Guide To Metal Roofing

Metal roofing is popular in Colorado and throughout the United States. In fact, it’s second in popularity among homeowners in the United States, trailing behind asphalt roofing alone. However, metal roofing provides many benefits that homeowners won’t get with other material options, including asphalt. From durability to recyclability and more, Englewood metal roofing is an excellent choice for your home.  

Metal Roofing Varieties

Multiple types of metal roofing are available for residential roofing installation. Varieties of metal roofing vary in price point, longevity, and look. You can discuss these options with your Colorado roofing contractor to determine the best metal roofing material for your home’s needs. 


Among all of the types of metal roofing available, steel is the most basic and frequently-used choice. Steel is more sturdy than other types of roofing materials, but still lightweight enough to be formed into various roofing styles. Due to its durability, a steel roof can last for much longer than other roofing systems. Steel roofing of a higher gauge, or thickness, will have a longer lifespan than other steel options and fend off damage more effectively. 

Steel roofing typically has a color finish, giving you the ability to select steel roofing that will complement the exterior of your home. 


Aluminum is somewhat more expensive than simple steel roofing options. However, it’s resistant to rust. This means that its longevity won’t be impacted by prolonged exposure to moisture. Additionally, aluminum will absorb less heat than other metal varieties. This makes it a great option if you’re looking for a roof that will help regulate your home’s temperature in the summer months. 

Aluminum is softer than steel, making it less labor-intensive to install. Unfortunately, the light weight of aluminum also makes it more likely to get damaged, especially in a hailstorm. 


Copper has long been used in construction; you’ll see copper roofing in ancient architecture. Its beauty and flexibility made it a fantastic choice for domes, cathedrals, and more. Today, copper is still available as a roofing material. While it comes at a high cost, the stunning look and longevity of copper roofing make it a top-quality roof material. A copper roof can last for as long as a century, allowing homeowners to avoid having to complete a roof replacement as long as they live in the same home. As an added perk, copper roofing needs almost no maintenance – it can remain in great condition virtually on its own. 

Pros and Cons of Metal Roofing


  • Longevity

Metal roofing is much longer-lasting than asphalt roofing. In contrast to the 10 to 20-year lifespan of an asphalt shingle roof, metal roofing can last for 40 to 70 years, or even longer if you select a premium metal. 

  • Energy-efficiency

Metal roofing has a reflective quality. This means that it can work similarly to a cool roof and help regulate your home’s temperature in the summer. This will lead to lower cooling costs. 

  • Recyclability

Metal roofing is often highly recyclable, meaning that your metal roof won’t be sent straight to the landfill once it has reached the end of its lifespan. 

  • Wind-resistance

Here in Englewood, we often experience very high winds. Metal roofing is a stellar choice for wind-resistance, allowing you to avoid scheduling repairs for wind-damaged shingles after a major storm.  

  • Low maintenance

Metal roofing doesn’t need the extent of regular maintenance that other roofing materials do. While you should still schedule roof inspections to ensure that no damage has occurred, you won’t need to maintain your metal roof as frequently when compared to other roofing systems. 


  • Cost

Metal roofing is more expensive than asphalt shingle roofing. However, with the range of metal options available, you can likely find one that fits within your budget. Additionally, metal roofing will last longer than asphalt roofing, so it can provide you with superior value for money. 

  • Color inconsistencies

It’s very difficult to match the color of an existing metal roof. So, if the roof requires repairs, any patched roofing may not match the metal panels that were previously installed. 

  • Noise

When it’s raining or hailing, metal roofing can be loud. Having additional insulation installed can help muffle noises from your metal roof inside of your home. 

RME is a top metal roofing company in Colorado. Contact us today to learn more!

Identifying Roof Hail Damage

Many people assume that cars are the most vulnerable pieces of property in hailstorms. However, your roof is the first component of your home that will be exposed to hail when a storm strikes. This makes roof hail damage a significant threat to homes in Englewood and throughout Colorado. The impact of hail against your roofing system can leave a mark, potentially requiring extensive roof repairs.

