Insider Information on Replacing Your Roof

Have you ever wondered if replacing your home’s roof in Florida is time? In this article, we will discuss insider information on replacing your roof. Recognizing the signs early can save you time, money, and stress. But how do you know what to look for? Don’t worry; we’ve got you covered! The roof is more than just a cover over our heads. It is the frontline defense against the elements, keeps us safe from pests, and significantly contributes to our homes’ energy efficiency. Without a properly functioning roof, your property could be at risk.

Is It Time To Replace Your Roof

If you own a home in Orlando or anywhere in Florida, replacing your roof happens more often than in other places. Florida’s weather, known for its heat, humidity, and frequent tropical storms and hurricanes, can accelerate roof wear and tear. Constant exposure to these harsh conditions can lead to the deterioration of your roof faster than in less extreme climates. Insurance companies ask for an official inspection report by from a state-licensed roofing contractor when your home is seventeen years old. Your roof was supposed to last for twenty years or longer, but typically they don’t last that long in Florida.

Replacing Your Roof Due To The Elements

The roof is more than just a cover over our heads. It is the frontline defense against the elements, keeps us safe from pests, and significantly contributes to our homes’ energy efficiency. Without a properly functioning roof, your property could be at risk. In Florida, the heat and humidity can cause roofing materials to warp and crack, while frequent storms can lead to water damage or even blow off shingles. Over time, these damages can compromise the integrity of your roof, making replacement necessary sooner than expected. If your insurance policy doesn’t cover your roof, Fema may be able to help in the recent storm that has been declared a disaster, and you live in the home. https://www.fema.gov/assistance/individual

Condo And Townhome Roofs

If you own a home that’s a condo, apartment, or perhaps a townhouse, your homeowner’s association should cover the roof replacement. They have a reserve fund that part of your HOA fees goes into to replace roofs, paint the exterior, maintain private roads or pools, etc. If your roof is leaking, contact your HOA; they should be able to fix or replace it. Here’s a link to our article on HOA’s for more information

Regular Roof Maintenance
Insider information on replacing your roof
Close-up view of damaged shingles on a roof in Florida.

Regular maintenance is crucial to extend your roof’s lifespan and ensure it performs its role effectively. It helps identify potential issues before they become significant problems that could lead to costly repairs or replacements. So, what are the signs that your roof may need replacing? After each hurricane comes through, your areas of Florida, like Orlando, Kissimmee, and Davenport. Even though they slow down a little once they’ve come inland, they can cause significant damage to roofs. Have a state-licensed roofer look at your roof for hurricane or tropical storm damage.

What Does Your Roof Look Like

If you step back across the street from your home, you should be able to see what your roof looks like. Are the shingles on your roof curling, cracking, or missing altogether? These are clear signs that your roof may be nearing the end of its useful life. There may be a few missing shingles. You might have noticed them lying in your yard or in the bottom of your pool. An expert’s opinion on filing an insurance claim for storm damage or fixing the damaged sections of your roof in Kissimmee, Orlando, or Davenport could save you thousands of dollars. Here’s the link to the hurricane dates to see if one came close to your home. https://en.wikipedia.org/wiki/List_of_Florida_hurricanes_(2000%E2%80%93present)

Property Managers Roll In Maintaining Your Roof

Suppose you own a rental home in Kissimmee, Orlando, Davenport, or other areas of Florida. In that case, your property management company may have a good business relationship with a couple of roofing contractors. Often these contractors will inspect your roof for your property manager after a hurricane or severe tropical storm to see if there is any roof damage. They’ll probably send you photos of the roof with their recommendations for fixing, replacing, or in some instances; they might advise you to file an insurance claim for storm damage. You might have a high insurance deductible, but if it needs replacing and you can file an insurance claim, it will save you thousands of dollars. Here’s a link to our article on repairs to your rental property.

Insider Information On Replacing Your Roof: Key Signs Your Roof Needs Replacing

A sagging roof is a serious issue that often signifies structural damage. If your roof is sagging, it’s time to call in the professionals.

Leakages and Water Damage

It might indicate a leaking roof if you notice water stains on your walls or ceilings. Over time, these leaks can lead to significant water damage and even mold growth.

