North Texas has already seen a couple of hail storms this season. By the looks of it and the winter we just had. We can only guess what is to come.
You want to ensure the roof on your home lasts as long as possible. Performing basic maintenance can prolong the life of your roof and help you avoid the cost of a new roof for much longer.
Replace Roof Shingles
If your roof has missing or damaged shingles, they should be replaced rapidly. Rain, snow, wind, or in Texas, the summer heat can cause damage. Perform a full check of your roof every year or after a heavy storm, and have a professional replace any damaged shingles. Make sure you use a trusted roofer.
Trim Trees and Branches
If your home is shaded by trees, ensure no branches are hanging over the roof itself. Dropping leaves will collect and hold water, as well as damage the roof. A large, overhanging branch is an accident waiting to happen. Paying a tree trimmer will cost far less than replacing an area of 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 cleaned thoroughly so the water can drain easily and water damage to your home in a heavy rainstorm can be avoided.
Get Rid of Pests
You may need to get rid of pests that have made a home in your roof or attic, such as rats, squirrels, and mice. These rodents chew on anything, including wood, roof tiles, and electrical wires. They can enter the attic, make a home, and then raise a family! Call a local trusted roof contractor to close any access points that could allow pests to enter, as well as an exterminator if needed.
Wash Your Roof
While you want your roof to be clean, pressure washing is a no-no. The flow of the water is much too powerful and can loosen the granules on the shingle coating. If your roof tends to develop algae, a washing mixture with a bleach mixture works. There are lots of YouTube videos on this.
Does Homeowners Insurance Cover Roof Damage?
Your homeowners insurance covers only specific perils. 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 exclusions. If you need help, The Goff Insurance Group can assist you. Homeowners insurance does not cover roof damage due to a lack of maintenance or the result of normal wear and tear.
Do You Have the Right Homeowners Insurance Policy?
It is well worth ensuring you have the level of coverage you need to protect your roof and your entire home. Very few people find it easy to read the legal language in a homeowners insurance policy. Many companies have switched to a depreciated value on your roof. Many have also increased your wind and hail deductible to 2%. They do send a notification, but it often goes missed. If you have any questions about your homeowners’ insurance, whether cost, coverage, or your options, The Goff Insurance Group is here to help. We will evaluate the homeowners insurance policies on the market to help you find the best coverage at the lowest rate. CLICK HERE for a quote.