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Reroof Estimates & Inspections

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Category: Andrews Roofing

Look Up: Finding the Outdoor Space You Didn’t Know You Had

Spring is almost here, and if you’re like most Hampton Roads homeowners, you’re probably already thinking about how to start shifting life more outdoors.

Maybe you’re planning to freshen up the patio furniture, fire up the grill, or finally tackle that landscaping project you’ve been putting off since fall. Outdoor living is one of the biggest perks of life in this region thanks to our mild temperatures, fresh coastal air and gorgeous spring weather.

But when you think about making the most of your outdoor space, are you only thinking horizontally? Most people default to ground-level thinking when it comes to outdoor living: the backyard, a patio, maybe a raised deck off the back door, which makes sense for most properties. But for a significant number of homes across Hampton Roads, the most valuable and underutilized outdoor space isn’t on the ground – it’s above your head.

With walkable roofing pavers, almost any flat roof surface can be transformed into functional, attractive outdoor living space. And in a region with as many potential water views as ours, the payoff can be big. To learn more about exactly what walkable pavers are, read our earlier blog on the material, but read on here to see how they can create possibilities in your own property that you may not have ever considered.

A Region Primed for Rooftop Life

Hampton Roads sits at the intersection of the Chesapeake Bay, the Atlantic Ocean, the Elizabeth River, the Lafayette River, the Lynnhaven, and dozens of creeks, inlets, and waterways threading through Virginia Beach, Norfolk, Portsmouth, Chesapeake, and beyond. We are, by almost any measure, one of the most water-rich metropolitan areas on the entire East Coast.

Water views in this region aren’t just nice to have – they’re a premium asset. Properties with water views command significantly higher prices, and for good reason. We all know that there’s something special about an unobstructed view of any one of these beautiful waterways.

The problem is that while a lot of Hampton Roads homeowners technically live near the water – even a stone’s throw distance – they miss the view completely because they’re experiencing it from the wrong elevation. Neighboring structures, fences, mature trees, and the general density of coastal neighborhoods can block what would otherwise be a stunning sight line. But go up one or two stories, and the picture changes completely. Here are a few neighborhood-specific examples.

Chic’s Beach

If you’ve spent any time in the Chic’s Beach neighborhood of Virginia Beach along the Chesapeake Bay, then you know that many of the properties there are three-story townhomes packed closely together, many of them sitting within a short walk of the Bay. From the street or the backyard (if there is a backyard), the views are often modest at best, blocked by the neighbor’s fence, the next row of townhomes, or a screen of vegetation. But from the rooftop of many of these homes, suddenly the Bay is right there.

A walkable rooftop terrace on a home in Chic’s Beach doesn’t just add outdoor square footage, it adds a premium view that expands the way you can live in your home and how much there is to enjoy. Morning coffee with the sunrise over the water, or evening breezes watching the boats come into the inlet – those are now realistic visions for the right property with the right walkable rooftop paver installation.

The North End

The north end of the Virginia Beach Oceanfront is one of the most coveted and valuable stretches of real estate in the region. Oceanfront and ocean-block cottages and homes, many of them multi-story, sit along some of the most beautiful Atlantic coastline on the East Coast.

For true oceanfront homes, a rooftop deck is an obvious enhancement: more square footage, higher elevation, more expansive views that can even include sunset views from the right spot. But perhaps the more compelling case in this area is actually for the ocean-block properties – those sitting just one street back from the oceanfront. At ground level, an ocean-block home may have limited water views. Add a rooftop terrace, and a home that was a short walk from the ocean suddenly feels oceanfront from the right vantage point. That’s a meaningful difference, both for everyday enjoyment and for the property’s value and marketability.

Inland Views and Little Yards

Water views make for a compelling story, but a rooftop deck doesn’t require an ocean backdrop to be worth pursuing. For many Hampton Roads homeowners the issue is simply that they don’t have a large enough back yard to truly enjoy their outdoor space. It may also be too exposed, too shaded, too uneven or often – too soggy.

Older neighborhoods across Norfolk and Portsmouth were often developed with modest lot sizes. Backyards can be small, awkwardly shaped, hemmed in by utilities or HVAC equipment, or simply too shaded and enclosed to feel like a real outdoor retreat. Ground-level patios in dense neighborhoods often feel exposed to neighbors visible on all sides, without any privacy or separation.

