If you got a shocker from your insurance company, it might be time to think about doing some major work that you’ve been putting off. Even if your roof has not been taxed by a hurricane since you’ve lived in the house, there can still be enough wear and tear to make an insurance company give you a big hike in your homeowner’s premium. Once a home is classified as “older” that means that there’s a lot that can go wrong with some fairly big ticket systems such as plumbing, electrical, HVAC, and your roof.
Mitigation Pays
Mitigating potential wind damage hazards can trigger an average premium discount of $250. Roof replacement could be your best option for easing the impact of your insurance on your wallet, while helping to make your home more storm resistant. Yes, replacing your roof is a big job, but think about the job of replacing your house and everything you own in the aftermath of a major weather event. By establishing a continuous load path, and making your roof stronger and more water resistant, you are actually in the position of stopping a huge expenditure before it can happen.
Roof Lifespans
When should you replace your roof? That can be tricky. Start with finding out the age of your roof, and how old it was when you bought the house, or pull out the paperwork from the last time you had a new roof put on. The effective lifespans of materials are what make or break the decision here. Regular three-tab asphalt shingles can last 15 to 18 years in ideal conditions, while architectural asphalt shingles can last as long as 30 years. Concrete tile can last up to 50 years, and metal roofs about the same. Built-up bitumen roofs have as short a lifespan as 10 years, so it’s important to consider these factors before deciding on roof replacement.
Consulting with an experienced and Florida licensed roofing contractor in Jacksonville will help you to get a better handle on the condition of your roof and the improvements that you should make. Once you have your permits, the job can take some time and disruption, but afterward you will be surprised at how much safer and more secure your home will feel, and how soon the job can pay for itself in savings on energy use and insurance premiums.
If you’re looking at a roof replacement in Jacksonville, remember that a licensed roofing contractor is your best bet!
