Leaks & Service Repairs

757-399-3066 ext 3 (Leaks & Service Repairs)

Reroof Estimates & Inspections

757-399-3066 ext 1 (Reroof Estimates & Inspections)

Tag: roof leak damage

How to Pay for a New Roof

Reroofing your home is a major investment, and it’s not always one you were expecting or planning for. This can make it difficult to pay for a roof replacement out of pocket. So how are you supposed to fund a new roof without draining your bank account? Here are a few options that may be available to you.

Insurance Claims

If your roof was damaged during a storm or other catastrophic event, the replacement of it, or the repair costs, may be covered by your homeowners’ insurance. The amount that may be paid out and the process through which you receive this money is different from policy to policy. It’s a good idea to review your homeowners’ policy every year or so to make sure it is still providing the coverage you believe your home may need. For instance, in areas like Hampton Roads, it’s a good idea to make sure you have hurricane, high wind and flood coverage in your policy.

At Andrews Roofing, we work closely with our clients who are going through an insurance claim for roof repair or replacement, providing any necessary paperwork or information they may need to ensure their claims are accurate and paid accordingly.

Home Improvement Financing

If you are replacing your roof because your current roof has reached the end of its life span, you can expect to be paying for it in full on your own. This can be daunting, as new roofs are one of the largest home improvement investments you may make. Fortunately, there are home improvement financing options available. At Andrews Roofing, we work with GreenSky® financing, which offers a variety of different financing options to consumers. They offer financing up to 120 months with fixed rates as low as  9.99%. They also offer 12 month no interest, no payments options for those who qualify.

Applications may be done online quickly and easily, and once you are approved you are provided with a 16-digit account number, which you can then use like a credit card to make payments for the work being done. You have four months after you are approved to make your qualified purchases to the approved merchant, so it’s best to wait to apply until the project is ready to begin.

Home Equity Loan

Depending on the amount of equity you have in your home, another financing option may be to go through a bank or credit union for a home equity loan. The housing market and interest rates are in a great place for homeowners to take advantage of the equity they have in their home in order to make improvements on it. If you know your roof is reaching the end of its lifespan, you may consider taking out a home equity loan to replace it before there are leaks that may cause damage to the interior of your home.

A new roof can also increase your home’s value and make it more appealing to potential buyers if you’re considering moving any time soon. Home equity loans generally do not have strict rules about how long you have to use the money or what exactly it needs to be used for, so if you’re considering doing multiple projects around your house, or you just aren’t sure when you want to begin the work, a home equity loan may be a more flexible option for you.

Manufacturer Warranties

Most material manufacturers have a warranty of some length on their products, provided they are installed correctly by a licensed contractor. If your roof is still within its expected lifespan and warranty period, but you have experienced leaks or other damage, the repairs or replacement may be covered by your warranty. Even if you didn’t have the roof installed yourself, there may still be a transferred warranty from the person who did have it installed.

The best way to determine if the damage or leaks you’re experiencing are caused by the materials is to have a licensed roofing contractor come and inspect your roof. In addition to identifying the cause of the damage, they can also identify the materials that were used so that you can reach out to the manufacturer about a potential warranty. Keep in mind, however, that you will likely need to provide some sort of proof of the installation being completed by a qualified contractor and paperwork showing that the materials were purchased for that purpose.

We Can Help

At Andrews Roofing, we are happy to work alongside customers using a variety of methods of payment for their roof repair or replacement. Whether you’re paying out of pocket, filing an insurance claim or applying for some type of financing, we will help guide you through the process while providing excellent workmanship and products. All of our work is guaranteed, and we use some of the best materials on the market, all of which provide their own manufacturer’s warranty. Contact us today to get started.

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Anatomy of a Roof Leak

No one wants to hear that dreaded “drip drip drip” that means you’ve got a roof leak. Or looking up and suddenly seeing a big dark spot on the ceiling. But when you do, your first thoughts are probably “how did this happen?” and “where exactly is this coming from?” Understanding the answers to these two questions is the key to getting your roof leak fixed quickly and efficiently and also to possibly avoiding them in the first place.