A rooftop terrace solves several of these problems at once. It creates usable outdoor space without expanding the home’s footprint. It often feels considerably more private than a ground-level patio level, you’re above the fence lines, above the neighboring yards, with a sense of openness and seclusion that’s hard to achieve at the ground. A flat roof over a garage, a first-floor addition, or even a main structure that’s currently just sitting there collecting leaves and weathering quietly may represent more functional outdoor square footage than anything available at ground level.

Keeping in Mind: Building Codes, Zoning, and Feasibility

Of course, a rooftop deck is not a possibility in every home or in every neighborhood. The feasibility of a project like this depends on a number of factors that need to be evaluated before getting too far down the road.

Structural capacity is the most fundamental consideration. A flat roof intended to become a walkable terrace needs to be assessed by a qualified contractor to confirm it can safely bear the additional load which includes not just the pavers themselves, but furniture, people, and anything else you plan to put up there. Walkable roofing pavers like Elevate SkyPavers are significantly lighter than concrete alternatives, but structural review is still essential.

Local building codes and zoning regulations also come into play. For most cities in our region, a rooftop deck will require a permit, and there are often requirements around railings or parapet walls for safety that must meet specific height and load standards. Neighborhoods governed by homeowners associations may have restrictions on rooftop modifications or additions. HOA documents are worth reviewing early in the process.

The right first step is a conversation with an experienced roofing contractor who can give you an honest assessment of what’s possible on your specific property. Many projects that seem complicated on the surface turn out to be very achievable once someone with the right expertise takes a look. And for properties where a rooftop terrace genuinely isn’t feasible, there are often other flat roof surfaces — over garages, additions, or lower-level sections of the home — that may present a workable alternative.

How Walkable Pavers Work

A walkable roof surface is created by starting with a TPO (thermoplastic polyolefin) white flat roof membrane, which reflects heat and protects the structure below. On top of that a drainage mat is installed, with the composite roofing pavers placed on top. The pavers sit on the drainage mat without being permanently adhered, which means the roof below remains accessible and the system can be adjusted or removed if needed.

We work primarily with Elevate SkyPavers, which are made from 95% recycled rubber tires, weigh roughly 35% of what comparable concrete pavers would, and carry a 20-year warranty with a lifespan that can reach 50 years. They come in multiple colors, they reflect heat rather than absorbing it, and they’re comfortable underfoot.

Done correctly by a contractor experienced with this system, the installation protects the roof below while creating an attractive, durable surface above. For the full breakdown of materials, installation, and eco-friendly benefits, take a look at our earlier post on walkable roofing pavers.

Spring Is the Right Time to Start the Conversation

Walkable rooftop paver projects involve assessment by a roofing contractor and often a general contractor as well as permitting, scheduling and of course – construction. They do not happen overnight, so if your goal is to have a new outdoor space ready to enjoy by late summer or fall, spring is the time to start planning.

Andrews Roofing has extensive experience with walkable roof surfaces throughout Hampton Roads, including demanding coastal environments where the right materials and installation approach really matter. If you’re curious about what might be possible on your property, we’d be happy to answer your questions. Contact us today and we’ll give you an honest picture of what your rooftop could become.

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How a Home Renovation Can Impact Your Existing Roof

Are you planning a big home renovation this spring to add a screened in porch, a sunroom, second story addition, kitchen expansion or anything else that affects the footprint of your home?

If so, you’ve probably been focused on floor plans and layouts, but it’s time to look up. One very critical component can be overlooked in the early stages of renovation planning: how the new structure will tie into and affect your existing roof system.

We work with plenty of homeowners in Hampton Roads who are surprised to learn that a renovation may require more than just “adding on” a little extra roofing. Here’s what you should know before construction begins so you can plan and budget accordingly.

When New Roofing Has to Tie into an Existing Roofline

Even if the existing shingles look fine from the ground, portions of the original roof may need to be removed to ensure the tie-in is watertight and structurally sound. A roof is a system, not just shingles. Proper flashing, underlayment, decking, and ventilation all have to work together. When a new roof section is integrated, those components must align seamlessly with the original system.

