Understand Your Roof

A roof/ˈruf/ is part of a building envelope. It is the covering on the uppermost part of a building or shelter which provides protection from animals and weather, notably rain or snow, but also heat, wind and sunlight. The word also denotes the framing or structure which supports that covering.[1]

The characteristics of a roof are dependent upon the purpose of the building that it covers, the available roofing materials and the local traditions of construction and wider concepts of architectural design and practice and may also be governed by local or national legislation. In most countries a roof protects primarily against rain. A verandah may be roofed with material that protects against sunlight but admits the other elements. The roof of a garden conservatory protects plants from cold, wind, and rain, but admits light.

Your home’s roof is important. It keeps your house and belongings protected from the elements. Your homeowners insurance policy helps to protect your assets if your roof is damaged. However, not all insurance policies are identical.

It is important to read and understand your homeowners insurance policy, especially when it comes to your roof. Ask Questions When Selecting and Reviewing Your Policy

• Does the age, condition or composition of my roof affect the cost of my insurance policy? If so, what can I do to lower this cost?

• Am I being charged more because I have an older roof? If so, am I eligible to receive a discount if I replace my roof? • Does my insurance policy settle claims for damage to the roof on a replacement cost or actual cash value basis?

• Does the age or condition or composition of my roof determine whether the claim is settled on a replacement cost or actual cash value basis?

• If my policy currently settles roof claims on an actual cash value basis, will replacing my roof make me eligible for replacement cost coverage?

• Does my insurance policy provide coverage if it is determined that the damage to my roof is only cosmetic?

• If my roof is damaged, how quickly must I report the claim to the insurance agent or insurance company?

• Could the age of my roof cause the insurance company to decide to non-renew my insurance policy?


Most insurance policies covering your home have an All Other Perils (AOP) deductible and a Wind/Hail deductible. The AOP deductible is applied whenever the damage to your home is caused by perils other than wind or hail. The wind/hail deductible is applied whenever the damage to your home is due to wind and/or hail. The wind/hail deductible is either a flat dollar amount or a percentage amount. If the wind/hail deductible is a flat dollar amount, the amount paid by the insurance company for the claim is reduced by the deductible amount. For example, if hail caused $15,000 damage to your roof and siding, the insurer would pay $14,000 and you would be responsible for the remaining $1,000 to complete the repairs to your home. What confuses many is that a percentage deductible is based on the amount the home is insured for, NOT the amount of damage to the home. For example, your home is insured for $300,000 and your wind/hail deductible is a 2% deductible. Your out-of-pocket expense is 2% of $300,000 or $6,000. Regardless of the amount of damage caused by wind or hail, you would be responsible for $6,000 of the repair costs.

Doing a roof right is a considerable undertaking.  Make sure you know the time is right!  

Sometimes, a leak that reveals itself on your ceiling isn’t water leaking through your shingles.  Sometimes it’s a siding issue or a ventilation issue.  Quite often, the issue can be resolved with a repair instead of re-shingling your entire roof.

When you call us for a free, professional consultation, we’ll provide an in-depth analysis of your roof.  As always, we will not put you through a high pressure sales experience.  If there’s nothing wrong with your, we’ll tell you.  At that point, the worst part of our meeting is that we shake hands and part friends.

A referral based, family owned and operated company can work no other way!