9 Materials Included With Your Roof Replacement
- Roof decking. Decking is the wooden boards that make up the framing of your roof.
- Roof flashing.
- Drip edge.
- Ice and water shield.
- Asphalt shingles.
- Ridge capping.
- Roof vents.
- 1 What is the Florida law for roof replacement?
- 2 Do gutters get replaced with roof?
- 3 Can you insure a 25 year old roof in Florida?
- 4 How long does it take to put a new roof on?
- 5 Should I replace my roof or my gutters first?
- 6 Do gutters go under shingles?
What is the Florida law for roof replacement?
Not the First Set of Legislation – These recent legislative actions are hardly the first changes to roof requirements for homeowners insurance in Florida. In fact, in July 2021, a new law was introduced to cut down on fraudulent roof replacement claims.
Essentially, the concern for insurers was that roofers would go door to door after a storm and convince customers to file a claim for a complete roof replacement, even when it wasn’t necessary. The 2021 legislation prohibited roofers from door-to-door marketing, and from incentivizing homeowners to submit for a roof replacement.
The law also updated claim requirements for property owners. Roof-related claims (including supplemental and reopened claims) must be submitted within two years. If the homeowner decides to file a lawsuit against their insurer, they must submit a written notice 60 days in advance.
The 2021 law also changed the roof coverage options available to homeowners. As Chris Gray for Roofing Contractor magazine writes, “The bill allows property insurers to only offer homeowner’s policies that adjust roof claims to actual cash value if the roof is older than 10 years. The bill also allows property insurers to offer homeowners the option of purchasing a stated value limit for roof coverage.
The bill will make it so insurers use a ‘roof surface reimbursement schedule’ to sell policies that provide reduced payments for roofs that are 10 years and older. The schedule must provide for full replacement coverage for any roof surface type less than 10 years old.” The roof surface reimbursement schedule provides minimum reimbursement amounts for re-pairs for older roofs, with the amount varying based on the type of roof used on the property.
For example, while metal roofs have a reimbursement amount of 70 percent, that amount drops to 40 percent for concrete and clay tiles, as well as wood shakes and shingles. All other roof types have a minimum reimbursement amount of 25 percent. This change was designed to lower home insurance rates, but at the same time, it also meant that property owners would be responsible for more of the repair costs if their home had a roof that was more than 10 years old.
However, insurers were still required to provide full replacement coverage for roofs less than 10 years old. And for older roofs, when a total loss occurred due to a “covered peril,” the roof sur-face reimbursement schedule would not apply, helping to mitigate the cost of a total loss.
Do gutters get replaced with roof?
Do your gutters need to be removed during a roof replacement? – Most customers usually replace their gutters when they replace their roof. However, if your gutters are fairly new or the material’s integrity is holding strong, you probably aren’t replacing them during your roof replacement.
With that in mind, your roofing contractor shouldn’t remove the gutters during your roof replacement. Even when you need your gutters replaced, they shouldn’t be removed until after your new roof is installed and the roofers are gone. Instead of removing them, your roofing contractor should take all proper precautions to protect your gutters during the roof replacement process,
This means they’ll cover them up, won’t lean ladders on them, and everything else possible not to damage them as they work. After your roof replacement, they’ll even blow everything out and clean your gutters whether they’re going to be replaced or not.
Do you have to replace your roof every 15 years in Florida?
The 30 Year Shingle Myth – We have Buyers and Realtors calling us saying that the seller put on a 30 Year Shingle Roof. The money the seller paid for that roof may be warrantied for 30 years in northern states, but here in Florida that 30 Year Shingle Roof still must be replaced by the 15-year mark!
Is a new roof tax deductible in Florida?
January 18, 2021 Is a new roof tax deductible? It depends. A residential roof replacement is not tax deductible, because the federal government considers it to be a home improvement, which is not a tax deductible expense. However, installing a new roof on a commercial property or rental property is eligible for a tax deduction.
Can you insure a 25 year old roof in Florida?
TAMPA, Fla. — It’s almost been one month since new state legislation went into effect from a special session to address problems plaguing Florida’s property insurance industry, but now, insurance agents are seeing some companies change policies to get around the new regulations.
