How do I know if I should change the roof? | UNIVISTA INSURANCE

How do I know if I should change the roof?

How do I know if I should change the roof of my house? Idiomatic expressions convey the meaning of what is being expressed better than using other expressions. This is the case with the phrase “put a roof over your head” or “have a roof” to refer to having a house. The roof is the structure of the property that symbolizes like no other the image of a home or dwelling.
This importance is not only semantic but also practical, as the condition of the roof can influence the price of a property and be the excuse for an insurer to reject writing an insurance policy.
Therefore, it is essential to maintain the roof in good condition and be aware of symptoms that indicate that it is time to change it. The lifespan of a house’s roof will mainly depend on the type of material it was built with. For example, an asphalt shingle roof usually lasts 15 to 20 years, a metal roof lasts up to 50 years, while a tile roof can exceed 70 years.
Despite these general limits, each roof is subject to specific factors that can make its lifespan longer or shorter. Among them are the risks of hurricanes, storms, hail, tree impact, fire damage, or animals such as termites and rodents.
Among the factors that usually extend the life of roofs, the main one is good maintenance, for which it is essential to observe the first signs of deterioration and act accordingly.
Your roof needs attention if you notice a broken tile or see any water leaks. Asphalt shingles begin to lift, lose their granules, bulge, or when a storm knocks a tree onto your home. Depending on the severity of the situation, you may need to replace or simply repair the roof.
Currently, under the new law, if your roof is approaching the limit of its lifespan, insurers cannot reject it if an inspection concludes that due to its good maintenance, it has at least five years of life left. But if your roof shows signs of deterioration and is a few years old, it is best to plan to replace it before its condition causes damage to your property that the insurer will refuse to cover.
Finally, if you are looking for an affordable home insurance, contact Univista Insurance. How do I know if I should change the roof of my house?

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