Over the past 2 summers, we have had many clients hit with hail. Whether you are replacing your roof due to a claim or paying out of pocket to upgrade an old roof, there are a few things to think about.
For a claim, the insurance company will pay to replace the roof with material of the same kind and quality. However, you can choose to upgrade to a better roof and pay the difference out of pocket. Some people upgrade for the curb appeal while others want a higher qualify roof. Someone with an asphalt shingle roof may decide they like the look of tiles instead. Another person may decide that they are tired of repeated hail damage and want to choose something that holds up better.
There are so many choices out there, so we won’t pretend to know each of them, but we want to point out a few of the options. Please consult with a qualified roofer to determine the best option for your home.
These are the most common residential roofs and tend to be the least expensive option, but that doesn’t mean they are low quality. Asphalt shingles come in a wide range of quality options, including hail resistant. When pricing this option, be sure to ask for a quote for a shingle with a “Class 4” rating. This rating was developed by Underwriters Laboratories (UL) and rates the roof based on its ability to withstand hailstone strikes. No roof is completely hail-resistant, but some hold up better than others. If your roof has a “Class 4” rating, the roofer will provide you with documentation stating this. Forward a copy of that to our office as some companies will give you a discount.
One of the biggest benefits of a tile roof is in the appearance. They can change the whole look of the home and pair well with certain home styles. They also are fire retardant. However, they may not be as durable.
Metal roofs tend to be very durable and fire retardant. They offer a classic look on many mountain homes, but don’t necessarily work with the architecture in the city or suburbs. However, with stone-coated steel, the metal can be made to look like slate, tile or shake with the durability of metal roofing material.
New roofing options continue to be developed and available on the market. The latest one we have heard about is a polymer option similar to composite decking materials. These can be molded to look like any number of other roofing materials, but with both hail & fire resistance.
Whatever you decide, please be sure to notify our agency when your roof has been replaced. Simply having a new roof tends to lower your premium as newer roofs hold up better than ones that have been in place for years. Let us know what material you chose and if the roof has a Class 4 UL rating. If so, we will ask for a certificate or other documentation from the roofer showing this.
We are always available to answer your questions or refer you to a qualify roofer, if needed.