Is replacing a roof covered by homeowner insurance?
Roofing insurance is part of your homeowner’s insurance and covers your roof in cases where it is damaged to the point that it needs major repair or even replacement. Furthermore, roof damage caused by general weather incidents such as hail, wind, and rain is often covered by your home insurance policy.
What are my options if deciding to re-roof?
There are two options: Full roof replacement or re-cover of the existing roof.
What is a complete roof replacement?
When a complete roof replacement is required, your entire existing roof system must be redone. This involves a roof tear off – it is more expensive than other our other option, such as roof recover. However, if there are damaged wood problems, they can be detected and resolved which will save you money in the long run.
What is roof recover?
Roof recover involves only the installation of a new roof system, on top of the existing one. However, due to building code in California roof re-cover can only be done when the roof has only one single layer. It helps save money on old roof removal labor cost and dump fees, but some of the disadvantages might be not resolving any bad wood problems in the deck, and it could result in less material durability, due to more heat trapped between the multiple layers.
What is a cool roof?
A cool roof is a roofing system that delivers higher solar reflectance (the ability to reflect the visible, infrared and ultraviolet wavelengths of the sun, reducing heat transfer to the building) and higher thermal emittance (the ability to radiate absorbed, or non-reflected solar energy) than standard designed roofing products.
What are the benefits of a cool roof?
Cool roofs absorb less sunlight and therefore heat up less on a sunny day, which reduces the transfer of heat into the top floor of buildings and lowers indoor air temperatures. Lower indoor air temperatures translate to energy and cost savings by reducing the need for air conditioning. Over time the sun can cause damage to the roof, but by deflecting the rays, your roof will deteriorate slower, cutting down on maintenance and replacement costs. Plus, the most effective cool roofing materials are already at the top-of-the-line for life expectancy. Cool roof installation is eligible for tax return credit.
Who is responsible if the roof leaks while work is getting done?
Make sure it is stated in the contract that the roofing contractor is liable for any damages in case of bad weather.