After a hailstorm, you can ensure that roof hail damage doesn’t get worse over time by identifying it ASAP. Hail damage can quickly get exacerbated with the unpredictable weather here in Colorado. Make sure to look out for signs of roof hail damage after a storm so that you can promptly schedule the Englewood roof repairs that you need. 

Factors Impacting Roof Hail Damage

Multiple circumstances can impact the extent of the roof hail damage that your home experiences. These include:

  • Hailstone size

The size of the hailstone varies from storm to storm. But, this is one of the biggest factors that determines the extent of roof hail damage. Hailstones the size of golf balls are far from unheard of here in Englewood. Larger, more dense hailstones will wreak more havoc on your roofing system. 

  • Wind speed and direction

The speed and direction of the wind during a hailstorm can alter the damage that it causes to your roof. Wind can exacerbate the impact of hailstones on your roof. 

  • Roofing material

The material of your roof will make a sizable difference in hail damage after a storm. Some types of roofing materials are more resistant to hail damage than others. Also, if your roofing system is old or has pre-existing damage, it’s likely to be more affected by a hailstorm than a roof that’s in better condition. 

  • Structures around your home

The positioning of structures, whether it be your neighbors’ homes, fencing, and even trees can affect hail damage. Anything that obstructs your roof may take the impact of the hailstones before it can reach the surface of your roof. 

Types of Roof Hail Damage To Look Out For


Hailstones have a circular shape. When a hailstone hits the surface of your roof, it can create a dent. Many different types of roofing materials, from metal to asphalt and even slate, may become dented in a hailstorm. Dented roofing materials may need to be replaced to restore the full strength of your roof. 


Hailstones can crack the surface of many different types of shingles. When a shingle is cracked, it will expose the layers of your roof that lie beneath it. This weakens your roofing system and could lead to extensive damage down the line. 

Missing Granules

Asphalt shingles have outer protective granules. These granules are designed to offer protection against the elements, especially the sun’s harsh rays. Hailstones can knock these granules off of the shingles on your roof. This will leave the surface of your roof weaker and more likely to become damaged in the future. 

Weak Seal

Asphalt shingles feature a self-seal strip. Hail, as well as the high winds that are often present during hailstorms in Englewood, can cause this seal strip to wear down. A weakened seal makes it more likely that your asphalt shingles will be ripped off or otherwise damaged in a future storm. 

Checking For Roof Hail Damage

The more severe the roof damage, the easier it will be to identify. For example, you can walk around the perimeter of your home after a hailstorm to find any shingles that have been fully broken off of your roof. You may also be able to find missing granules in your gutter system after a storm. 

Some types of roof hail damage, however, may only be identifiable by walking on your roof to take a closer look. Enlisting the help of your Englewood roofing company is always the best choice in this scenario. Professionals will know exactly where to look and what to look for after a hailstorm. Plus, they’ll be able to recommend the proper repairs to restore your roof to its former strength. 

Contact RME today to schedule an inspection or repairs for roof hail damage. 

Top Roofing Problems in Colorado

Roofing company Englewood Colorado

As a Colorado roofing company through and through, we know that many types of roofing problems can impact Colorado homeowners. The Centennial State is known for its unpredictable weather and major storms, both of which can result in roof damage. While roofing problems can be frustrating, they’re largely inevitable. But, you can reduce the impact of common roofing problems by taking proper care of your roofing system. Remember that the team at RME is here for all of your roof maintenance needs in Colorado. 

Below, you’ll find the main types of roofing problems in Colorado. With this information, you can prepare and protect your roofing system. 

Tree Damage

Did you know that the trees on your property may be a risk for your roofing system? This is an unfortunate truth for many homeowners in Colorado. While trees are beautiful on any property, they can lead to multiple types of roofing damage. 

