Will Ins Cover Metal Roof Over Shingles Problems

Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event.

Will ins cover metal roof over shingles problems.

But the extent to which insurance covers these damages depends on a few factors. As a matter of fact it could end up being a considerable headache if things go in the wrong direction. Things to know about metal over shingle roof problems. When a major storm is coming document the roof s condition before and after.

Or they may offer a claim settlement that is lower than you hoped. Every 2 3 years after they are 10 years old. Yearly once the roof is 5 years old. Age of roof and insurance.

Assuming your roof isn t in shambles a standard insurance policy covers the following roof damages. Both metal and shingle roofs are great options for your next roofing project. Adding more insulation during installation usually solves this problem but that may increase costs. Wood shingles and shakes.

Metal roofs can be noisy especially during a heavy rain or hailstorm. Most homeowners insurance policies won t pay to replace or. Every 2 3 years after they are 10 years old. Some insurers won t even cover your home if it has an older roof.

Every 2 years after 15 years. Metal roofs and composite shingles. After all you ll be making a significant and long term investment. 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.

Clay and concrete tiles. 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. If you have an asphalt shingle roof that is over 10 years old for example the likelihood of claim denial goes up. However you ll want to check with your local building department before you make any decisions.

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

With that mind many insurers view roofs as critical.