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Are metal roofs better?

metal roofing green roof

Durable metal roof

Metal roofing isn’t just for old barns and storage sheds anymore! Why? Homeowners have discovered the benefits of metal roofing versus asphalt shingled roofing. The benefits they are finding to be worth the expense of metal roofing are: 

  1. The old roof doesn’t have to be torn off before installing metal roofing
  2. Metal roofing is a lighter material
  3. Metal roofing is more energy efficient
  4. Metal roofing has little required maintenance
  5. Metal roofing installation earns a tax credit
  6. Metal roofing is fire resistant and earns insurance discounts
  7. Metal roofing is more durable and weather-resistant than asphalt shingles
  8. Most metal roofing sheets are made from recycled metal and are recyclable at the end of roof life
  9. Metal roofing has a longer warranty than asphalt shingles
  10. Home has a higher resale value with metal roofing because of these benefits

What is the best color for a metal roof?

It surprises most people to find out that metal roofing has unlimited color options today. Gone are the days when the only choices for aluminum, steel, or tin metal roofing were dark gray or reddish-brown.

Copper metal roofing is a material that is a color all its own, including the patina green it acquires as it ages. All colors eventually fade, but copper undergoes the most drastic change as it oxidizes. Over twenty years, the appearance will change significantly.

Some metal roofing factories add color there so that it is baked onto the metal material. Any metal roofing company you choose to work with can explain this to you in more detail and talk to you about painting the roof after it has been installed. Things you want to keep in mind about metal roofing colors are:

  • The pigment: the color or hue.
  • The resin: the surface appearance.
  • The solvent: the evaporating liquid part of the paint.
  • The fading: this relates to the pigment and can change as the elements interact with moisture and UV rays.
  • The chalking: this is the whitish appearance that builds up metal roofing over time. 

Remember, muted tones won’t fade as fast as pure colors on metal roofing. The quality of the paint will determine how quickly the paint fades or becomes chalky, and choosing lighter color reflect the sun and dark color absorb heat. 

Does a metal roof need gutters?

The purpose of gutters is to funnel water off the roof and away from the structure. They prevent damage to the foundation from rain, sleet, or snow, which left to puddle up around the foundation can cause severe damage to the property. So, strictly speaking, no, your metal roofing does not require gutters, but the foundation of your house and the landscaping around will be protected with a gutter system installed. 

Can you walk on a metal roof? 

Have you heard that you cannot walk on metal roofing? Well, whoever told you that was misinformed, because, depending on the style you choose, you can walk on metal roofing. You can walk on metal roofing with a less likely chance of damaging the roof than with ceramic tiles. Repeated foot traffic will cause damage to asphalt roofing before it will metal roofing. Even fifty years down the road, your metal roofing will hold up to foot traffic.            

red metal roof

What maintenance is required for a metal roof?

Most homeowners choose metal roofing for durability and minimal maintenance features. Where asphalt shingles come loose in the winds and wood shakes split as they age, metal roofing doesn’t damage easy, remaining reliable, steady, and sturdy. 

Metal roofing still needs maintenance and proper care. Here are some tips that experts have told us in metal roofing:

  • Keep Trees Off Metal Roofing: Constant rubbing by tree branches and limbs will damage the finish, loosen the fasteners, and If heavy enough, branches can dent metal roofing. 
  • Keep Debris Cleared Off Metal Roofing: Allowing debris to build up on metal roofing will damage the finish, and as it decomposes, it ruins the finish. Twice a year, using a brush on a long handle with a water hose, clear the debris off, the same time gutter cleaning is done. 
  • Minimize Foot Traffic: Minimize the amount of foot traffic on your metal roofing, but if there is a need for our HVAC technician, an electrician or plumber must access the roof, advise them when you schedule your appointment so they can plan accordingly.  
  • Avoid Mixing Other Metals with Your Metal Roofing: Some types of roofing materials don’t mix well, like aluminum roofing or copper roofing.  
  • Fix or Replace Fasteners: With your monthly metal roofing inspections, if you notice any loose or missing fasteners or screws, tighten, or use the same material to replace them. Make any repairs for holes and separations that you find while taking care of the fasteners.
  • Reseal If Needed: The sealant used on metal roofing will last longer than sealant on other roofing materials, but this needs to be check after each storm or once the snow melts. 

Does having a metal roof lower your insurance?

With most homeowner’s insurance policies, yes, there is a discount for having metal roofing. Before you invest in having a metal roofing installed, check with your agent, and if they don’t offer a discount, or it doesn’t seem to be enough, call around for quotes. 

Metal roofing has had the reputation of being noisy.  With professional installation, metal roofing with insulation today, it as quiet as an asphalt shingle roofing. The benefits of energy efficiency and the style your home will have will be worthwhile. Call (678) 365-3138 today for your metal roofing installation.

How Do Insurance Roof Claims Work?

A Contractor Documents Hail Damage.