Overhanging Branches

Overhanging branches, in particular, pose a risk for your roof. If branches hang over your roof, they may scratch your roof in the wind. For asphalt shingle roofs, this can lead to missing asphalt granules and diminished roof strength. If branches snap and fall onto your roof, whether due to high winds, snow, or other types of storms, a dent or puncture could result. Roof punctures are particularly damaging and could lead to leakage. 


Trees on your property also give animals, such as squirrels and raccoons, the opportunity to get onto your roof. This can lead to damaged roofing materials and a major inconvenience for you as the homeowner. Squirrels may also decide to nest in your roof, which is a tedious problem to resolve. 

For most types of roof damage from trees, simply trimming back the branches of the trees close to your home will help prevent damage. Additionally, if a tree on your property is dead or ill, make sure to have it removed so that it doesn’t pose the risk of falling onto your home.  

Hail Damage

Here in Colorado, hailstorms are to be expected each year. As one of the top states in the nation for severe hailstorms, Colorado often experiences storms that cause costly damage for home, car, and business owners. While hail damage isn’t a pleasant issue to deal with, it can usually be promptly resolved with the help of your Colorado roof hail damage experts. 

Types of Roof Hail Damage

Hail damage to your roof may take many different forms. The most common issue that homeowners may see after a hailstorm is a dented roof. Hailstones can create dents in all different types of roofing materials if they’re large enough. In the case of asphalt shingles, one of the most common roofing materials around, hailstones can damage the shingles’ outer protective coating. This is why you may notice asphalt granules in your gutters or around your property after a hailstorm. 

Damaged, broken, and missing shingles are also common after Colorado hailstorms. The storm may break or rip off a portion of some shingles or may tear entire shingles from the roof. This is a fairly easy issue to spot, given that the broken shingles will likely have fallen into your yard. 

If these types of roof hail damage are left alone, they’ll get worse with time. Missing shingles, for example, expose the deeper layers of your roofing system and could lead to a roof leak. So, whether it’s a missing shingle, missing protective granules on asphalt shingles, or roof dents, make sure to get roof hail damage repaired promptly. 

Wind Damage

We often experience high winds here in Colorado. High winds can cause shingle damage, given that the shingles may curl or peel back in the wind. Wind can also damage the protective granules of asphalt roofing, leading to granules piled up in your gutters. Over time, damage from high winds tends to reduce the strength of any roofing system. To ensure that your roof has a long lifespan, schedule regular roof inspections to check for wind damage. 

For help with these roofing problems and more, contact RME. Our team has the expertise to handle all types of roof damage and restore the longevity of your roof. 

Our Guide To Roof Leaks

Roof Repair Englewood CO

For homes in Colorado and across the country, a leaky roof is an unwelcome issue. A leaky roof is a nuisance that can lead to water damage throughout your home, as well as costly roof repairs or, in the worst-case scenario, an entire roof replacement. Plus, you shouldn’t have to grab a bucket to catch the leaking water whenever a storm passes through. 

Roof leaks are undoubtedly inconvenient. But, you can largely prevent this roofing problem by taking proper preventative measures. So, let’s cover everything you need to know about Colorado roof leaks. If a leak should impact your roofing system, you’ll have a better idea of how to deal with the issue. 

What Causes a Leaky Roof?

Ice Dams

Ice dams present a major risk for roof leakage here in Colorado. An ice dam can form when the center of your roof is warmer than the edges. This causes snow at the center of the roof to leak to the edges, where it re-freezes and creates a ridge. When an ice dam forms on your roof, it can cause a few key issues. 

For one, the ice dam will trap moisture on the surface of your roof. When roofing materials get wet, they need to dry out promptly to avoid damage. Additionally, the weight of an ice dam can strain your roofing materials and lead to damage. 

Proper insulation and ventilation are some of the best ways to avoid the formation of ice dams during the winters here in Colorado. This will help regulate the surface temperature of your roof so that the center of the roof isn’t warmer than the edges. 

