Living Prepared

13
Nov

What type of roof is right for your home?

Choosing the right roof for your home can be a difficult task with all of the different types and varieties out there. The climate in Florida affects how long your roof lasts before it will need replacement. Below are some comparisons of the most popular types of roofing in Florida to help you be more informed when deciding.

Asphalt Shingles - durable and relatively inexpensive. Wide variety of colors and easy to install. Provides reliable waterproofing but their life span, on average, is significantly less than the others. Although shingles provide a 25-year warranty, the climate in Florida lowers the life expectancy of a 3-tab shingle roof to approximately 10-12 years. However, architectural shingles can last up to 20 years.

Ceramic/Barrel Tiles - very durable and last approximately 25-30 years. They are heavy, expensive and difficult to install.

Metal - different variety of styles and colors. Long lasting and energy-efficient. The initial cost can be hefty but with less maintenance and a longer life span, it can be a valuable investment. The average life expectancy of a metal roof is approximately 30+ years.

Here is a helpful chart:

chart 3Here are a few tips if you have roof damage and need to file a claim!

  • Take Photos of the Damage – Make sure to take photos to show your insurance company how much damage there is. If you feel that it isn’t safe to get on the roof to take pictures, call a professional roofer to come take the pictures for you.
  • File a Claim – Call your insurance company right away and find out what your policy covers. Delaying to file a claim may cause additional damage to your home and could compromise coverage under your policy.
  • Find a Roofing Company with Insurance experience – research or ask your insurance company for a reputable roofing company in your area. Choosing a contractor is vital to protect yourself from possible scams. Don’t be a victim of Assignment of Benefits
  • Relax! – Roof damage can be a stressful thing to go through. Your insurance company will guide you through the process.

Want to save 20% on your non-hurricane (All Other Perils) deductible? Learn more about our Concierge Claims Program with a local agent today!

 

Be Protected. Get Prepared.