North Texas Wind and Rain
This spring in Texas we had a lot of rain and a lot of wind. Our Roof Replacement Contractors are are getting a lot of calls for missing shingles and wind damage. Most of the
damage that was caused this year, however, has not met the requirement for insurance
to replace your roof. That is good and bad news. Let me explain.
The good news is you won’t have to worry about the loads of paperwork and hassle that
it is to file an insurance claim. The bad news is that those roof repairs will have to be
done with money out of your own pocket. Most of the damage Fort Worth Roofing
Contractors are seeing falls well below your deductible and therefore is an expense you
pay without any added insurance funds.
With the bad news on the table, a lot of homeowners may be tempted to put off roof
repairs. After all a few missing shingles usually does not cause your roof to leak right
away. But those few missing shingles can cause more trouble than you realize. Let’s dig a
little deeper into the anatomy of your roof for me to explain.
Your roof is comprised of 3 levels. Think about this like your skin. Your skin is 3 levels
with each level protecting you in a different way. That is how your roof is designed. So
the first layer of your roof is your decking. This is bid sheets of wood that are laid down
on top of the frame of your house. This is what keeps things from coming through your
roof, like hail and rain and rodents. It is there to protect and should not be warped or
soft or have holes in it. This part of your roof should still be in good condition after the
The second layer of your roof is underlayment. This is a thin membrane that protects
your decking and the rest of your house from water. Your roof could sit with just the
underlayment for a few years and be okay if it is installed properly. But over time this
membrane will begin to weather with the heat, wind, and rain that we get here. It will
crack and allow water past and onto your decking. If you are missing shingles you may
be able to see this layer underneath where the shingles came off and again should still be
in good condition.
The third layer of your roof is your shingles. This protects the underlayment from
getting weather damage. It is designed to protect your roof from the harsh elements of
rodents, wind, and rain. There are channels in asphalt shingles that allow the water to
run off your roof in a pattern. This is called a water shed pattern and is very important
in keeping you dry. This is the area that has been torn up by the wind this spring. It is
the epidermis of your roof.
In order to maintain your home without having to make costly repairs to the rest of your
home, you should go ahead and replace those missing shingles. While you are putting off those roof repairs the second layer of your roof is being weathered. It is being beaten
by the sun and the wind and the rain. Squirrels can chew threw it. If your roof springs a
leak that is just a pinhole you might not know until it has seeped through your decking,
your insulation, your attic flooring, and finally your ceiling. Now you have inside
damage to repair as well as those few missing shingles. And I am relatively sure that
when you discover that your roof is leaking that it will not be at the most inconvenient
- Go ahead and call your insurance company. Ask them to send an adjustor out to
see if you have a claim. You never know what the adjustor will say. But it is
completely up to your insurance company and yourself to determine whether you
have a claim. It is actually illegal in Texas for roofers to adjust roofs. Make sure
that your insurance company is approving the claim and not your roofer.
- Once you know whether you have a claim or not, then start shopping for a
contractor for the roof repairs. You should talk to more than one contractor and
take into consideration more than just price. You want a company that will stand
behind their promises to you. Third party reviews are a great way to see what
your neighbors are saying about the contractor you are looking at. It is modern
day word of mouth.
- Have the roof repairs done and enjoy your peace of mind knowing that your roof
is ready to weather the next storm.