper care and upkeep, things not only start looking bad, but they also lose their ability to do their job, like the roof. If the insurance adjuster sees that a roof should have been replaced a few years back, they will deny any roof insurance claims. If you don’t get them taken care of, your policy could be canceled. 

Does your insurance increase after a roof claim?

No, what makes insurance rates go up is a company having a lot of the same types of claims. If your area is wiped out by a tornado, everyone’s rates will go up. If you’re having your roof replaced because you’ve noticed it needs it, no, your rates will not go up. 

severely damaged roof after a storm

At The End of the Day

Do you know what to do if insurance denies your roof claim? It happens, more frequently than insurance companies want to admit. If your insurer denies your roof insurance claims, you have the right to appeal and have an independent adjuster inspect the roof and submit their findings. 

Are Clay Tile Roofs Worth The Investment?

home with a red clay tile roof

The Basics of Clay Tile Roofing

When considering a new roofing material for your home, it is too easy to go with the standard asphalt shingle material. An option that most homeowners never consider is a clay tile roof. Unless you have an endless bank account or your homeowner’s insurance is paying, the first concern is the cost of such an upgrade for roofing.  Are clay tile roofs more expensive than other roofs?

Yes, clay tile roofing is more expensive than asphalt shingles, but when compared to other roofing material options, it is relatively affordable. The process for manufacturing clay tile roofing materials is a long one so that the clay has time to harden and become solid for installation.  Examples of other roofing material costs include: 

  • Asphalt Shingle Roofing ranges between $4.00 and $5.00 per square foot 
  • Concrete Tile Roofing ranges between $4.00 to $6.00 per square foot  
  • Slate Tile Roofing ranges between $10.00 and $18.00 per square foot

How much does clay tile roofing installation cost?

Clay tile roof material can cost between $12 and $20 per square foot. Not only is the process of producing clay tile roof material part of the expense, but the weight of this material affects the cost. It is that extra weight that makes it a durable material along with other advantages. 

What are the advantages of a clay tile roof?

When you choose a clay tile roof, you will have advantages that many other roof materials do not offer, like the following: 

  • Colors: Available in many colors, but the terracotta is still the most popular, especially in the southwest. The other colors can match the architecture and style of any home. 
  • Designs:  Available in multiple design options including ridges and valleys for the traditional appearance of roofing shingles
  • Fire Resistant: Clay tile roof material can give any home an earthy aesthetic that has natural fire resistance.
  • Long Lifespan: A clay tile roof is one of the most durable materials, providing a long lifespan for the investment. How long does a clay tile roof last? A clay tile roof will last up to 75 years or more. 
  • Environmentally friendly: Clay tile roof is a 100% natural material and can be 100% recycled when its active roof life is completed.

In summary, the advantages of a clay tie roof are:

  • Durable
  • Long lifespan
  • Provides insulation
  • Weather resistance
  • Fire Resistant
  • Low to minimal maintenance
  • Adds aesthetic beauty 
  • Environmentally friendly

Are there any disadvantages to a clay tile roof?

As a homeowner, you know that there isn’t anything that is 100% perfect, including a clay tile roof. So, what disadvantages can you expect? 

  • Wind resistance: Yes, a clay tile roof is weather-resistant, but it is not 100% resistant when it comes to high winds. They will come loose, move around, and can even be blown off depending on the angle of the wind. 
  • Weight: Clay tile roof material is one of the heaviest materials. This factors into the cost of this material, and for a home that has never had a clay tile roof, an engineering report will be needed to make sure the structure can hold the weight. 
  • Fragile: Clay tile roofing material is not recommended for areas with cold weather. The cold, freezing temps can weaken the tile, make them brittle, and the slightest pressure can break or crack them. 
  • Cost: A clay tile roof is one of the more expensive choices in the roofing material for the reasons we’ve discussed here. However, the durability and longevity can offset that expense with a higher ROI by not having to replace the roof again for 75 years. 

Does clay tile roof repair need a lot of repairs?

You purchase a clay tile roof for the beauty and curb appeal, you certainly don’t want to be chipped, cracked, or broken tiles marring the appearance. Fortunately, repairs are infrequent, typically responding to a tree branch or limb falling on it, or a hailstone.  

Do clay tiles roofs leak easily?

Most clay tile roof leaks are due to poor workmanship of installation and/or repairs. Getting the under decking membrane installed properly is key to a leak-free clay tile roof. Never hire a roofing contractor that doesn’t have experience in clay tile and has recent references to share with you.

home with a dark gray clay tile roof

Ending Comments: Maintenance and Upkeep 

Once you’ve invested in a clay tile roof, you’ll want to keep the maintenance up to date, which will include cleaning it.  How do you maintain a clay tile roof? Fortunately, cleaning and making any necessary repairs are the only maintenance your clay tile roof will require. 