Cracked Flashing

The flashing is the thin metal used to protect the inner layers of your roofing system from water damage. Since flashing plays a big role in the prevention of roof leaks, damage to flashing is a big risk factor for a roof leak. Flashing can break down over time and may be damaged in wind, hail, or rain. If roof flashing cracks, precipitation can seep into your roof, creating a leak. Having your Colorado roofing team inspect your roof regularly will help identify and amend flashing issues promptly. 

Poorly Sealed Valleys

Roof valleys are the point at which two roof planes meet. In residential roofing systems, the valleys are generally sloped. So, if the valleys are poorly sealed, or if the sealant has broken down due to time, the elements, etc., the roof may start to leak. Moisture and water stains along the seams of a roof are clear signs that the sealant isn’t doing its job. Thankfully, roof valleys can be resealed to restore the condition of the damaged sealant. Ideally, this repair job will be done ASAP, before the roof starts to leak. 

Shingle Damage

Damaged or broken shingles are common, especially after high winds or a hailstorm. You may notice broken shingles around your home after a big storm, or you may see bare patches on your roof. Shingles are important to the durability of your roof. So, if some shingles are damaged or missing, your roof will be more likely to leak. Damaged shingles should be replaced properly to avoid leaks and other types of roofing problems. 

Signs of a Roof Leak

Spotting a roof leak early on after it occurs can help minimize the damage to your home. There are many possible signs of a roof leak that you can keep an eye out for, especially after a large storm, when leakage is more likely to occur. 

Common signs of roof leaks:

  • Water marks and stains on ceilings and walls
  • Water stains on the rafters in your attic
  • Peeling or bubbling interior paint 
  • Moisture in the paint or drywall near electrical outlets 
  • Moisture near fireplaces and air vents inside your home
  • The sound of dripping in your home
  • Curling roof shingles
  • Rotting, discolored, and/or degraded roofing materials
  • Moldy exterior walls 
  • Water-damaged siding

If you suspect that your roof in Colorado is leaking, contact RME today. Our skilled team can identify the issue and suggest the best solution to restore the strength of your roofing system.

Types of Tree Damage To Roofs

Roofers Englewood Colorado

Here in Colorado, many homeowners have trees on their properties, and that’s a good thing. Trees add beauty to any home and can largely enhance your landscaping. However, trees can also damage your roof in a few different ways. 

This article will cover the main types of tree damage to residential roofing systems in Colorado. With a few preventative measures, you can keep the trees on your property in check and avoid most types of tree-related roofing damage. 

Overhanging Branches

If you have any trees growing close to your property with branches hanging over your roof, know that the overhanging branches may cause roofing damage. This is especially true if the branches are close enough to touch your roof. 

Especially in high winds, (which we experience often here in Colorado), overhanging branches can scratch the surface of your roof. If you own an asphalt roofing system, these scratches may cause more damage than you’d expect. The branches may scratch granules off of asphalt shingles, thus damaging the shingles’ outer protective coating. When asphalt shingles are missing protective granules, they’re more likely to break down over time. This may put your entire roofing system at risk for severe damage. 

Fallen Branches

In Colorado, we experience multiple types of storms throughout the year. Snowstorms during the winter can lead to snow piled on tree branches. This excess weight makes it more likely for tree branches to snap and fall onto your roof. However, snowstorms aren’t the only weather condition that can cause broken branches. Hailstorms, thunderstorms, and even a very windy day can also place enough pressure on tree branches to cause them to snap. 

Dents and Punctures

If the branches hanging over your roof snap and fall, major roof damage can occur. Depending on the size of the branch and from how far a distance it falls, it may dent or puncture your roof. Roof punctures from fallen tree branches can be particularly damaging and may even lead to a roof leak. 

Missing Shingles

Branches that fall onto your roof in Colorado also have the potential to rip entire shingles off of your roof. Missing shingles put the deeper layers of your roofing system at risk for damage and deterioration. Thankfully, asphalt shingles are usually simple and affordable to replace with the help of your Colorado roofing team. 

