Here’s What You Need To Know About Roofs When Buying A Home

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Roofs are always a hot topic in real estate, so we spoke with insurance expert Chris Huebener with Brightway Insurance about everything you need to know about roofs when buying a home. 

Here are the three main things when it comes to roofs:

  1. Age of the roof.
  2. Condition of the roof.
  3. Life left of the roof.

Insurance companies have their hands full with frivolous roof claims so many are taking a hard stance. Some companies are saying they won’t insure a roof that’s over ten, fifteen, or twenty years old. However, that doesn’t mean you can’t get your roof covered. Many carriers are still covering roofs up to thirty years old. 

Not surprisingly, an insurance company’s decision on a roof often depends on what the inspection says about the roof. An inspection will help determine the overall condition of a roof. Inspection results include how old the roof is as well as the suspected life expectancy of the roof. Things inspectors look for include whether shingles are peeling up, or if there is a tree next to the roof that’s dumping leaves and branches on it which will make it deteriorate faster.

Pro tip – if you get a new roof, consider getting a wind mitigation inspection. It costs a little extra but it can save you a lot of money on your homeowners insurance. 

Best types of roofs for homes in Florida

In Florida, where the climate can be hot, humid, and prone to severe weather events such as hurricanes and tropical storms, choosing the right type of roof for your home is crucial. Here are some of the best types of roofs for homes in Florida:

  1. Metal Roofs: Metal roofs are highly durable and resistant to damage from wind, rain, and hail, making them well-suited for Florida’s climate. They also offer excellent protection against fire and are less prone to mold, mildew, and insect infestations. Additionally, metal roofs have a long lifespan and require minimal maintenance.

  2. Concrete Tile Roofs: Concrete tile roofs are popular in Florida due to their durability, longevity, and ability to withstand high winds and impacts. They are resistant to fire, rot, and insect damage and can mimic the appearance of other roofing materials such as clay tile or wood shake. Concrete tile roofs also provide good insulation and energy efficiency.

  3. Clay Tile Roofs: Clay tile roofs are another popular option in Florida, known for their durability, longevity, and aesthetic appeal. They are resistant to fire, rot, insects, and extreme weather conditions, making them well-suited for the Florida climate. Clay tile roofs also provide natural insulation and can help regulate indoor temperatures.

  4. Slate Roofs: Slate roofs offer unmatched durability, longevity, and beauty, making them an excellent choice for upscale homes in Florida. While more expensive than other roofing materials, slate roofs can last for decades with minimal maintenance and are highly resistant to fire, wind, and impact damage.

  5. Synthetic Roofing Materials: Synthetic roofing materials, such as synthetic slate or synthetic shake, offer the look and texture of natural materials with added durability and affordability. These roofing materials are lightweight, resistant to weathering, and often come with warranties against defects and damage.

When choosing a roof for your home in Florida, it’s essential to consider factors such as durability, weather resistance, energy efficiency, and aesthetic appeal. Consulting with a reputable roofing contractor or architect can help you select the best type of roof for your specific needs and budget, ensuring that your home is well-protected and visually appealing for years to come.

 

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