How insurance roof claims work

The roof insurance claim process can seem stressful, especially if you are worried about an expensive roof repair or how much it will cost you to replace your roof. As stressful as it may be, the process isn’t quite as complicated as it seems, especially when you have an experienced roofer like Colony Roofers providing help with the claim. In fact, the claim process often begins with you getting an estimate for the repairs from a reputable roofer with insurance experience. 

Once you have an estimate, you can file a claim with your insurance company. The insurance company will weigh various factors when determining exactly what they will pay out on the claim. In many instances, your roof’s age will play a big role in what’s paid out. Any roof that’s over 10 years old might get less coverage than a new roof, if your roof has not been well maintained. Keeping your roof maintained can be a key to good coverage if the time ever comes when you need to file an insurance claim.

What caused the damage will also affect the claim’s status. Insurers only cover damage listed under covered perils. These are events like storms or fires or even vandalism that cause damage out of your control. If your roof repair is necessary because you have neglected to maintain your roof, your claim will probably be denied. Policies will vary and it is best to check with the insurer to find out exactly what is covered in your policy. If you ever need roof insurance claims help in Atlanta, GA, Colony Roofers has years of experience dealing with insurance companies and making sure homeowners get the full benefit of their policies. When you need help with any roofing service, give us a call at (678) 365-3138.

Should I make an insurance claim on my roof?

If you need roof repairs or replacement, you’ll have to take into careful consideration whether to file a claim or not. Frequently filing claims can affect your premiums as well as the amount paid out on a claim. You may even risk getting your policy voided. You should avoid filing a claim if the estimated repair amount doesn’t meet or exceed your deductible, it’s better to pay out of pocket. If the repairs are due to normal wear and tear or lack maintenance on your part, you are better off not filing a claim. Insurers normally only cover damage caused by covered perils such as hail damage. It’s also best not to file a claim if you’ve filed one in the past three years as your insurer might void your policy if you file too many claims in one year, and you might have problems getting insurance elsewhere. 

How do I get my insurance to pay for a new roof?

When your roof’s been damaged after a storm has passed through your area, if the damage is severe enough, you might have to get your roof replacement. This can be an expensive proposition because new roofs can cost as much as or more than a new car. When you file a roof insurance claim, you’ll want to make sure everything is in order so they will cover the full cost of a new roof. Make sure you follow these steps:

  • Know exactly what your policy covers. Read over your policy so you’ll understand everything that’s covered.
  • Before you contact your insurance company, document all the damage. This means getting an estimate from a reputable roofer, but you also want to supplement your documentation as much as possible. For instance, after a hailstorm, if you can, take photos of the hailstones. 
  • Research roofers and hire a reputable company like Colony Roofers. Reputable companies will be licensed and insured and will consistently get good reviews from past customers and from trade organizations or groups like the Better Business Bureau.
  • Make sure you follow all your insurer’s procedures to file a claim and the procedures to take to file an appeal if the claim is denied.

Roof insurance claim denied

Once you’ve submitted a roof insurance claim, there is always the possibility the claim will be denied. There are several reasons for this. Most often your claim will be denied if the repair costs don’t exceed your deductible or the repair isn’t covered under a covered peril—lack maintenance won’t be covered, for instance. If you’ve filed several claims recently, your claim might be denied as well. 

If your claim is denied, you do have a right to appeal the decision. You’ll have to follow procedures set down by your insurer to file an appeal. You may also want to enlist the help of a roofing company like Colony Roofers that has experience dealing with insurance companies. They can help you get the full benefit of your claim.

Can I cancel a roof insurance claim?

For the most part, once you file a roof insurance claim, you cannot cancel it. It can only be canceled before an adjuster is assigned to it. After an adjuster is assigned, even if the adjuster does not show up, or the insurer doesn’t pay out, the claim can’t be canceled.

What do insurance adjusters look for on roofs?

After you file a roof insurance claim, an adjuster will be assigned to it. The adjuster may then come out and inspect your roof to verify the claim. They will be looking for a variety of things from the age of the roof to whether or not it has been properly installed. They are also going to check for the signs of damage reported. They may feel shingles for dents from hail or look for evidence that shingles have been lifted up from wind damage. They are confirming the damage reported to determine what the insurance company will or will not pay for.

How much does insurance go up after new roof?

Insurance coverage for roofs will vary by insurer and even by region. Depending on the circumstances, your insurance premium might go up or it might not if you have a new roof installed. How much it might go up will vary by insurer. If you’ve filed several over the past few years, the premium is likely to go up more than it would if you’ve only filed one claim. In fact, filing one claim might not cause the premium to go up.

A Tree That's Fallen on a Roof.

Roofing insurance claims for storm damage

When you’ve had a storm damage your roof and need help with your roof insurance claim in Atlanta, GA you’ll want to get that help from a roofing company with insurance experience. Colony Roofers has years of experience helping homeowners get the full benefit of their claims. To find out how we can help you with your insurance claim, give us a call at (678) 365-3138.