- For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age.
- They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.
- However, Michelle Mosher, agent and owner of Southshore Insurance Professionals, tells us that she’s seen new stipulations since July 1.
“Now I have a company who will take your roof if it’s over 15 years old, but it has to have a secondary water resistance layer as part of the wind mitigation, and if it doesn’t, it’s not acceptable. So if you didn’t do that 15 years ago, when you got your roof, you can’t go to them as an option,” Mosher explained.
RECOMMENDED: 40+ companies file homeowners insurance rate decreases in order to use Florida’s reinsurance assistance funds In addition to that, Mosher and other agents confirm that about five companies are now not accepting older homes in general. We’re told one company is only taking homes less than a year old.
“So they may not be able to not take you because of the age of the roof, but they can put other stipulations on it, and that’s what we’re seeing, or they’ve changed their guidelines to just not allow a home that’s over 15 years old,’ Mosher said. She’s owned Southshore Insurance Professionals for eight years and has about 800 policies, but she can no longer accept new business because they’re too busy re-writing their current clients who’ve either been dropped or their carriers have gone into receivership.
Somebody might have a 15-year-old roof, and they’re being non-renewed. It’s hard to get them a new policy until they get a new roof, but they’ve got 25 days to do that it’s darn near impossible for that to be able to happen,” Mosher explained. “Those who are not getting dropped are seeing rate increases of 80, 90, 112%.” Suzette Bertini is not a client of Mosher’s, but she is a Tampa resident experiencing the shocking rate increases.
Her property insurance has gone up by nearly $7,000 since she bought her home in 2015. RECOMMENDED: Florida homeowners pay nearly 3x national average for homeowners insurance ” We’re like okay, we just might have to leave. This is hideous. I’m paying a grand a month for increases to insurance,” Bertini told ABC Action News in a phone interview. WFTS Suzette Bertini’s home Olympus is her insurance carrier. In 2015, her premium was $1,897. In 2020 it went to $2,517; then in 2021 it went to $4,687. This year her renewal is $9,031. ” I almost thought I was gonna have a heart attack when I open that bill Holy crap! $9,000 from $4,500?!” Bertini exclaimed. WFTS She actually considers herself one of the lucky ones because her roof is 20 years old, and her insurance never sent a non-renewal notice. “No one has told me anything but a new roof,” she said. “I somehow got through it unscathed as far as a bad roof or denied coverage for an old roof.” But homeowners should know that rate increases aren’t just because of the number of lawsuits insurance companies are dealing with; they also have to adjust policies to cover inflation costs.
- RECOMMENDED: At least 1 Florida property insurance company unable to secure reinsurance by mid-June ” Building materials are more expensive.
- Labor is more expensive, it’s harder to get things done, and if they have a total loss, the coverage they had last year isn’t going to build their home back this year,” Mosher explained.
Even if a policy has an inflation guard, she explains that it’s not enough. ” We get emails from carriers all the time, even at just renewal, that they have 4% inflation writer,” she said. The good news is that since special session laws went into effect July 1, agents are also seeing companies change replacement cost value on roofs to actual cost value, which insurance companies say will be a saving grace.
- For now, those who need new insurance should go through an agent who understands the age of their home and roof.
- You may be eligible for a roof certification waiver which means an inspection could buy you more time with an older roof.
- Some carriers are also now allowed to offer separate roof deductibles on premiums, which may be an option to keep your overall rate lower.
For Floridians, it’s a matter of hanging on. The real effects of the new legislation will take 18 months to a few years to see. ” We won’t be here that long,” Bertini expressed. “We have planned to retire here. But if this doesn’t resolve itself, and I’ve already heard of other people moving, we’ll be right behind them all.” We reached out to Olympus asking for the specific reason behind Bertini’s rate increase, but we have not heard back.
You installed a new roof, or you have a hip roofYou added wind mitigation upgrades like storm shutters or reinforced garage doorsYou updated your electrical or plumbing systemsYou implemented a new security system You added a pool and pool enclosure to your home”
Olympus Insurance also lists advice for new homeowners to keep premiums lower.1. Location of the Home in Florida If you choose a home in a gated community, your risk for a break-in goes way down, and your homeowners’ insurance premium can benefit as well.
