If you’re thinking about replacing your roof, now is the perfect time to do it. Experts consider winter and spring to be the ideal seasons for this type of work, as there are fewer hurricanes, storms, and rains, reducing delays in the project. For those doing the work, winter is the best option because they have to endure less heat and sunlight.
What Type of Roof Should I Choose?
The most common options are metal roofs, traditional tiles, or the popular asphalt shingles. Each has its pros and cons.
- Asphalt Shingle Roof
Although these roofs last between 15 and 30 years, many insurance companies won’t cover shingle roofs older than 15 years. In a warm, humid climate like Florida, their effectiveness tends to decline over time, which can lead to leaks and general deterioration. - Metal Roof
Metal roofs have an average lifespan of 30 to 70 years. They are excellent for climates like Florida’s because they are made of materials resistant to moisture and salt corrosion. They can withstand winds of up to 120 miles per hour and reflect sunlight, helping to reduce energy costs by keeping the interior of the property cooler. However, their cost is higher compared to shingles. - Clay or Concrete Tiles
Clay or concrete tiles can last from 50 to over 100 years. They are highly resistant to fire, heat, humidity, hail, insect damage, and strong winds. Maintenance is simple and affordable, although the initial cost is higher than shingle roofs.
Impact on Homeowner’s Insurance
From an insurance perspective, there’s no difference in the premium cost based on the type of roof when it’s new. However, insurers will require roof replacement when it reaches the end of its lifespan.
Remember, this is the best season to replace your roof. Although it may seem counterintuitive, roofers are not overwhelmed with work during this time because, as the saying goes, “Most homeowners remember the roof only when it rains.”
With lower demand, you have a better chance of negotiating a good price for the job.
If you want more details about the impact a new roof can have on your homeowner’s insurance, call the specialists at Univista Insurance.