When you add a screened porch, covered patio, garage, or full home addition, the new roof must physically connect to the existing roof system. This connection point is often where issues arise. During construction, contractors may need to open up sections of the existing roof decking, depending on how the new structure ties into your existing structure. A new roof tie-in can involve creating a new valley where the two roof planes meet – a critical juncture point that can make or break the integrity of a roofing system.

At minimum, it will require removing existing shingles to properly install flashing and underlayment or even modifying the roof decking or underlying rafters for structural support. They may also need to modify the home’s framing to support any new load. This is especially true for second-story additions or large bump-outs. New ridge or soffit vents may be necessary, and gutters and downspouts are likely to be rerouted. Finally, the ventilation in your attic may need to be adjusted to accommodate an expanded footprint.

Will You Have to Replace the Entire Roof?

The answer really depends on several factors to determine whether a partial replacement is sufficient or whether a full roof replacement makes more sense.

  1. Age of the Existing Roof. If your roof is nearing the end of its lifespan (for example, a 20-year-old architectural shingle roof), it may not be cost-effective to tie new roofing into aging materials. You could end up replacing the entire roof a few years later anyway.
  2. Condition of Existing Materials. If there’s curling or brittle shingles, granule loss, prior storm damage, or soft decking, a full replacement may be necessary. Unfortunately, some of those issues may not be apparent until construction begins.
  3. Matching Materials. Shingle colors and product lines change over time. If your current shingles are discontinued, the new section may not match perfectly. For homeowners concerned about curb appeal this can be a deciding factor.

In many cases, homeowners choose to replace the entire roof during a major renovation simply for aesthetic continuity, long-term value and getting all of the construction out of the way at once.

What to Expect

Every type of renovation project is different, but there are some similarities across certain types of projects.

Screened Porch or Covered Patio

These projects often involve cutting into the existing roof line to create a new connection and new slope. Expect partial shingle removal and new flashing installation.

Garage Addition

This may create new valleys and require significant integration into the main roof structure. Expect removal of some existing roofing materials, possible structural changes to rafters and roof decking.

Second-Story Addition

Adding a new story to a home typically requires removing large portions (or all) of the existing roof structure. The new structure will require a new roof system, and whether or not that ties into your existing roofline will depend on the design.

Bump-Out or Kitchen Expansion

Bump outs can involve complex transitions and slope changes that demand careful waterproofing and sound structural design and construction. Expect that significant changes will need to be made to the existing roofline and plan for the possibility of needing to replace all exterior roofing materials in order to have a seamless transition to the new structure.

Timing Matters in Hampton Roads

Because of the unpredictable weather patterns we see across Southeast Virginia, scheduling roofing work strategically during renovations is important. Temporary exposure during tie-ins can create vulnerability if unexpected rain or storms roll in. Coordination between your general contractor and roofing contractor ensures that materials are delivered and staged properly, that open roof sections are protected, and that the installation sequence minimizes risk to your home. Bringing in a licensed roofing contractor during the planning phase before framing begins can prevent costly change orders and water intrusion issues later.

The Bottom Line

A home renovation doesn’t just expand your interior living space, it changes much about your home’s exterior, including the roofing system. Sometimes a tie-in is simple. Other times, it’s an opportunity to upgrade aging materials, improve ventilation, or invest in a full replacement that enhances both curb appeal and protection.

If you’re planning a screened-in porch, home addition, or structural renovation in the Tidewater Region, involving a local, qualified roofing professional early in the process can help you make informed decisions and avoid surprises. At Andrews Roofing, we’re happy to evaluate your existing roof, collaborate with your contractor, and help you determine the smartest path forward for your home. Contact us today.

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DIY Roof Repairs: What Could Go Wrong

“What could go wrong” when trying to repair your own roof isn’t a question – it’s an inevitability.

We know many homeowners take pride in tackling repairs and home improvement projects themselves. Leaky faucet – easy enough. Swapping out a light fixture? A little more complicated, but doable for the advanced weekend warrior. But when it comes to your roof, the DIY mindset can quickly turn from “I’ve got this” to “I’ve made a very expensive mistake.”

It’s not uncommon for our office to get calls that start with, “Well, we tried to fix it ourselves…” Roof repairs are one of the most commonly underestimated home maintenance tasks and also one of the most dangerous. Here’s a look at the roof repairs we see homeowners often attempt on their own, and what can (and frequently does) go wrong.

