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Tips for maintaining your roof

You want to make sure that the roof of your home lasts as long as possible. Performing basic maintenance can extend the life of the roof and help you avoid the cost of a new roof much longer.

Replace shingles

If your roof is missing or damaged shingles, they should be replaced quickly. Rain, snow, wind or even very dry, hot weather can cause damage. Perform a complete inspection of your roof every year or after a severe storm, and have a professional replace damaged shingles.

Trim Trees and Branches

If your home is shaded by trees, make sure no branches hang over the roof itself. Dropping leaves collect and hold water and damage the roof. A large, overhanging branch is an accident waiting to happen. Paying for a tree trimmer costs much less than replacing an area on the roof.

Clean your gutters

If your gutters are filled with leaves and debris, the water will accumulate and enter the structure. Your gutters must be thoroughly cleaned so that the water can easily drain off and water damage to your home in a heavy rainstorm can be avoided.

Invest in insulation and avoid ice

Long icicles may look attractive on holiday cards but will damage your roof. An ice pond can form along the roof edge and prevent water from running out. When the water backs up behind the ice, it enters the walls and can damage the roof and insulation and lead to mold growth. Ice dams are caused by insufficient insulation. Invest in replacing or adding insulation to prevent heat from leaking out.

Get rid of pests

You may need to get rid of pests that have made a home in your roof, such as rats, squirrels and mice. These rodents chew on anything, including wood, roof tiles and electrical wiring. They can get in the attic, create a home and then start a family! Call a local roofing contractor to close any access points that could allow pests to enter, as well as an exterminator if needed.

Washing your roof

While you want your roof to be clean, pressurized water is a no-no. The water flow is far too strong and can loosen the granules on the single coating. If your roof tends to develop algae, a detergent mixture works with a bleach mixture.

Does Homeowner Insurance Cover Roof Damage?

Your homeowners insurance only covers specific hazards. If your roof was damaged by rain, fire, hail or wind, it is covered by your policy in most cases. The first step is to review the terms of your policy and read the exceptions. If you need help, our friendly agent can help you. Homeowners' insurance does not cover roof damage due to lack of maintenance or the result of normal wear and tear.

Do You Have the Right Homeowners Insurance?

It is well worth making sure you have the level of coverage you need to protect your roof and your entire home. There are very few people who find it easy to read the legal language of a homeowner. If you have any questions about your homeowners' insurance, about cost, coverage or your options, our friendly insurance agents are here to help. We will evaluate household insurance on the market to help you find the best coverage at the lowest price.

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