Will Ins Cover Metal Roof Over Shingles Problems

If you have an asphalt shingle roof that is over 10 years old for example the likelihood of claim denial goes up.

Will ins cover metal roof over shingles problems. Age of roof and insurance. When a major storm is coming document the roof s condition before and after. The problem with this is that as the metal heats up and expands or cools down and contracts it moves a little on the roof. Metal roofs can be noisy especially during a heavy rain or hailstorm.

Assuming your roof isn t in shambles a standard insurance policy covers the following roof damages. With that mind many insurers view roofs as critical. If you have a damaged roof you re likely going to have problems within your home that will lead to more claims. Clay and concrete tiles.

Things to know about metal over shingle roof problems. However you ll want to check with your local building department before you make any decisions. But the extent to which insurance covers these damages depends on a few factors. Yes you can install a metal roof over shingles.

Building officials in some areas will only allow a re roof over one layer of shingles while officials in other places may allow you to place the roof over two layers of shingles. Some insurers won t even cover your home if it has an older roof. Most homeowners insurance policies won t pay to replace or. Every 2 3 years after they are 10 years old.

Some people think that they can just install the metal roofing right over the old shingles roof without any barrier in between but this is highly not recommended. While the life of a metal roof is much longer investing in a metal roof only makes sense if you plan to stay in your home long enough to enjoy the cost benefits. Both metal and shingle roofs are great options for your next roofing project. Yearly once the roof is 5 years old.

Metal roofs and composite shingles. Wood shingles and shakes. Adding more insulation during installation usually solves this problem but that may increase costs. After all you ll be making a significant and long term investment.

Every 2 3 years after they are 10 years old. Although it is true that there have been metal roofs installed over existing shingles without any problems that doesn t mean that problems could not be on the horizon. As a matter of fact it could end up being a considerable headache if things go in the wrong direction. Every 2 years after 15 years.

If you are trying to decide between the two materials it s important to carefully look at the metal over shingle roof problems.