How do roof leaks start?

Typically, a leak will start one of two ways: damage or deterioration. However, there are many different types of both damage and deterioration that may have occurred and that might not be immediately obvious. Here are several that are common for homes in the Hampton Roads area.

Storm Damage

This likely is the most obvious source of a roof leak and also one of the most common in the Tidewater region. Thanks to hurricanes, nor’easters, snow storms and torrential rains, there are myriad ways a Hampton Roads roof can be damaged. But storm damage isn’t always as obvious as a giant tree falling through your roof. Sometimes damage can occur that isn’t noticeable right away. Hurricane force winds can blow flashing off a house, which can eventually lead to water damage and leaks. Winter storms can cause limbs heavy with snow or ice to drop onto a roof and cause a hole that you aren’t able to see or hear right away. Torrential rain can cause gutters to overflow and damage roof decking.

Your homeowners insurance may cover this type of damage, but you have to identify it and file your claim in a timely manner. This means that after each major storm, you should visually inspect your property for any damage on both the inside and outside of your roof. If you believe any damage may have occurred, you should call a licensed roofing company to come and physically inspect and provide any estimates needed for insurance purposes.

Clogged Gutters

Clogged gutters are a common cause of roof leaks, but they are also one of the most preventable. When gutters are clogged, water can build up on the roof, getting under the shingles and causing water damage that could eventually lead to a leak. If you notice dark spots on your ceiling near the outer edges of the house, this may be a gutter issue. Cleaning your gutters (or having them cleaned by a professional) 3-4 times a year is the best way to avoid this issue altogether.

Condensation

Believe it or not, a leak can start inside your home, without the exterior of your roof being damaged at all. That’s because condensation build up in an attic can cause interior leaks. This happens when there is not proper ventilation or proper insulation that would prevent extreme temperature changes – something that is not uncommon here in southeast Virginia. In addition to causing leaks, this condensation build up can also be the source of mold and mildew. Ensuring proper ventilation and insulation is installed in your attic and along your roof line is critical to avoid this type of leak.

Missing or Damaged Flashing

Flashing is just as critical to the integrity of your roof as shingles. Flashing is the metal that covers joints and seams on a roof, and when it is not installed and sealed properly, water can enter and damage the roof decking. If flashing isn’t well attached, it can move or get blown away during a storm. It also ages just like shingles, so corrosion or cracks in the metal could also allow water to enter your home. If some of your flashing is visible from the ground, inspect it after every major storm. However, some flashing may be difficult to see or access and in those cases, a licensed roofing contractor can inspect those areas if you believe there is an issue.

Deterioration

If your roof is nearing the end of its lifespan, it may be deteriorating and causing leaks. Every roof has a lifespan, although that number can vary greatly depending on the material used. For traditional asphalt shingles, 20 years is usually the lifespan. Fiber cement shingles can last closer to 30 and metal roofing can last for 50 or more years. As roofing materials age, they can become brittle and shingles may crack or warp, allowing water to get underneath. They may also fall off more easily – even during a less than severe storm. If you know your roof is nearing the end of its life, it’s better to replace it before a leak causes interior damage, requiring you to repair multiple areas of your home.

What to do when your roof starts leaking

When a leak occurs, it’s time to bring in the professionals. Roof repair can be dangerous for the average DIY’er and if not done properly, can cause more damage or void material warranties. Instead, research your local roofing contractors and find one with a good reputation in your community. The sooner you contact them, the less damage the leak can cause, so don’t put this task off.

At Andrews Roofing, we’ve been helping homeowners in Hampton Roads repair or replace their roofs for decades. We have experience with the specific types of damage and leaks common in this area, and we have the knowledge, skills and experience to make it right, right away. Contact us today.

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