Blog

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. 

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. 

2. 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.

3. 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. 

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. 

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.

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.

Hail Damage to Asphalt and Composition Shingles 

• Haphazard damage with no detectable pattern.
• Black spots from hailstone hits.
• Missing asphalt granules from shingles. 
• Shiny areas on shingles. 
• Bruised, soft areas on shingles from hailstone hits.

Hail Damage to Wood Shingles 

• Haphazard damage with no detectable pattern.
• Brownish/orange split in the shingles.
• Sharp corners and edges on split shingles. 
• A split shingle with minimal or no deteriorating edges.
• Impact dents or marks along the shingle splits.

There are several other types of roof damage that are often mistaken to be hail damage, being caused instead by UV rays and weather exposure. This causes shingles to become brittle and gives them an aged appearance. These are basic normal wear and tear, along with blistering, cracking, asphalt granule loss, algae, and flaking. A professional roofing contractor will know the differences in roof damages.

Why is hail damage bad for a roof?

A hailstorm can leave behind serious and significant roof damage to a home. Once that damage has taken place, if it isn’t addressed with repairs or replacement, the roof damage can cause even more problems

Damaged Shingles

Roof shingles are an important component to an elaborate system that provides your home protection from moisture and other elements. They are typically installed on a sloped roof then sealed to create a waterproof barrier. When hailstones strike the roof, causing roof damage, the dense balls of ice hitting at that high velocity can dent or displace the shingles, breaking that waterproof barrier. Once this happens, water can get under the other shingles, onto the decking, and continue seeping through to the attic. When this damage is ignored or unnoticed, the roof will begin leaking and mold will begin to grow. This will create even more problems.

Warm Air Escapes

Broken, cracked, or missing roof damaged shingles will do more than allow water through the roof. It will let the warm air in your home out during the winter. This will create a cold, drafty interior and cause the energy bill to increase as you increase the thermostat heat. 

Can hail damage on a roof be repaired?

This will depend on the extent of the roof damage. Sometimes, only one, two, or a few shingles are damaged and can easily be replaced. However, if the hail roof damage is widespread or in larger areas of more than three or four shingles, replacing the roof is recommended. 

Can metal roofs be damaged by hail?

Absolutely! While a metal roof is typically more durable, that doesn’t make it immune to hail roof damage. The smaller hailstones will create small dents, but it is the bigger, heavier hailstones that will do the most metal roof damage. It can actually warp the metal, exposing it to more roof damage in the future. 

After any significant weather event, it is recommended to have your home’s roof inspected for roof damage, even if you have a metal roof. The sooner the smaller damage is identified, and measures are taken to repair, the less chance of further roof damage happening later. 

What is a hail-resistant roof?

Today, there are a few different hail-resistant roof types that have proven to withstand two-inch diameter hailstones with no roof damage left behind. This is approximately the same size as a standard egg. Further development in this area includes a rubber-type roof that not only can withstand a four-inch hailstone but is also made from recycled materials. This makes it a winner in two categories: hailstone resistance and environmentally friendliness. 

Are hail-resistant shingles worth it?

Definitely! It will keep you from worrying as much about your roof with each passing storm and can possibly get you some discount on your homeowner’s insurance. Choosing a roofing material with UL2218 Impact Rating, the national standard for measuring roof impact resistance will give you the best hail-resistant roof possible. This would be a roofing material with a Class 4 rating, the highest rating given by Underwriters Laboratories, aka UL. This not-for-profit independent organization was founded in 1903 and conducts testing on various products, including roofing materials, for their resistance against steel balls being dropped from various heights. To earn the Class 4 UL rating, a roofing material must withstand 2” hailstone, simulated with 2” steel balls, being dropped two times in the same place. 

Why Metal Roofing is Popular on Residential Properties

It is surprising to many how residential metal roofing has become one of the quickest growing innovations not only for remodeling and updating current homes, but with new builds too. More than 700,000 homes had metal roofing installed in 2015 and that number has only increased in the last six years, well into the double-digits. 

Three reasons why metal roofing has caught the attention of homeowners are: 

• Durability
• Exceptional protection
• Longevity

A metal roof isn’t just plain old metal anymore! It comes in a wide assortment of colors, finishes, and shapes. A metal roof on a home will add to the attractiveness of the architecture, and the best thing for a homeowner, with a life expectancy of a metal roof being 50 years or longer, you’ll probably never need a new roof again. 

Which metal roofing is best for residential use?