- You can get a credit for living in an area with heightened security.2.
- The Age of the House How old your home is can impact your premiums.
- The newer the home, the better off you’ll be.
- Newer homes are built to higher standards than older ones, and are considered to be more capable of withstanding high winds and driving rain.3.
Features of the Home & Property If your roof is at least a certain percentage “hip”, meaning that it doesn’t overhang the top frame of your house, you can get another credit. An even partially hip roof can significantly reduce the chance of it being ripped off in a hurricane or high wind situation.4.
Materials Used To Build the Home A home that has wind mitigation features, like storm shutters and shatter resistant glass, can put up a strong defense against Florida storm season. Ask about these features when looking at new homes, and take their presence into account when considering a home with a few years on it.5.
Intelligence: Is it a Smart Home? A “smart” home can also get you one or more credits on your homeowners insurance. Look for installations like a security system that gives you remote access, or water sensors that can send alerts about a potential leak to your smartphone.
Tampa Bay remains Florida homebuyer’s most sought-after destination Tampa Bay area realtors are fed up with people posting their homes for rent Florida residents struggle to pay rising electric bills Home insurance groups continue to drop Florida policies as lawsuits, scams spiral out of control
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How long does it take to put a new roof on?
How long does it take to replace your roof? – Before we get into how a contractor determines how long it’ll take to replace your roof, I want to go ahead and tell you how long a roof replacement can take. Remember every roof is different so the timeline for every replacement is going to be different. In general, the roof of an average residence (3,000 square feet or less) can be replaced in a day, In extreme cases, it could take three to five days. Depending on the weather, complexity, and accessibility of your home it could even take up to three weeks. But unless it’s a large home, a roof can typically be replaced in a day.
Should I replace 20 year old gutters?
STATEN ISLAND, N.Y. – Gutters play a significant role in protecting your home by diverting water and melting snow away from it. When your gutters are secure and functioning properly, water efficiently flows through a drainage system, directing it away from your home and out of harm’s way.
When your gutters are damaged, filled with leaves or disconnected from the downspout, water will cascade erratically from the eaves of your roof, causing erosion in the ground below, puddling around your foundation, and worse, cause ice damming. How often you replace your gutters varies based on the weather conditions in your region, however, routine maintenance can extend their lifespan.
Typically, galvanized steel or aluminum gutters have an average life expectancy of 20 years, while copper gutters can last as long as 50 years. By inspecting and cleaning your gutters twice a year you should be able to identify any issues before they turn into major problems.
- When replacing your roof, it is a good time to consider replacing your gutters and leaders, as having both done at the same time can often provide an overall savings.
- There are a few signs that your gutters need to be replaced: 1.
- Problems with your home’s foundation.
- Gutters that are clogged or leaking water towards your foundation instead of directing water away from it could cause cracks in your foundation.2.
Water is leaking into your basement. Clogged, damaged, or worn gutters are main reasons for basement leaks.3. Mold in your basement. Leaky gutters create moisture in your basement, which leads to mold growth.4. The paint on your home is peeling, wood is corroding in areas behind the gutter, or you’re seeing rust stains on your home.
- This is caused by gutter water back splashing or overflowing and running down the back of the gutter along the exterior of your home.
- Your gutters could be worn, misaligned or clogged.5.
- You’re finding nails or broken fasteners on the ground, which have fallen from loose gutters.6.
- Water channels are forming in your landscaping or parts of your landscaping are washing out or eroding.
These are signs your gutters are not performing properly.7. Gutters are sagging, pulling away from your home, hanging down or leaning more towards the front instead of being level, or seamed gutters are loose or pulling apart at the seams and are too worn to be reattached.8.
Your gutters are bent, dented, or have holes or cracks in them beyond repair.9. Standing water in your gutters. This is a sure sign of non-performing gutters.10. You can see gaps either between gutter connections or between the gutters and the fascia boards to which they are attached. The spring and fall seasons are the best times to have your gutters cleaned and inspected.
A professional inspection company will look for wear and tear, evaluate its alignment, assess whether your gutter system is working properly, and clean your gutters and downspouts. If you clean your gutters today and blow the leaves off your patio or yard, the next time you see leaves out there, there will also be leaves in the gutters.
