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Trinity Roofing & Restoration |1502 Elmscott DrSugar LandTX77498 | (281) 782-7116

What You Need To Know About Roofing

How long should my roof last?


The life of your roof depends on its roofing material, the installation job, and the weather, not to mention that not many roofing structures can stand up to hurricanes, tornados, hailstorms, and more. That being said, below are some average lifespans for different types of roofing materials:

  • Three-tab Asphalt Shingle: 12-18 years
  • Architectural Shingle: 18-24 years
  • Flat Roofing Membranes: 20-30 years
  • Metal, Clay, and Concrete Roofs: 50+ years

Of course, these different roofing materials require different care. Property owners should not install a metal roof and expect it to last 50 years without maintenance. Regular inspections help you maximize the life of your roof.

Can hail really cause my roof to leak?


Yes. Large hailstones can even punch holes through a roof. The damage from hail can cause your roof’s membrane to dent, crack, blister, or split open. This causes your roof to leak and fail prematurely. It is difficult for property owners to determine just how badly their roof held up against hail, so reach out to us for an inspection.

How much is my deductible for this claim?


Your deductible varies, and your roofing contractor probably can’t answer this question without looking at your insurance policy. Typically, the deductible is agreed upon between the insured and the insurance company. If you have certain clauses in your insurance policy, your deductible may increase based on weather-related events. Other policyholders may even have a flat-fee deductible. Your deductible depends on the value of your home and the statements in your policy. To determine your deductible, please refer to your policy’s declarations page.

What if I can’t afford my deductible?


Insurance companies typically do not release depreciation on a claim until the policyholder pays their deductible and ACV (actual cost value) payment. Without proof of payment, many insurance carriers will withhold any supplement and appreciation payments. If you cannot pay the deductible in full, the project can be delayed.

It is against the law for a contractor to waive, credit, or pay the policyholder back their deductible. But we can offer financing options. It is possible for you to finance your whole deductible, part of your deductible, or the full claim amount.

Does Trinity Roofing & Restoration offer financing?


We do. We have several partners who can help you finance part or all of a deductible. Considering a refinance? You can choose a cash-out refinance and use that cash to pay for your deductible or the full amount of work.

The insurance estimate shows a negative amount for my deductible. This means the insurance already paid my deductible, right?


A negative number next to the deductible means that the insurance company is removing the deductible from the RCV (replacement cost value) payment. In other words, the insurance company will pay for everything except the deductible on an RCV payment, so they’ve removed the deductible on their claim paperwork. The policyholder is responsible for paying the deductible.

What if the insurance doesn’t approve the amount our contract is for? Do I owe the difference?


It’s common for the insurance estimate to be different from the contractor’s estimate. Some things may be forgotten or unaccounted for. Our team always reaches out to the insurance company and presents our costs before starting work. That way, everyone is on the same page about how much work costs.

When the contractor’s estimate and the insurance estimate varies, examine what your insurance company is leaving off. For example, they may not include landscape protection on a roof replacement job. You should reach out to your insurance company and stand up for yourself. Speak to your insurance representative and see what they might say.

Why is the check from my insurance company less than the amount they approved the claim for?


Your first check is called the ACV payment (actual cost value). That payment does not include the depreciation and deductible. So long as your policy is a replacement cost value (RCV) policy, your depreciation and supplements will arrive in another check. In total, you may receive two or three checks from insurance.

I’m getting a 30-year shingle, correct?


Your insurance will pay to replace your roof with the same roof type you had before. For example, if you already had a 30-year shingle before repairs, then the insurance company will cover a 30-year shingle. If you had a different type of roof, they’d cover that type.

If you’d like to upgrade your roof to a different type, we can help. Our team can provide a quote on roofing upgrades for you.