There are several different types of metal roofing materials to choose from with different factors to be considered in which is the best for your home. Among the choices in types of metal roofing materials are: 

• Aluminum
• Copper
• Galvalume
• Stainless Steel
• Zinc

With each home having some common aspects, each home has a unique appeal too, and it with that in mind you want to choose the metal roofing best for your home. The factors you should consider include: 

• Your budget vs the cost
• Material strength in regard to the climate, rainfall, snow, UV exposure, etc.
• The strength of the structure
• Energy Efficiency 
• Recyclable and Sustainability
• Maintenance and Upkeep
• Where the water will run off and come in contact with what materials
• Material Availability

What different types of metal roofing systems are available for residential properties?

If a metal roof is something that you’re interested in for your home, you may be overwhelmed at first with the different types of metal roofing materials available. A professional roofing contractor will be able to walk you through these different types and help you choose the best one for your home. So, what are the different metal roofing materials?

1. Aluminum – This lightweight metal roof material is excellent for the coast because it doesn’t corrode.
2. Copper – This metal roofing material is a very long-lasting metal that adds to a home’s character as the protective layer changes color to a beautiful patina. It is also the most expensive of all metal roofing materials.
3. Tin – Today, when a roofing contractor says “tin roof” they are typically referring to a steel roof. Actual tin is no longer used for metal roofs. 
4. Zinc – An expensive but very long-lasting metal roofing material, and like copper metal roofing, it will patina and change in color too.
5. Metal or Steel– This most common metal roofing type with different finishes.

What are some of the metal roof panel styles available? 

Here is a breakdown of the different metal roof panels styles of metal roofing to choose from:

Exposed Fastener Panels: A budget conscious metal roof panel type with exposed fasteners. Typically this type of metal roofing is installed over solid decking, meaning existing roofing will need to be torn off. It then attached with fasteners penetrating the metal panels and into the roofing structure.

 There are fewer metal roof panels with this type because of the panel widths of 36” wide. A cost-effective metal roof product with reliable performance and long life expectancy. 

Standing Seam System: The purest form of metal roofing, standing seam is a panel system consisting of female and male seams that are engaged together and installed with clips connecting them to the roofing substructure. There are options of clipless panels as well today that your roofing contractor can discuss with you. 

Specialty Roofing Panel Style: Specialty metal roofing panel system will give any home all of the benefits you’d expect from a metal roof without the traditional appearance of a metal roof in an exposed fastener seam style or the standing seam style. This metal roofing type mimics the more traditional roofing materials such as asphalt shingles, ceramic tile, shakes, or slate while maintaining the advantages of metal roofing.

With the stronger weather resistance in addition to the fire resistance, the higher cost of composite roof shingles balances out the higher cost. In addition to composite roof shingles are more environmentally friendly than asphalt shingles with the use of recycled materials to make them. 

How long do composite shingles last?

As mentioned earlier, composite roof shingles are becoming a popular choice because of durability and long lifespan. Other roof shingles, like asphalt shingles, have a lifespan of 20 years maximum on the average. Composite roof shingles are warrantied between 30 and for as long as 50 years, with some having a lifetime warranty. 

Can you paint composite shingles?

Yes, making sure you choose a premium quality, 100% acrylic latex that is durable in a flat finish. This type of paint will be algae and mildew resistant and won’t discolor or turn yellow with exposure to high temperatures of a roof. 

However, painted composite roof shingles will fade from the UV rays and require repainting every 5 to 7 years. Each time before the shingles are repainted, it will be necessary clean, repair, and apply a primer before painting. 

What are the longest-lasting roof shingles?

The National Association of Home Builders, (NAHB) gives slate roofing the mark for longest lasting roof material. Slate has a life expectancy of 150 or longer with clay and concrete roofing coming in second with a lifespan of 100 years. 

However, these three materials may not be the best solution for every home. Drawbacks of these roofing materials that should be factored in when choosing your next roofing material: 

1. COST:  Clay, concrete, and slate are premium roofing materials with premium prices. The upside to this is the long life expectancy and you most likely will never have to replace the roofing again in your life. 
2. WEIGHT: All three of these roofing materials are heavier than asphalt or composite roof shingles. With that in mind, if your roof doesn’t currently have this type of material, you’ll need to get an engineering report to make sure additional support isn’t needed.
3. AESTHTEICS:  With clay and concrete roofing tiles, there are limited color choices. Slate has various shade of gray to choose from, and while they can give any home an elegant appearance, it may not fit the neighborhood overall look. For the cost, the out-of-place look won’t help the resale value and could be a significant loss if you were to sell later.