Common DIY Roof Repairs Gone Wrong

1. Replacing a Few Missing or Damaged Shingles

No big deal, right? On the surface, this seems straightforward: remove the damaged shingle, nail a new one in place, seal it, and move on.

What goes wrong:

  • Improper nail placement can puncture the underlayment, creating new leak points
  • Incorrect shingle alignment disrupts water flow
  • Using the wrong type or color of shingle compromises performance and appearance
  • Sealant is applied incorrectly or not at all

In Southeast Virginia, where heavy rain and high winds are common, even small installation mistakes can allow wind-driven rain to penetrate the roof system, causing more damage than what likely would have happened if you’d left the shingle alone.

2. “Patching” a Roof Leak with Sealant or Tar

Caulk and roofing tar feel like quick, easy, and affordable fixes for a leak, and they’re often the first thing homeowners reach for. But this “quick fix” can cause long-term problems.

What goes wrong:

  • Leaks are rarely where water enters the home; they travel along decking and framing, so sealing an area where the leak has penetrated is probably not solving the problem
  • Sealants dry out, crack, or wash away over time
  • Patching the visible issue masks the underlying problem

In humid coastal climates, trapped moisture can lead to rot, mold, and decking failure long before the leak becomes obvious again, which means you’ve created a secondary problem that is now going to require structural repair.

3. Cleaning or Adjusting Flashing

Loose flashing around chimneys, skylights, and roof penetrations is a common DIY target. You can easily see the problem and the solution feels straightforward. But this fix actually takes much more skill than you would imagine.

What goes wrong:

  • Flashing is bent or reinstalled incorrectly
  • Existing waterproofing layers are damaged
  • Fasteners are driven into the wrong locations

Flashing failures are one of the leading causes of roof leaks—and one of the easiest ways for DIY work to create long-term water intrusion. Not to mention this type of work is particularly dangerous for someone not accustomed to working on roofs.

4. Gutter “Fixes” That Affect the Roof

Homeowners often clean, reattach, or adjust gutters without realizing how closely they interact with the roofing system.

What goes wrong:

  • Improper pitch causes water to back up onto the roof edge
  • Fascia boards are damaged during reattachment
  • Hidden water damage and rot go unnoticed

In areas like Hampton Roads, where sudden downpours are common, poor drainage can overwhelm roof edges and accelerate deterioration.

What DIY Roof Repairs Can Really Cost You

1. More Damage Than You Started With

One misstep—literally or figuratively—can turn a minor issue into structural damage. Water intrusion doesn’t announce itself right away, and by the time it does, repairs are often far more extensive (and expensive) than the original problem.

2. Voided Warranties

Many roofing manufacturers require that repairs and modifications be performed by licensed professionals. DIY work – even when well-intentioned and effective – can void material warranties, leaving homeowners unprotected when future issues arise.

3. Insurance Complications

If a DIY repair fails and causes interior damage, insurance companies may deny claims due to improper workmanship or unlicensed repairs. This is especially risky following storms or high-wind events common in Southeast Virginia.

4. Serious Safety Risks

This is the part that cannot be overstated.

  • Roofs are steep, slick, and unforgiving
  • Asphalt shingles become dangerously slippery in heat, humidity, or after rain, especially when covered with mold or mildew
  • Falls from even one story can result in severe injury

Every year, homeowners are seriously injured attempting roof work because they don’t have the proper knowledge, safety equipment or understanding of structural weak points of their own home. Don’t damage your home AND yourself with risky DIY repairs.

When in Doubt, Call a Professional

Professional roofers understand the composition of a roofing system, how water behaves under different weather conditions, how the regional climate impacts materials and installation, and how to work safely in their environment.

A professional roofing inspection can often catch issues homeowners didn’t even realize were connected to the issue they’ve identified, saving them from much more costly repairs down the road. So, if you’re noticing missing shingles, leaks, sagging areas, or storm damage, or even if you’re unsure what you’re seeing but you know something is wrong, calling a licensed roofing professional is the safest, smartest first step.

DIY projects have their place, but your roof isn’t one of them. Contact Andrews Roofing today.

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Why Choose Metal Roofing?

When it comes time to replace your roof, or even if you’re building a new construction home, most homeowners default to traditional asphalt shingles. While asphalt remains a popular and budget-friendly option, metal roofing has steadily gained traction across Southeast Virginia, and for good reason. From durability and energy efficiency to curb appeal, metal roofs offer long-term value that makes it hard to count them out completely. If you’re considering a roof replacement, here’s what you should know about current metal roofing options to help determine if it’s the right choice for your home.