Tree Debris

Debris from trees, like leaves and pine needles, generally seem innocuous. However, when this debris builds up on your roofing system, it can lead to a host of problems. 

Leaves, pine needles, and other types of outdoor debris trap in moisture. When this debris is sitting on your roof, it can hold moisture against the surface of your roof. When your roofing materials are vulnerable to moisture for extended periods of time, they may start to deteriorate or rot more quickly. Excess moisture on your roof also provides an opportunity for mold to grow. Moldy roofing materials will need to be replaced. 

Debris from trees on your property can also build up in your gutters. Clogged gutters are never a good thing for your roofing system, as it can lead to leakage and water damage during storms. If your gutters are clogged and start to leak water while it’s raining, water may pool over your home’s foundation and put it at risk. 

Animal Damage

Trees on your property give critters like squirrels and even raccoons a chance to access your roof. Squirrels, in particular, are very agile and can jump onto your roof from a high branch. 

Animals, especially if they choose to nest in your roof, can cause significant damage. You may notice missing shingles, chew marks in the decking, and holes in your roof’s soffit and fascia. 

How To Prevent Roof Damage From Trees

While roof damage from trees on your Colorado property can be frustrating, it’s also mostly preventable. Here’s what you can do to lower your risk of tree-related roof damage:

  • Keep tree branches pruned. Any branches that hang over your roof should be trimmed back. 
  • Frequently clean your roof to avoid the buildup of leaves, pine needles, and other debris. Have your gutters cleaned regularly, too. 
  • Have any dead or ill trees on your property removed by a professional. 

To learn more about protecting your Colorado roof, contact RME today. 

Is Roof Hail Damage Preventable?

Roofing company Englewood Colorado

In Colorado, severe hailstorms are far from uncommon. As a part of “hail alley”, Colorado experiences many hailstorms from spring to fall, often leading to property damage for home and business owners. In particular, hailstorms often cause damage to roofing systems. Roof hail damage is common in the Centennial State, but is it preventable?

Here, we’ll talk about prevention methods for roof hail damage in Colorado. By taking care of your roofing system, you can prolong its lifespan. 

Start With Strong Roofing Materials. 

When you have your roof installed in Colorado, make sure to select roofing materials that are cut out for the climate. This means opting for a material that can withstand hailstorms. Not all roofing materials are made equal, and some options will hold up better against hailstones than others. 

Some of the top roofing materials for hail damage include:


Rubber is one of the most hail-resistant roofing materials. It can withstand the impact of hailstones so that even severe hailstorms don’t cause overwhelming damage. Rubber roofing can also bounce back to its original position after being dented by a hailstone, allowing you to avoid visible roof hail damage. 


Asphalt is one of the most popular home roofing materials in the United States. Among its other benefits, repairing hail damage to asphalt roofing is much more affordable than other roofing materials. This is a perk for homeowners on a budget because while hail damage to asphalt roofing largely can’t be avoided, the hail damage repairs won’t break the bank. 

Hailstones tend to knock the protective granules off of asphalt shingles. This is why you may notice asphalt granules in your gutter system after a hailstorm, if you have an asphalt roof. With a compromised outer coating, asphalt shingles will be vulnerable to future damage. So, damaged asphalt shingles should be replaced after a hailstorm. 


Metal is another roofing material that generally fares well in hailstorms. As a sturdy and light material, metal lasts longer than asphalt shingles and offers greater hail-resistance. Thicker metals, as well as strong metals like steel, can further increase your roofing system’s ability to withstand hail damage. 

Hail Damage Prevention With Proper Maintenance

Besides selecting a strong roofing material, properly maintaining your roof is one of the best ways to prevent roof hail damage in Colorado. Plus, by maintaining your roof, you can prevent wear-and-tear on your roof over time, thus improving its longevity. 

Keep these roof maintenance tasks in mind as a Colorado homeowner for hail damage protection:

Keep The Trees on Your Property Trimmed Back. 