What are the top-rated roofing shingles?

Choosing a roofing material is an important decision, this is a critical part of your home and needs to be able to withstand the climate and elements. For decades, asphalt roof shingles have been the number one choice and with the following three brands, the experts still give asphalt shingles a top rating, with composite roof shingles coming in close. 

• IKO: IKO roof shingles doesn’t have the best consumer rating, but that is an issue they are working on improving. However, while a decent roofing products, most roofing contractors will recommend going with one of the following brands. 
• Owens Corning: Owens Corning roof shingles are second in the roofing material market share. A high-quality roof shingles with great pricing. The company is known for their superior customer service and their product has a long life expectancy.  
• GAF: Probably the most popular brand in roofing materials that is consistent with a high-quality product, that withstands most weather elements. Consumers have complained about their warranty is a hassle to have honored, but with proper record keeping, professional installation and homeowner maintenance, warranty shouldn’t be needed. 

The top ten brands of asphalt roof shingles were determined to be: 

1. Atlas – The Pinnacle Pristine group
2. GAF-Elk – The Royal Sovereign group
3. CertainTeed – The XT 25 group
4. Atlas – The StormMaster Slate group
5. Tamko – The Heritage group

6. 7. and 8.Owens Corning – The Oakridge, Duration, and Berkshire Collections

 9. and 10. IKO – Crowne Slate Group and Cambridge Group

A growing trend for homeowners is to go back to “yesteryear” aesthetics with today’s energy efficiency and technology. Composite cedar wood shingles has proven to be that roofing product. Cedar roofing shakes were the choice throughout the colonial times and up until the 1980s. Asphalt shingle roofing came out and took over the roofing market as the most popular. 

Today, with environmentally friendly products a concern for more homeowners, composite roof shingles has started nudging asphalt roof shingles out of the market some. With their cedar wood composite roof shingles, it is gaining more of the market share today. Call 214-373-1500 today for your shingle installation in Dallas, TX.

• BUR (Built-Up Roof)
• EPDM Rubber
• Modified Bitumen
• PVC Single-Ply 
• Spray Polyurethane Foam

The biggest difference between EPDM and TPO roofing is the surface.  EPM roofing has a dark surface that absorbs heat. TPO roofing has a light color that reflets the sun’s UV rays.  With TPO roofing, cooling systems work less, putting less strain on the HVAC system and keeping the interior cooler in the summer. 

While that may not seem like a big factor to building owners in the far Northeast corner of the country, here in Texas and all through the south, it is a major concern.  For those Northern locate structure, the darker color of EPDM roofing is preferred since most of their weather is cold.  

However, EPDM roofing is more flexible, and important feature in areas where hailstorms are common.  Hailstones bounce off the synthetic rubber surface with little damage, if any, whereas with a TPO roofing can easily be punctured, leaving concentric circles that compromise the membrane’s integrity. 

Is TPO roofing fire resistant?

Not straight off the manufacturing line, no, TPO roofing is not fire resistant.  If the manufacturer adds fire retardant chemicals during the process of manufacturing TPO roofing membranes, it becomes fire resistant and passes for UL (Underwriters Laboratories) Class A fire resistance listing.

Is TPO waterproof?

When it comes to flat roofing materials, none of them are 100%, with each having advantages and disadvantages. You want to discuss these you’re your roofing contractor and get quotes for the one that will get you the most for your resources. This includes knowing what the downsides to any of the roofing materials may be, including TPO roofing, which includes possible leaks. 

While TPO roofing is durable, energy efficient, and flexible, if it isn’t installed correctly and maintained as it should be, then it can possibly develop leaks. Like any roofing, the installation workmanship and the maintenance and upkeep are essential in it providing the coverage and protection you need.

Can you walk on a TPO roof?

TPO roofing is durable enough for foot traffic, making it one of the recommended flat roofing material for rooftops that have a deck and seating area.  However, when it is icy, snow-covered, or wet, it is just as slippery as roofing material. 

What colors does TPO roofing come in?

The basic colors of TPO roofing are black, grey, and white. TPO roofing manufacturers can produce the roofing material is other colors upon request.  This can take longer to fulfill an order, which your roofing contractor should be able to relay that timeframe to you. 

Can you paint a TPO roof?

There are various methods where Thermoplastic olefins, aka, TPO roofing can be painted.  This will require the surface be thoroughly cleaned and any repairs completed if needed, then a primer be applied before the paint. 

How long does TPO roof last?

