Roof replacement is something to be dreaded. The cost involved can be staggering. When homeowners are on a budget and this huge cost is thrust upon them it often means tremendous sacrifice in other areas of family life until it is paid off. A roof on an average home can cost $10,000 or more if it is done properly.
Roofs are nothing to mess around with or to take half measures. Improperly repaired roofs can make the difference between obtaining insurance or not. The insurance industry has made significant changes in their policies and coverage strategies in the last number of years. The changes they have made are primarily due to the change in quality of asphalt roofing shingles.
Class action lawsuits against asphalt shingle manufacturers have become common place since homeowners realized they have been sold a bill of goods about the quality and expected longevity of their asphalt roofing shingles. Thirty year warranties on roofing shingles actually delivered product that lasted eight or nine years, sometimes even less. Homeowners would be looking at another roof replacement shortly after they paid off the last one. There are instances where it had to be done before the previous loan was paid.
The simple truth is that materials used in roofing shingles has changed. Asbestos and felt were main ingredients allowing for a true twenty or thirty year lifetime. Today paper is the foundational ingredient and curls and dries in no time just like a newspaper that became wet and dried out.
The insurance industry did not become one of the world’s iconic financial industries by betting on losing horses. The asphalt roofing industry sold products with very small printed pro-rated warranties essentially implementing carpe diem. The insurance industry reacted by qualifying their policies because they understood people were putting inferior roofing shingles on their homes. Failed roofs in the millions would be devastating to the insurance industry. Their policy qualifications once again created a carpe diem scenario for homeowners. It is usually when the water is coming in they realize there is no insurance coverage.
Insurance is one thing, selling one’s home is another. An uninsurable home is an unsellable home. Home inspectors are very aware of the quality of asphalt roofing shingles being used. The two places they focus on primarily are roofs and basements. Basements can be greatly impacted by the state of a roof. Any deficiencies in a house discovered by an inspector will result in either a lower offer or no sale.
These issues do not even take into all of the other failings of asphalt roofing shingle. Heat retention in summer and heat loss in winter resulting in bigger energy bills, animal damage and shingle grit in gutters causing a fire hazard are a few things to consider.
Thank goodness there is a solution. Steel roofs solve literally every one of these issues. A steel roof will still be protecting your home fourty or fifty years after it is paid for. Insurance companies will not even question the protective value of a steel roof often resulting in lower insurance costs certainly never higher. Heat reflective qualities in the paint and insulation factors result in lower energy costs saving a great deal of money over the years a steel roof protects a home. Shingle grit does not exist on a steel or metal roof meaning no fire hazard and less gutter cleaning. Animals cannot chew through steel, aluminum or metal. They have to find an asphalt roof to chew through to create a home in an attic.