Tackling a roof replacement may seem like an overwhelming task but at Schultz Roofing & Repair we do this every day. We are roof replacement specialists and can help you make light work of replacing the most important part of your home or office building. While replacing your roof may not be that exciting, not replacing your roof in a timely manner could pose bigger problems further down the road.
Roof Replacement Options
When replacing your roof, understanding your roof replacement options and the cost associated with each is an important step in the process. Some things to consider before choosing a roof replacement is architectural control covenants in your neighborhood, the shape of your roof, and the style of your home. Regardless of the type of roof you have or want, we have the knowledge and experience to help you understand your roof replacement options. Our expertise includes:
- Composite Asphalt Shingles
- Clay Tile
- Concrete Tile
- Composite Tile
- Wood Shake
- Metal Roofs
- Flat Roofs
Within each one of these categories there are numerous options that affect price and longevity. To determine the best option for your roof, call us. We are happy to answer all of your questions.
4 Steps to Replacing Your Roof with Homeowners Insurance
If you think that your roof has been damaged and needs to be replaced there are four steps to replacing your roof with your homeowner’s insurance.
- Call us for a FREE roof inspection. We will tell you the extent of damage.
- If your roof has damage, the next step is to File an insurance claim.
- We'll inspect the roof with the insurance adjuster. The insurance adjuster works for the insurance company. They are looking for reasons to not replace your roof. We work on your behalf to point out things they miss to make sure you get maximum reimbursement.
- Once we’ve worked out the details with the insurance company, you’ll pick out your roof color and we’ll get started on the install.
Will Insurance Pay for a New Roof?
Many homeowners ask, “Will insurance will pay for a new roof? The answer is it depends. Most homeowner’s insurance policies will cover roof replacement for damage caused by wind, hail, tornados, and other disasters such as fire or a tree falling on your roof. The amount they pay toward the repair or replacement, though, will depend upon your individual insurance policy, the age of the roof and when the damage occurred.
Some policies will cover the total replacement. Some may only reimburse for the depreciated value. For instance, if your roof is over 10 years old, let’s say it is 15 years old. It is no longer brand new, so they won’t give you the full value for a new roof. They may give you half based on the fact that your roof is at half its anticipated life span. The only way to know for sure is to read your policy or call your insurance company.
How Much Hail Damage is Needed to Replace a Roof?
For total roof replacement, many insurance companies expect eight or more hits on the roof within a 10sf x 10sf “square” on at least three sides of the roof. When we inspect the roof, we will use chalk to outline the hail hits to document the damage. If the damage is not that extensive, the insurance company may still pay for repair to the areas that have been damaged by hail.
Getting Started on Your Roof Replacement - Get a FREE Price Quote
Regardless of whether you are going through insurance or replacing your roof on your dime, we look forward to the opportunity to work with you. To get started, request your FREE Price Quote today. We’ll explain all your options and help you choose the right product for your budget and your home. Call us today at 970.286.3014 or fill out our convenient form.