Because of their appeal, durability and cost-effectiveness, asphalt shingles remain one of the most popular roofing options in the U.S. With proper installation and maintenance, this material can last for at least 20 years. A vital component of asphalt roofing is its granules. When you notice a significant amount of these granules in your gutters, it’s best to consult your local roofer.
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Read on to learn what asphalt roofing granules are and what their importance is.
Manufacturers usually make asphalt shingles by soaking a mat with asphalt. After this, the shingles are covered with granules, typically a mixture of quartz, slate, schist, vitrified brick, ceramic, or stone. These granules are essential in keeping your roof safe from the harmful effects of ultraviolet light. The more protected your roof is against the elements, the longer it will last.
It’s normal to see some granule loss from your newly-installed asphalt roof as these are excess during the manufacturing process. However, a huge amount of granules in your gutters is a sign that you need to call your contractor to have the roof checked. For your roof repair and replacement needs, you can depend on Earl W. Johnston Roofing, LLC. Aside from asphalt, we also specialize in metal and tile roofing.
If you have noticed that your asphalt roofing is balding, it means that the material is eroding. Shingles experiencing granule loss are more prone to break, crack, or curl under certain weather conditions. Once the shingles get damaged, they can cause water to leak into your home.
If you notice granular loss on your roof, it’s crucial to decide whether to repair the affected areas or replace the roof entirely. The right decision can save you money and extend your roof’s life.
When facing a granular loss on your roof, the decision to either repair or replace it depends heavily on the extent of the damage and the age of the roof.
Here are some practical steps to help you make the best decision for your roof’s condition:
Evaluate the Extent of Granular Loss
Consider the Age of Your Roof
Assess the Overall Condition of the Roof
Get Professional Advice
Plan for the Future
Dealing with roof damage can be stressful, but clearly understanding your insurance policy and how to file a claim can make the process smoother.
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By following these steps, you can more confidently navigate the insurance claim process for roof damage and ensure you receive the proper coverage for repairs or replacement due to granular loss.
This proactive approach helps maintain the integrity of your home and secures the financial investment in your roof.
Know Your Coverage: Familiarize yourself with what your insurance policy covers regarding roof damage. Look for details about incidents covered under acts of nature or wear and tear.
Check for Exclusions: Identify any exclusions that might affect your claim, such as specific types of roof damage not covered or limitations related to the roof’s age.
Take Photos and Videos: As soon as you notice roof damage, take clear, detailed photos and videos. This visual proof supports your claim by showing the extent and nature of the damage.
Maintain Records: Keep records of all communications with your insurance company, receipts for any immediate repairs needed to prevent further damage, and reports from free Oklahoma roof inspections.
Schedule an Inspection: Contact your insurance company to arrange an adjuster to inspect your roof. This professional evaluation is crucial for verifying your claim.
Be Present During Inspection: If possible, be present during the adjuster’s inspection. This allows you to ensure that all damage is noted and adequately assessed.
Obtain Multiple Quotes: Get repair or replacement estimates from several licensed roofing contractors before finalizing your claim. These quotes can provide a benchmark for what the insurance should cover.
Choose Reputable Contractors: Use contractors with good reputations and proper licensing to ensure your insurer trusts their estimates and subsequent repairs.
Follow Deadlines: Be aware of any time limits for filing claims stated in your insurance policy. Delaying beyond these deadlines can invalidate your claim.
Provide Complete Information: When submitting your claim, include all documentation, photos, videos, and professional estimates. The more comprehensive your submission, the smoother the claim process will be.
Review Settlement Offers: Carefully review any compensation offered by your insurance company. Make sure it covers all necessary repairs or a complete replacement if required.
Negotiate for Fair Coverage: If your insurance company’s offer doesn’t fully cover the damages or seems unfair, don’t hesitate to negotiate. You can also seek a second opinion or hire a public adjuster.
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