Keep trees trimmed back away from the roof. Monthly, check for any tree limbs, branches, leaves, or other types of debris, and remove them. The long these things sit on your roof; the more likely damage will occur.  

Is a clay tile roof easy to clean? Over time, your clay tile roof will gain some unsightly stains and streaks. These can be washed off using a mixture of detergent and water with a low-powered washer. Never use a high-powered washer will avoid having any clay tile broken or knocked loose. 

How to Protect Your Roof From Storm Damage

roof damaged by a fallen tree limb

Keeping Your Home Safe

North Texas isn’t a stranger to storms, Dallas has had some of the biggest tornadoes on record. And with that record-setting comes a lot of storm damage roof repair needs – something we may also hold some records for. While the storms may come with hailstones and high winds, this area also has ice and snowstorms too that require storm damage roof repair

For a homeowner in this area, it is important to know how to tell if your roof has storm damage, which lends itself to knowing how to inspect a roof for storm damage. So, what are the signs of storm damage to a roof? Here, we have provided a checklist for you to see if your home needs any storm damage roof repairs. However, you should know that most roofing contractors offer free inspections.

Before you risk climbing up on the roof, you may want to call a few to get that free inspection. They will provide you with a written estimate for any storm damage roof repairs needed, or will let you know if a replacement roof is needed. If you’re going to do your own, the checklist we recommend as follows: 

  • Roof: Walk around your home and get a visual assessment of the roof. Make notes of what you can see from the ground, taking pictures or videos if possible. Signs you’re looking for that indicate possible roof wind damage are broken, cracked, curled, dented, missing, loose, or torn shingles. 
  • Gutters, Vents, and Windows: Check the gutters, downspouts, vents, and windows for any dents, broken areas, or missing pieces. This includes checking the roofing accessories like gable vents and the overhangs. Check for broken or cracked windows, torn screens, and any loose or missing weather-stripping around the doors and windows. These all indicate storm damage, roof repairs are needed, these need repair or replacement too.
  • The Exterior: Walking around the exterior of your home, make notes of any broken or fallen tree limbs, damaged lawn decoration or furniture, and damaged or missing fence posts. Examine all the flat surfaces around your home like decks and patios for possible hail damage. If you have storm damage roof repairs needed, you can be certain other areas are damaged too. 
  • Attic and Ceilings: Check in your attic for any moisture, leaks, or  water spots and stains. The exterior part of your roof may not show roof damage from a hailstorm, but the attic will often tell a different story. Check the ceiling all through your home for water stains, moisture around or in the light fixtures. 

For a metal roof, storm damage is rare and is more likely to be rain leaking from where the screws or clips are installed. If a metal roof isn’t installed correctly, as the temperature fluctuates, it will cause the metal panels to shift, loosening the clips or screws. This makes the holes larger and then rain or melting ice and snow leak under the panels and into your house. Once the clips or screws have loosened, it will leave the metal panels vulnerable to high winds, causing a need for storm roof damage repairs or replacement. 

Can heavy rain cause roof damage?

Yes, if you live in an area where storms are common, heavy rain can wear down asphalt shingles. This will leave you with storm roof damage repair needs sooner rather than later if you want to keep any further damage happening. 

Once this damage has happened, if any shingles were washed or blown off, there is the chance of moisture penetrating the underlayment and decking. From there, it seeps into the attic. Left unaddressed, the integrity of your home’s structure is compromised, and this could lead to foundation issues. 

Rain can also lead to storm roof damage repair needs when the gutter system or downspouts are clogged.  The rain has nowhere to go except up under the shingles or spill over to the ground and saturate around the foundation, causing more problems. 

What damage can ice storms cause?

In addition to ice dams building up along the roof edge, ice storms can bring down tree limbs and powerlines, or even communication towers, disrupting communications for an area. The downed power lines can cut off power to homes and businesses for days, or even weeks as utility companies make repairs. All of this can lead to a range of problems for a home’s roof, including an inability to get some of the storm damage roof repairs you may need.

close-up of roof and gutters during heavy rainfall

A Final Few Words 

As a homeowner, it is important to understand what your homeowner’s insurance policy covers, what your out-of-pocket costs will be, and how to claim storm damage to a roof. Your own documentation, pictures, and videos are always recommended. Keep copies of any storm damage roof repairs or replacements you get from contractors. 

Once you have filed your storm damage roof repair claim, the insurance company’s adjuster will come to inspect the roof and identify other damages. If possible, have your roofing contractor there at the same time so they can review the damage together. Once they have completed their inspection, they will advise you what they will pay to have it repaired or replaced.