What to Expect During Your Utah Roof Repair or Replacement

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When your roof is damaged, your entire house is in jeopardy because water damage from leaks and rot can seep down into the walls, further compromising the structural integrity of your home. But how do you know you need roof repairs or installation of a new one? 

By understanding the signs of a damaged roof and knowing what to do and expect from the repairing and installation process, you can take proactive steps to protect your home and family.

Signs of Roof Damage

Whether you’ve lived in your home for years or you recently purchased a new house, it is important to know the signs of a bad roof. Damage can creep in at any point, regardless of it being a new or older roof, especially if you live in an area like Utah where wind, rain, and snow storms are strong and fast.

Roof Age

The average roof has a life expectancy of about 25 to 50 years, depending on the area's climate and the materials the roof is made of. In Utah, the snow and severe weather cuts the lifespan of your roof to 20-30 years, which can be shortened or lengthened depending on how well you take care of it. A good rule of thumb is if your roof is 20 years old, replace it.

Damaged or Missing Shingles

Depending on the materials, the shingles may begin to curl and peel upward or crack when damaged. Sometimes, they may be missing altogether. You should check your roof regularly, especially after storms. If you notice only a few shingles are missing or damaged, it is likely safe just to replace those few. This maintenance will keep your roof healthier longer, and the repair costs will be lower.

However, if cracks occur frequently or you notice large sections of damaged or missing shingles, an entire roof replacement may be necessary.

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Leaks, Water Spots, and Plant Growth

Plants such as moss and algae can grow on or under your roof in shaded, cool, and damp areas. These are signs that your roof may have water damage. Other signs, such as leaks in the attic or water spots on the ceiling or walls, should be taken seriously because the structural integrity of your roof has already been compromised. If you spot any of these signs, call a roofer immediately to get a roof replacement as soon as possible.

Insurance Coverage

Because the roof is the most important part of the home, you should ensure you have the proper coverage under your homeowner's insurance. Insurance policies typically cover damage caused by fire, falling objects, hail, smoke, lightning, wind, vandalism, and the weight of ice and snow. The type and amount of coverage can vary depending on the materials the roof is made of and the age of the roof.

Damage from lack of maintenance, earthquakes, floods, and general wear and tear are not usually covered. However, flood or earthquake insurance may be available to add to your current policy.

Making a Claim

If you suspect your roof has been damaged, before making an insurance claim, review your policy to determine exactly what you do and do not have coverage for, and then assess the damage. Take pictures and make sure you understand the scope of the damage so you can explain it to the insurer, but avoid doing anything dangerous like walking on the roof. Be safe and get as much information as you can.

After you call your insurance provider, they will send an adjuster to inspect the damage. 

Tip: Even before you make the call, you may want to take measures to protect your roof from further damage, as your policy may not cover these damages. If, for example, part of your roof was ripped off during a tornado or strong windstorm, covering the damaged area with a tarp can help protect it from mold or water damage caused by exposure to the elements.

Getting Quotes

Once you get a quote from the adjuster and your claim has been approved, research trusted roofing companies in your area and start collecting repair estimates. Do not simply rely on the adjuster's quote, and don't let your insurance company boss you around. Take action, and remember, you are entitled to fair trade pricing. Get a written estimate for the repair on a roofing company's letterhead with their contact information and send it to your insurance provider.

What to Expect Before, During, and After Repair

Before repair work can start, you'll need to select the right material for your roof replacement or repair. If you are only repairing a portion of your roof, choose materials that best match what you already have to prevent your roof from looking patchy and discolored, the roofing company can help you with this. If you are doing a complete replacement, consider your budget and find the shingles that will provide the needed protection and durability while improving your home's curb appeal.

During the repair, it will be noisy, and the roofers will be causing a lot of foot traffic. The average replacement process takes about one to twelve days to complete. You can stay in the home throughout the repair, but bear in mind that there are likely to be many annoyances you will have to endure. Be sure to keep all this in mind when selecting a date. 

After the repair, inspect your roof again to ensure the repair or replacement was done properly, and take new pictures. Keep these pictures on file for reference later. You'll always want to inspect and perform regular maintenance after several months have passed to keep your roof in good condition.

Conclusion

A well-maintained roof is the cornerstone of your home's overall integrity and value. Be vigilant and take action when the signs of roof damage and age begin to show. Warning signs should never be ignored. Regular maintenance can help you spot them early on. When damage does occur due to storms, fires, or falling objects, you'll be prepared to work with your insurance company and a professional roofing company to tackle the repair or replacement with confidence to ensure your home remains protected for years to come.