- If you have determined it is time to replace your gutters, invest in an adequate system.
- When interviewing potential contractors, make sure they are licensed and insured, and ask for references from homeowners that have recently worked with the contractor.
- It is also important that you have a contract, which includes the warranty and a payment schedule.
Never pay for a job in advance of the services being provided. As far as the installation goes, there are some standard practices that should be followed by the contractor. The gutter supports should be two feet apart, and the back of the gutter should be behind the roof flashing so that water doesn’t leak between the gutter and the fascia board.
- It is also a good practice to use oversized downspouts so they can hold the weight when there are heavy downpours or a lot of melting snow.
- Excess weight can cause gutters to sag, pull away from the house, or become bent.
- Oversized downspouts drain much faster and don’t clog as easily.
- Some worry about the appearance of larger downspouts, but standard downspouts are two inches by three inches, and oversized downspouts are three inches by four inches.
They’re only an inch wider each way, but it doubles the capacity. If trees surround your home, you may want to consider leaf protection. A leaf guard or screen can help cut your maintenance down to a minimum. Look for screens that have a no-clog warranty.
There are also solid-top leaf guards. Those have a curved bullnose, so when the water reaches that nose, it will actually wrap around due to surface tension and go into the opening, while the debris falls to the ground. Hardly anybody buys sectional gutters anymore. With seamless gutters, your only leak potentials are in the corners, but with sectionals, you have more leak potential.
Also, it’s a little more time consuming to install sectionals. Aluminum gutters come in a wide variety of colors. It is rare not to find a workable match for your home. Fortunately, these gutters can also be painted over if you change the color of your house.
When designing your draining system, a professional will determine where the downspouts go, but typically, they are placed at the outside corners of the house. It’s also recommended that an additional downspout be placed in the middle of long runs. There are times when a splash block is used on a guttery system.
It’s only function is to break the impact of water coming out of an elbow at the base of a downspout. If you have a bordered flower bed or some other reason to get that water further away, then typically you would install a downspout extension. Most routing can be done with downspout extensions, but properties that are really flat or that slope back toward the house may require underground drainage.
Should I replace my roof or my gutters first?
Homeowners looking to remodel or design the exterior of their new homes know just how stressful the process can be. It can be difficult to decide which project to tackle first – siding, roofing, windows, or gutters. While there is no perfect way to approach exterior remodeling, when it comes to gutters versus roofing, your best bet is usually to go with a new roof first.
There are several reasons to have a new roof installed before your new gutters, but the main reason is that gutters typically have to be uninstalled before a new roof can be placed on your home, especially when the gutters are attached to your roof. This not only lengthens the installation process, but it also puts your new gutter system at risk of being damaged during uninstallation and reinstallation.
Repairs and re-painting your gutters can be an expensive headache as well. While it is usually best to have a new gutter system installed after your roof, sometimes this is not possible. If your gutters are damaged or ineffective, you may have no other choice but to have them installed before your new roofing system.
In this case, it is best to have protection built in to the contract with the contractor so that your gutters are protected. Unlike some traditional sectional gutters with attached gutter guards, the BELDON® LeafGuard gutter protection system does not need to be attached to the roof. In fact, this one-piece seamless gutters system can be installed to your home’s fascia to help eliminate the problem of having to decide whether to have new gutters installed before or after your new roof.
Plus, this system is the only one on the market that is guaranteed to remain clog-free. For more information, contact us today. This entry was posted in Gutters, Bookmark the permalink,
Do gutters go under shingles?
Should gutter guards be installed under shingles? – In most cases, you don’t want to install your gutter guards underneath the shingles on your roof. Why? The shingles are there to protect your roof and help prevent water from entering into your home when it rains.
What are the typical components of the roof structure?
2. Roof Structure – The roof structure consists of rafters, trusses, and other supporting elements. The roof structure is the skeleton or framework that gives a roof its strength and shape. There are three main types of roofing structures:
Hip Design: This type of roof has a slope on all sides. Gable: Two slopes that meet at the roof’s peak to form a ridge. Flat: Low pitch, generally used for businesses.