Growth of Moss or Algae

In Florida’s humid climate, it’s typical for moss or algae to grow on roofs. While this might only sometimes signal the need for a roof replacement, excessive growth can cause damage over time.

Higher Energy Bills

A sudden increase in energy bills could signify that your roof isn’t insulating your home correctly. This lack of insulation means your heating and cooling system has to work harder, resulting in higher energy costs.

Insider Information On Replacing Your Roof: FAQ’s

  • 1. What is the average lifespan of a roof in Florida? The average lifespan of a roof in Florida is typically around 20 years, although this can vary based on storm damage, the materials used, and how well the roof is maintained.
  • 2. How often should I inspect my rental home’s roof?
  • Inspecting your roof at least once a year is recommended, ideally in the spring or fall. However, an additional check is always good after a severe storm or hurricane.
  • 3. Can I replace a damaged shingle, or must I replace the whole roof?
  • In some cases, you can replace a damaged shingle. However, if you notice widespread damage or other signs of aging, consider a complete roof replacement.
  • 4. What are the potential consequences of not replacing a damaged roof? Ignoring a damaged roof can lead to severe problems, such as structural damage to your property, mold growth, increased energy bills, and potential health risks to yourself and your family or tenants.
  • 5. Who can I contact for a professional roof inspection in Florida?
  • There are many reputable roofing companies in Florida. Researching local businesses, reading reviews, and ensuring they are licensed and insured before making your choice is recommended.
  • Bonus: Why Some Insurance Companies Want New Roofs After 17 Years
  • Insurance companies always assess risk when providing coverage. This applies to the properties they insure; the roof is a significant factor in this equation. After all, a well-maintained roof is vital for protecting property from potential damage.
  • Many insurance companies have recently shifted their policies to require new roofs after 17 years. But why is this? There are several reasons for this change.
  • Risk Management
  • Older roofs are generally more susceptible to damage. This is because roofing materials degrade over time, and after about 17 years, they may provide a different level of protection than when they were new. Insurance companies reduce the risk of significant damage claims by requiring a new roof after this period.
  • Increased Severity of Weather Events
  • The severity and frequency of extreme weather events have increased in recent years. Hurricanes, tornadoes, and hailstorms can cause substantial damage to properties, especially to roofs. Due to their inherent vulnerabilities, older roofs are more likely to suffer severe damage during such events. By insisting on newer roofs, insurance companies are trying to mitigate potential losses from these increasingly common weather events.
  • Overall Cost Efficiency
  • While replacing a roof might seem a hefty expense for homeowners, it can be cost-effective in the long run. Newer roofs are more energy-efficient, reducing energy costs. They also require less frequent repairs, saving homeowners on maintenance costs. From the insurance company’s perspective, newer roofs mean fewer claims, thus saving them money.
  • Compliance with Building Codes
  • Building codes evolve, becoming stricter and more safety-focused. A roof installed 17 years ago might not meet the current building codes, posing a safety risk. Insurance companies require newer roofs to ensure their insured properties remain up-to-date with the latest safety standards.
  • To sum up, the move by some insurance companies to want new roofs after 17 years is a multi-faceted decision. It reduces their risk exposure and ensures the properties they insure are safer and more efficient. As a homeowner, it’s essential to understand these requirements and plan accordingly to ensure your property remains insurable.

About the author, Anne-Marie McCormack

Anne-Marie McCormack has been a Florida licensed Real Estate Broker since 1996. She has worked as a realtor in property management, rentals and sales in Kissimmee, Davenport, and Orlando, Florida since 1991.

She heads the team at McCormack Realty & Renters Choice Homes and has lots of experience with long-term and short-term rentals and sales. . Anne-Marie owned and operated a short-term-rental, property management company from 1994-2004. Since then McCormack Realty & Renters Choice Homes has focused on long-term rentals and sales of residential, investment homes and vacation homes also known as holiday lets.

Leave a Reply

Your email address will not be published. Required fields are marked

one × one =

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}

Find the best tenants for your investment property in our free guide.

tenants for your long term rental