Missing, torn, unsealed, and curled roofing shingles are common warning signs that you should address immediately.
Often, missing shingles may lead to significant damage hidden underneath, which not only compromises the roofing system, but could cause moisture to get into the interior.
If water flows down a wall, or pours from around a ceiling fixture, you can detect the infiltration right away. Unfortunately, leaks caused by missing shingles may not be obvious or go unnoticed in obscure locations such as the attic.
Any knowledgeable roofing contractor can determine the extent of damage from missing shingles, and make recommendations for roof repairs. If you ignore the warning sign (s) for too long, it can result in significant and costly damage.
Missing Shingles Can:
Affect Your Home’s Insurability
Missing shingles can have a direct impact on the insurability of your home. Most homeowners’ insurance policies require the insured to take reasonable care to maintain the property in good condition in order for the insurer to pay out for any interior damage caused by a storm.
Let’s say that you file a claim which asserts that missing shingles caused interior damage to your home. If you fail to file a timely claim for the missing shingles or otherwise took the steps necessary to fix the problem, the insurance company can argue that you did not take steps necessary to mitigate damages.
Therefore, the insurer might agree to pay for the roof repair, but not the out-of-pocket costs necessary to repair the interior damage to your home.
Risk Your Homeowner’s Insurance Renewal
Many insurance companies conduct spot checks on the condition of the homes they insure. Also, when it’s time to renew your home insurance policy, the underwriter may request a curbside inspection and photographs of the property.
Missing shingles demonstrate a home that is in disrepair, and could lead to bigger issues. This could cause your insurer to send you a home insurance cancelation notice at renewal.
At this point, your only option would be to correct the condition as soon as possible, and ask the insurance company to reconsider cancelation. Even if your insurer reinstates the policy, you may incur a higher insurance premium because the insurer will consider you a higher risk.
Decrease The Value Of Your Home
Missing shingles project an unsightly appearance, which can deceased the perceived or real value of your home. If you plan to put your home on the market, missing shingles can turn off potential buyers.
Even if you receive an offer for your home, the appraiser and home inspector will note the missing shingles. The potential buyer will want to deduct the roof repair, as well as any interior damage from the price of the home.
Request A Free Comprehensive Roof Inspection
You may be tempted to fix the problem of missing shingles. However, climbing up on a roof can be dangerous. In addition, it takes a certain amount of expertise to identify the problems that may be associated with missing shingles, and to consider the various to repair the roof correctly the first time.
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If you are in search of a Frisco, TX area roofing company, look no further than Elevated Roofing. Call us today at 469-209-4600,
or visit:
Elevated Roofing
15222 King Rd, Ste 402
Frisco, TX 75034
469-209-4600
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