The Basics of Metal Roofing

Metal roofing systems are made from large metal panels installed over your home’s roofing structure. These panels are typically manufactured from galvanized steel, aluminum, copper or zinc.

Steel and aluminum are the most common choices for residential homes due to their durability and cost efficiency. Panels can be designed in a variety of profiles—from traditional standing seam to metal shingles that mimic slate, wood shake, or tile.

Modern metal roofing is engineered with protective coatings that resist corrosion, fading, and rust, making it well suited for coastal and humid climates like ours. Aluminum metal roofing is always our choice for homes within a half mile of the bay or ocean, as it is non-corrosive, making it a good choice for just about any home within our region.

The Cost of Metal Roofing

Metal roofing typically costs more upfront than asphalt shingles. However, metal roofs often last two to three times longer than asphalt or even more, when installed and maintained correctly. When you factor in fewer replacements and lower maintenance costs over time, metal roofing can be a more cost-effective option long term, depending on how long you plan to live in your home.

Why Metal Roofing Makes Sense in Southeast Virginia

Our region’s climate plays a major role in roofing decisions. Between summer heat, coastal storms, high humidity, and occasional hurricanes, your roof needs to work hard year-round. Here’s how metal roofs do that:

  • Exceptional Durability in Severe Weather. Metal roofs are highly resistant to high winds, heavy rain, flying debris and hail. Many systems are rated to withstand wind speeds up to 140+ mph, making them a smart choice for storm-prone coastal areas.
  • Heat Reflection & Energy Efficiency. Metal roofs naturally reflect sunlight instead of absorbing it. This can reduce the temperature in your attic, which can lower cooling costs and improve overall energy efficiency. For Hampton Roads homeowners battling long, hot summers, this can make a noticeable difference on energy bills.
  • Aesthetic Appeal for Local Architecture. Metal roofing isn’t just functional, it’s stylish too. Locally, metal roofs really shine in farmhouse-style homes with classic standing seam metal that enhances their rustic charm, beach homes thanks to their sleek profiles that complement a modern seaside aesthetic, and on accent roofing, such as over porches or dormers for visual interest. With multiple colors and finishes available, metal roofing can elevate just about any home’s curb appeal.

What to Expect from a Metal Roof

Long Lifespan

A properly installed metal roof can easily last 40–70 years, compared to 20–30 years for asphalt shingles. When the factory applied Kynar paint finish is applied to a metal roof, it can reasonably last a lifetime, making it the last roof you will ever likely install on your home.

Strong Manufacturer Warranties

Many metal roofing systems come with 30–50 year material warranties, fade and finish protection, and wind and impact coverage. Your roofing contractor can help you understand the specific warranty options available.

Outstanding Performance

Metal roofs are fire resistant, resistant to mold and algae growth, less likely to crack or warp and they also shed rain efficiently, reducing the risk of water intrusion.

Minimal Maintenance

Metal roofs require very little upkeep. You can expect to do occasional debris removal, periodic visual inspections (from the ground or windows!), with special attention to fasteners and sealants. No heavy maintenance is required.

So, Is a Metal Roof Right for You?

Metal roofing is an excellent option if you’re looking for long-term durability, energy efficiency, storm protection, and a roof you won’t need to replace again anytime soon. If you have a traditional farmhouse style home, or a clean, modern design, different styles of metal roofing may work particularly well. If you have the budget upfront, you will find that the investment is worthwhile for peace of mind and long-term savings. Even if you’re not planning to stay in your home forever, a metal roof can increase the value of your home and be a great selling point as buyers will appreciate the extended warranties and low maintenance.

Talk to a Local Expert

Every home is different, and the best roofing choice depends on your budget, style preferences, and long-term goals. At Andrews Roofing, we specialize in helping homeowners throughout the Tidewater region explore their options and choose the right roofing system for their home. If you’re curious about metal roofing or any other type of roof replacement, contact our team today.

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Resolve to Protect Your Home with a Seasonal Maintenance Checklist

Start the new year out right by checking a few important items off your home-maintenance to-do list.

