Does your insurance company have to replace your entire roof if your shingles have been discontinued and damaged in a storm? That is the question one of my readers asked and my answer is the same as always, it depends. In most cases insurance companies will replace your entire roof if you can no longer match the existing shingles such as t-locks. However, it depends on how the policy was written. Some companies are writing policies that will only repair damage and they don’t have to replace the entire roof, but only the plane that has been damaged even if the roof won’t match. Many times a hail storm comes in with a directional wind that only damages one side of the roof.

Asphalt roofing shingles, how do you choose your shingles? T-locks have been discontinued so are no longer an optionTamko Heritage, Owens Corning Oakridge, Certainteed Landmark, Atlas Pinnacle, and many others all look similar and are classified as architectural or dimensional shingles, the most common was a 30 year warranty, but they have changed to lifetime in most cases.

When a roof is not ventilated properly it may cause the shingles to age prematurely in many ways. In this case granule loss was most likely caused by the fact that even though this roof has a ridge vent, the soffit vents had been painted over. Proper ventilation requires movement of air. This can only occur when air can come in at the soffit and exhaust near the peak, Balanced ventilation is as important aspect of roofing as installing the shingles properly.

Many manufacturers have upgraded the warranties on their architectural shingles from 30 year, 40 year, 50 year and Lifetime to all Lifetime Warranties. The shingles have not changed and there are still many differences in the old 30 year and old 50 year shingles which includes weight and thickness of the shingle itself. The heavier and thicker the shingle the more capable it is to withstand severe weather conditions such as wind and small hail. The new warranties typically apply to the original homeowner or in some cases it is transferable to one additional homeowner. The warranties do not apply in most cases to commercial properties or homeowner associations etc. and in that situation will revert back to the original warranty coverage.

The photo on the left is of traditional solar panels consisting of polycrystaline cells, while the one on the right shows thin film technology. The most obvious difference in the two technologies is the aesthetics. Panels are typically set on stands, however, there are a few panels such as Eagle Tile’s Solar Save panel which can be incorporated into the roof itself. Thin film technology is a flexible almost fabric like substance that is being turned into shingles like Certainteed’s EnerGen shingle which is designed to work with traditional asphalt shingles or more often it is adhered to a metal roof such as the one above by Sheffield Metals.

Once upon a time (around 1930) there was a new shingle, the T-lock. Some say they were the original Thunderstorm shingle able to withstand the high winds that occur during storms, others say it was because they are shaped like a T and they interlock. The truth is they were a state of the art shingle once upon a time, however, times change.



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