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Shingle All the Way: Roof 101

Let’s be honest; roofs are great.

snow on roof the home insurance people

With so many different colors and styles, such as asphalt shingles, wood shakes, and metal tiles, these beloved home hats are not only the source of a good pun but also protect us and our property from the elements and damage. However, much like a good pun, there will come a time to retire your roof. The only question is, when?

Beyond the impact of natural disasters, other factors such as weather, geography, pitch, material, and thickness can all impact your roof’s lifespan. For example, asphalt shingles—the most common residential roof material in Western Canada—can last for roughly 20 years. So, how can you determine if your roof needs an update? Luckily, your insurance can help clarify the right time to get your roof inspected or replaced.

Roof age and material are two factors reviewed upon renewal. Many insurance companies flag roofs between 15-25 years of age for potential wear and tear; your broker may contact you for pictures or a request for a roof inspection. This is a common practice and can alter the cost of your home insurance.

As a homeowner, it’s also important to periodically inspect your roof’s condition. Some things to look for include the following:

  • Bald spots— Granules protect the shingle and your roof’s substrate from light and weather damage. At the same time, gradual granule loss results from normal weathering, and visible bald spots with no granules are a sign that it is time to replace your roof.
  • Sagging—No one wants a saggy roof. There are many reasons a roof sags, such as but not limited to wind damage, excess weight (i.e., new shingles on old ones or moss buildup), harmful materials, poor installation, water leaks causing structural damage, and age. No matter the reason, a sagging roof is a serious issue, and it’s essential to get in touch with a roofing expert immediately.
  • Curling corners—Shingles can curl from age, ventilation issues, or by absorbing moisture. Curling corners are an indication that your roof needs to be replaced.
  • Cracked or split shingles—Cracked or split shingles result from the shingle material’s thermal expansion. Damaged shingles should be replaced to prevent water damage or the dislodgement of weak shingles.
  • Missing shingles and exposed light—If you can see exposed beams, nails, or even inside your home, it is time to get a new roof!
  • Interior and exterior water damage—This can impact the structural stability of your roof, cause water damage to your property, and create mold growth inside your home.

For more information about your policy’s coverage and how your roof may influence your insurance, please get in touch with one of our knowledgeable brokers today! You can reach us by phone at 1-844-544-4663 or by email at [email protected]. We look forward to hearing from you!

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