As we stated earlier, durability, leak-proof, and longevity of TPO roofing is dependent on installation workmanship and owner’s maintenance and upkeep.  A TPO roofing that is correctly installed, that has proper maintenance and upkeep will last up to 30 years. 

To answer the first question typical for anyone shopping for flat roofing material, “Is TPO roofing good?”, we offer the following benefits to help you decide: 

• TPO roofing is resistant to ozone and ultraviolet rays.
• TPO roofing is resistant to some chemicals.
• TPO roofing is fire resistant and naturally flexible.
• TPO roofing is an eco-friendly material that is easily recycled. 
• TPO roofing is less expensive than PVC roofing.
• TPO roofing is an Energy Star compliant material that provides energy savings.
• TPO roofing is resistant to dirt accumulation, mold growth, punctures, and tears.
• TPO roofing is better at reflecting solar heat than EPDM.

Want to get started on your TPO roofing in Dallas, TX? Eclat Roofing is always available to assist you. Call us today at 214-373-1500 for your next roofing project.

• Fully adhered.
• Mechanically attached.
• Ballasted – the process of sealing the seams with a liquid adhesive or a formulated tape.

Is EPDM plastic or rubber?

The material used for EPDM roofing is a M-Class rubber according to ASTM standard D-1418, industry guidelines. The M class consist of elastomers with a saturated chain of the polyethylene type, with the M developing from the further correct term polymethylene. 

For this article, we’ll be focused on this rubber material being used for EPDM roofing purpose, but there is a extensive range of other applications EPDM is used. Such as the rubber seal around the doors and windows of vehicles and the hoses under the hood of vehicles for the cooling system hoses. EPDM is also used in cold-rooms and as non-slip coatings for decks and playgrounds, along with many other applications. 

Is EPDM roofing any good?

EPDM roofing is an extremely durable material that is algae and moss resistant which minimized damage. Repairing EPDM roofing is easy and inexpensive, and because it is installed in large roll out sheets, there are few seams, meaning less possible leaking. 

 Let’s discuss the differences between epdm roof vs tpo roofing. TPO roofing systems has come on the commercial roofing scene and holds credit for as much as 50% of the single-ply roofing market. TPO roofing (Thermoplastic Polyolefin) is a single-ply roofing membrane consisting of synthetics and reinforcing scrim. 

TPO has energy efficiency regardless of the climate because it is light colored when the hot sun rays hit and turns dark when the weather is cold. It is a puncture resistant and can be installed adhesively, mechanically, or welded, even repairs can be welded. 

EPDM roofing advantages are some of the reasons it is the chosen flat roof material over TPO: 

• Inexpensive
• Lightweight
• Installed with adhesive, mechanically, or epdm roof with ballast, a popular choice.
• Durable
• Scratch and scuff resistant
• Works with adhesives, latex tape, liquid membrane and rubber shingles installed over it
• Strong resistant to UV rays
• Repairs easily with patches

Is EPDM better than felt?

EDPM roofing is the better choice over felt roofing for several reasons.

• EPMD is installed without hot torches or boiling tar, minimizing the risk of fire. Felt roofing is installed by bitumen boiler or torch. 
• EPDM roofing is seamless roof and less likely to have leaking joints. 
• EPDM roofing is durable, UV ray resistant, and has a 300% stretch before breaking, making it a watertight flat or low slope roofing material that is flexible in all weather conditions.  Felt roofing becomes brittle with UV ray exposure, cracks in cold weather, an absorbent material, it doesn’t drain well, creating ponding and possible leaks. 
• EPDM roofing is more expensive than felt roofing, but with a long lifespan, replacing the roof is years into the future where felt roofing will need frequent replacing. Felt roofing can develop a slow leak that goes unnoticed, creating structural damage until it is detected. 
• EPDM is nonporous, making it resistant to algae and moss, still looking as good at 20 years old as it did when installed. An exceptionally low impact to the environment because it has a long lifespan versus TPO roofing having to be replaced every few years, adding to the landfills. 

Can you put EPDM over felt?

With overboarding, yes, EPDM roofing can be installed over felt roofing with no problem. 

It is recommended that any repairs be completed, and any rot removed before installing EPDM roofing material.

With a ballast roof, like EPDM roofing, gravel is applied primarily to weight the EPDM roofing membrane down, especially if it wasn’t installed with an adhesive. Ballast stones for EPDM roofing are one to two inches thick and a generous amount is applied on a built-up roof. This minimizes roofing application costs because it is quicker than the crew sealing the seams together. Need help with an EPDM roof installation in Dallas, TX? Call 214-373-1500 today.