Just like setting personal resolutions at the first of the year, resolving to take better care of your home, and especially your roof, is an investment that pays off all year long.

In Hampton Roads (HRVA), roofs face a unique combination of challenges: coastal humidity, salt air, heavy rain, high winds, summer heat, and the occasional winter freeze. Seasonal maintenance helps homeowners catch small issues early, protect their roofing system, and extend the life of their roof.

We’ve broken down your annual roof care into seasonal, home-owner safe checklists to make these tasks manageable and effective – without ever having to climb on the roof!

Winter: Monitor & Protect

While winter doesn’t usually bring heavy snow to Southeast Virginia, cold snaps, fluctuating temperatures and freezing rain can still cause issues.

Winter Maintenance Checklist

  • Watch for interior warning signs: Keep an eye out for water stains on ceilings or walls, peeling paint or unexplained humidity in certain rooms or areas.
  • Check attic moisture levels: Condensation or frost inside your attic may indicate ventilation problems, which could be fixed just by shifting insulation.
  • Monitor roof edges: Heavy icicles or uneven melting can signal insulation or airflow issues from the inside.
  • Avoid walking on the roof! Use a roof rake from the ground if necessary, never climb on icy surfaces.

Why it matters to HRVA: Our inconsistent winter temperatures can cause freeze-thaw cycles that even when brief can make existing cracks worse or create gaps around flashing.

Spring: Reset After Winter Weather

Even mild winters can leave behind hidden wear and tear, especially after wind events and fluctuating temperatures.

Spring Maintenance Checklist

  • Do a ground-level roof inspection: Look for missing, curling, or cracked shingles as well as visible damage around chimneys, vents, and flashing. Do a visual inspection to see if any sections of gutters have pulled away from the roofline and ensure all gutter downspouts are still securely attached.
  • Clean gutters and downspouts: Remove leaves, pine needles, and debris and ensure downspouts are directing water well away from your foundation.
  • Inspect attic ventilation: Look for moisture, condensation, or mildew and make sure soffit and ridge vents aren’t blocked by insulation.
  • Trim back trees and branches: Prevent damage caused by overgrown or loose limbs and reduce debris buildup during spring storms.

Why it matters to HRVA: Spring rains are frequent, and clogged gutters or compromised flashing can quickly lead to leaks if winter damage isn’t addressed.

Summer: Manage Heat, Humidity & Storm Exposure

Southeast Virginia summers bring intense heat, high humidity, and sudden thunderstorms – all of which put stress on roofing systems.

Summer Maintenance Checklist

  • Check attic insulation: Look for compressed, displaced, or damp insulation. Uneven insulation can trap heat and drive-up energy costs.
  • Monitor attic temperatures: Excessive heat may indicate poor ventilation – upper floors that feel noticeably hotter can be a warning sign.
  • Inspect roof for gaps: From the ground, check vent boots and flashing for cracking or separation.
  • After storms, perform visual checks: Look for new debris, shingle movement, or granules collecting near downspouts, which could signal shingle deterioration.

Why it matters to HRVA: High heat accelerates shingle aging, while humidity and poor ventilation can lead to moisture problems inside the attic—especially in older homes.

Fall: Clear, Seal & Prepare for Cooler Weather

Fall is one of the most important seasons for roof maintenance—and one of the best times to address minor issues, when the temperatures are more forgiving.

Fall Maintenance Checklist

  • Thoroughly clean gutters: Falling leaves can quickly cause blockages and backed-up gutters can lead to fascia damage and interior leaks.
  • Inspect flashing and seals: Pay special attention to chimneys, skylights, and vent pipes. Any loose flashing or separating seals are bound to invite issues when the winter temperature fluctuations start.
  • Check attic air sealing: Look and feel for drafts around attic hatches or recessed lighting. Drafty air or increased temperatures may indicate the need for insulation replacement or better sealing.
  • Schedule a professional roof inspection: Fall is ideal for preventative maintenance before winter weather arrives.

Why it matters to HRVA: Fall storms and lingering humidity mean small vulnerabilities can worsen quickly if left unattended.

Resolve to Protect Your Home

Resolving to care for your roof season by season is one of the smartest and easiest ways to protect your home’s structure, comfort, and value. Routine visual checks and preventative maintenance can help extend the life of your roof, reduce emergency repairs, and identify issues before they become costly problems.