A hailstorm can cause enough damage to your home on its own. The last thing that you need in a hailstorm is for overhanging branches to break and fall onto your roof. Branches can scratch, scrape, and puncture your roof. If you own a shingle roof, fallen branches may rip entire shingles off of your roof. In a hailstorm, when high winds are often present, tree branches are more likely to break. So, to ensure that broken branches don’t fall onto your roof, keep the trees on your property trimmed back. No branches should hang over your roof. 

Have Your Roof Inspected Regularly. 

Roof inspections are the best way to catch potential roofing problems and have them resolved before damage occurs. We recommend that you have your roof inspected approximately once per year – ideally before hail season here in Colorado! This will give your local roofing experts a chance to repair any weak points before hailstorms strike. Otherwise, with a weak roof headed into hail season, you could end up with severe roof hail damage, such as a leak. 

Don’t Put Off Roof Replacements. 

At some point, all roofs need to be replaced. If the time has come to replace your home’s roofing system, don’t put off scheduling the replacement. Otherwise, you may put the interior of your home in danger of water damage due to a roof leak. While a roof replacement may seem like a hassle, you can ensure that it’s completed seamlessly by selecting a trusted Colorado roofing company.

Contact RME today to learn more about roof hail damage and how you can prevent it. 

Denver Roofing Repair Testimonial

Customers Rejoice at RME’s Denver Roofing Repair

RME Roofing specializes in insurance claim repairs, roof repairs, leaky roofs and anything weather-related that applies to your home. We specialize in roofs, aluminum siding, gutter replacement and other specialized home repairs. RME Roofing has been servicing the Denver Roofing Repair business for many years, and strives to provide the highest-level of customer satisfaction available. RME services are available on a per-customer, needed basis. Not all projects require roof repair, or siding replacement. Please be sure to have an RME Roofing professional inspection done to your home to determine the amount of  damage that may have been done to your residence.

A video testimonial from another satisfied RME Roofing customer. We appreciate the Barclay Family for their time, kind words, and overall, just being a great American family who trusted us to strive for perfection.

Be sure to visit RME Roofing for all of your Denver Colorado Roofing repairs and replacement needs. You can solidify your decision by visiting us at Thumbtack and reading our outstanding reviews.


Hailstorm Wreaks Havoc, Millions in Damage

A quick story coming from the Colorado Springs Gazette
Kaitlin Durban, May 2017

Claims began rolling in almost immediately after what some have termed a “hail bomb,” which pelted the south and northeastern parts of the city with tennis-ball-sized hail. Windows of cars and homes were smashed, vehicle hoods were dimpled, roofs were beaten, less durable property was shredded, plants and trees were ripped apart.

The Rocky Mountain Insurance Information Association isn’t ready to release figures estimating how much the storm cost in damage – that could come next week – but they “know it will be a significant event,” spokeswoman Carole Walker said.

Companies are receiving a “flood of claims,” she said. While insurance companies designate “catastrophes” based on volume, the association gives the designation when weather events do more than $25 million in damage. That figure can be easy to reach in Colorado, which is ranked second behind Texas for hail damage claims nationwide, Walker said. Based on the number of claims the area’s top insurance companies have reported, Colorado Springs is earning the ranking.

USAA, which insures 11.5 million military members and their families nationwide, has processed 15,000 claims in Colorado Springs since Thursday, spokesman Richard Johnson said. Roughly 10,000 of them were auto claims, the rest by homeowners.


May 2017 Hail Storms

Denver Area Left to Clean Up After Monday’s Major Hail Storm

Tuesday May 16, 2017 / InDenver Times

The cleanup process began Tuesday morning for towns around the Denver area, after a violent hail storm hit the area on Monday. Initially moving from the southwest and dumping heavy snow on Telluride and Crested Butte, the storm system began dropping large chunks of hail as it made its way over Centennial and and Highlands Ranch. Northglenn, Thornton, and Aurora were all hit hard by hail from the storm.