Andrews Roofing is here for every season.

If your seasonal checklist reveals concerns, or if you’d simply like an expert set of eyes on your roof, Andrews Roofing offers professional inspections and maintenance services throughout the Tidewater region. Our team understands the unique demands of the local climate and can help keep your roofing system performing its best year after year. Contact us today!

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Should You Make an Insurance Claim for Your Roof Damage?

In Southeast Virginia and the Hampton Roads region, roofs can take a serious beating.

Between strong coastal winds, heavy rain, tropical storm systems, and intense summer heat and humidity, it’s common for homeowners to discover roof damage and wonder if it’s just normal aging—or something that should be covered by insurance.

It’s a common homeowner question that we encounter: “Should I file an insurance claim for this?” Knowing the difference between everyday wear and tear and storm-related roof damage can help you avoid unnecessary claims, out-of-pocket expenses, and frustration with your insurance provider. Here’s how you can tell the difference—and what to do next.

Normal Roof Wear and Tear: What Insurance Typically Does Not Cover

Roofing materials naturally age over time, especially in the coastal climate of Southeast Virginia. Insurance companies generally do not cover damage caused by gradual, natural deterioration or lack of maintenance. Common examples of normal wear and tear include:

  • Aging or brittle shingles that are near the end of their lifespan
  • Granule loss on asphalt shingles, typically from age and long-term sun exposure
  • Faded or discolored roofing materials
  • Minor cracking or curling that are age-related/typical
  • Small leaks caused by age—not a specific weather event

If your roof is 20–30 years old and showing these signs, it’s usually considered a maintenance or replacement issue rather than an insurable loss. In these cases, planning a roof replacement before major leaks develop is often the smartest move.

When Roof Damage May Be Covered by Insurance

Insurance typically applies when roof damage is caused by a sudden, identifiable event, such as severe weather. In Hampton Roads, this often means wind, hail, or tropical systems.

Roof damage that may warrant an insurance claim includes:

  • Missing, torn, or lifted shingles after high winds
  • Hail damage, including bruised or cracked shingles
  • Impact damage from fallen tree limbs or debris
  • Leaks that appear shortly after a storm
  • Damage from hurricanes, tropical storms, or tornadoes

If roof issues show up immediately after a major storm—or you notice similar damage throughout your neighborhood—it’s a good sign that the damage may be insurable.

Step One: Get a Professional Roof Inspection

Before filing a roof damage insurance claim, it’s important to schedule a professional roof inspection with a licensed roofing contractor that is local to the Hampton Roads region and knows our local weather as well as the local insurance providers. A trained roofer can determine whether the damage is storm-related or simply age-related. The inspection should:

  • Identify visible and hidden storm damage you may not be able to see from the ground
  • Document findings with photos and written notes which can be submitted to your claims agent
  • Provide a detailed repair or replacement estimate to give a “second opinion” to the insurance adjustor’s estimate
  • Help you decide whether filing a claim makes financial sense at all

Step Two: Complete the Insurance Claim Process

If your roofing contractor determines the damage is likely covered, here’s how the process typically works:

  1. File a Claim with Your Insurance Company. You’ll contact your insurer and provide details about the storm or event that caused the damage. This is where the information from the roof inspection will come in especially handy.
  2. Meet with the Insurance Adjuster. An adjuster inspects your roof and evaluates the damage. Your contractor can often be present to ensure nothing is overlooked.
  3. Review the Insurance Estimate. The insurance company provides an estimate outlining approved repairs or replacement, minus your deductible. You may want to have your contractor review the estimate to ensure nothing was overlooked or underquoted.
  4. Complete Roof Repairs or Replacement. Once approved, your contractor completes the work according to the claim’s scope, providing any necessary documentation for your insurance company.

Step Three: Keep It Local

Having an experienced Hampton Roads roofing contractor involved helps ensure the insurance estimate reflects the full extent of the damage as well as the cost of local labor — not just what’s immediately visible or generic.

While not every roofing issue requires an insurance claim, ignoring any type of roof damage – storm-related or otherwise, can lead to much larger problems, including interior water damage and mold. If you’re unsure whether your roof damage is normal wear or something insurance should cover, Andrews Roofing is here to help you make an informed decision. Contact us today for a professional inspection, clear documentation, and support throughout the insurance claims process —without pressure or guesswork.

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