Homes and businesses throughout the area saw extensive damage from the storm. The ice destroyed many roofs and other housing structures, leaving holes for water to seep in through. One restaurant on Arapahoe Road had buckets placed throughout to collect water coming in through its hail-damaged roof.

Auto dealerships along Arapahoe Road were left with millions of dollars in damage after cars in their lots took a beating from the storm. One auto dealer said that over 850 new and pre-owned vehicles had extensive damage to them. Most cars take around two years to depreciate 20-30% in value. For cars in the Denver metro area on Monday, it took one afternoon.

Outside of dealerships, hail-stricken cars lined the streets with cracked windshield and mirrors, leaving car insurance companies with a lot of work in the following days.

For those making car insurance claims, insurance professionals advise photographing damage to keep a record. Cars are only covered for hail damage if the owner purchased a comprehensive insurance policy. If they did, they will still have to pay the deductible. If damage is minor, insurance experts don’t recommend making a claim, as the cost of minor repairs for hail-damaged vehicles is usually less than the amount of the deductible.

Although many property owners and businesses were hit hard by the flash hail storm, some are trying to make the best of a bad situation. Groove Ford and Mazda is offering major price discounts on its hail-damaged vehicles. Car buyers can get as much as $18,000 off cars that were affected by the storm.

Insurance Claim Tips

Finding out that your roof needs to be replaced or repaired can be troubling for many homeowners. Dealing with an insurance claim, talking to adjusters and making sure you get reimbursed for all covered damages is a daunting process. Many homeowners are simply unsure about how to file a claim, where the process can be problematic, what types of documentation they need, or what to expect.
To a home insurance company, the roof is the most important part of your house. It’s the gateway to far greater damage claims once it’s damaged. In more than 90 percent of hail or high-wind claims, there is a payout relative to the roof cover, according to the Insurance Institute for Business and Home Safety. Insurance companies review roofing claims very carefully and they expect you to provide proper documentation and other information in order to process your claim.

What does your policy cover?

The easiest way to know what’s covered or what’s not, is to contact your insurance provider.

Some policies take the age of your roof into account at the time it is damaged. For example, if your roof is less than 10 years old, you may be covered for the full cost of repairing or replacing the damaged section of your roof at the time of the claim. If your roof is more than 10 years old, you may only be reimbursed for the depreciated value of the damaged roof. The depreciated value takes the aging and wearing of your roof into account, meaning its value has decreased prior to any damage occurring.

Some policies will only offer roof damage coverage up to the depreciated value, regardless of the age of your roof. Other policies will cover the full cost of repairing or replacing the damaged section of your roof at the time of the claim, regardless of the age of your roof. In most cases, your insurance company will send an inspector to your home to investigate and verify your claim. If the damage is determined to be from aging, wear and tear, or poor condition of your roof, it will typically be considered normal maintenance, and will not be covered under your policy.

Provide Documentation for Your Claim

To ease the experience of the claims process and to help you receive proper settlement for your loss, take a set of “before” photos of your roof and exterior property. Update the photos whenever you have maintenance or repairs done. After damage occurs, take a set of “after” photos. Document and record the damage as well as any estimates, invoices and bills you receive. Having all of this information on file will help ensure a smooth and hassle-free claims process.

Choose a Contractor with Insurance Claim Expertise

Before you can get work done on your roof that will be covered by insurance, you will need to get an estimate from a professional roofing contractor.  In most cases, you can use the roofing company of your choice. Your roofing contractor should be able to help you navigate your way through the roof insurance claims process. Some roofing companies employ Certified Public Adjusters who will deal with your insurance company on your behalf. Look for contractors with extensive experience in providing roof estimates for insurance claims and helping clients navigate the process of getting their roof repair or replacement covered by their insurance company.

The most important thing to remember is that, if you suspect your roof has been damaged, you shouldn’t wait to get it inspected by a roofer. Find out the extent of the damage as soon as possible. This will help expedite the process and also help you avoid further damages that might not be covered under your policy.