Author: Service Lifter

Signs that your roof needs repairing in Arizona

Written by Service Lifter on August 13, 2022. Posted in Roof Repair. No Comments on Signs that your roof needs repairing in Arizona

Roof Doctors in Arizona have been helping residents keep their roofs in working condition with our 25+ years of experience. Whether they need repairs or a new roof installed, we can help! In many cases you may not be sure if you need repairs in the first place. We’ll break down some signs that your roof in Arizona may need repairing. However we do offer a roof inspection service where we can take a look at your roof and show you any damage we might find.

What Are Some Signs That Require Roof Repairs in Arizona

On average a roof is recommended to be replaced every 12-20 years if you have composition shingles. With asphalt it can last 15-30 years. Wood shingles typically last 20-25 years. In between that time you’ll want to make sure there’s no damage causing leaks and shortening the lifespan of your roof in Arizona. With Roof Doctors, not only can we replace your roof when it’s time but we can help with any repairs it may need. Let’s break down signs that your roof may need repairing. It’s always a good idea to catch any issues before they cause any serious damage to the structure of your home.

A Leaky Roof

A lot of times a roof may have a very small leak that isn’t obvious. What you’ll want to do is keep an eye out for any staining on the ceiling or high up on the walls. Sometimes the leak may be so small you may only notice some paint peeling. We might not get a ton of rain in Arizona but all it takes is a very small leak to begin causing damage. This can also lead to mold, which can grow and expand to other parts of your home, creating a much bigger issue to deal with. This can not only lead to health issues but it can even reach into the wiring inside the walls causing short circuiting. Any sign of a small leak, and we recommend giving the Roof Doctors a call so we can inspect the roof and see what kind of damage has been done.

Your Roof Shingles Begin Curling

Shingles are designed to lay flat on your roof. They overlap each other and this helps keep water from entering the structure of your roof. Over time it’s possible that some shingles can begin to curl. Especially with the hot Arizona sun. Once the shingles start curling upward this exposes the roofing structure and can allow water to begin leaking inside. It can cause the wood to soften up and allow water to get into your home. Leading to even more issues.

The Sheathing Begins to Rot

The purpose of sheathing is to act as a protective layer for the roof’s structure. It’s below the shingles to help prevent moisture from getting into your roof. It’s usually made of plywood. Since it’s made of wood it’s very susceptible to rotting over time. Once it begins to rot it can reach a point wh3ere it can no longer support the weight of your roof. A sign of this inside of your Arizona home may be similar to a leaky roof. You may start seeing strains on the ceiling, cracked paint, or even sagging. This is a major sign that your roof is needing repairs and Roof Doctors can get the job done right for you!

Aging Roofs Require Repairs

Just like anything else in life, with age, things begin to lose their ability to provide its intended purpose. In Arizona we may not have severe wet weather, but the sun can do its damage to your roof. This will leave it vulnerable when we do receive any rain fall. While a roof is built to last you for years. That does not mean it wont have issues that will require repairing. Roofs can last you for 15+ years but the only way to make sure you get a full lifespan for your roof is to make sure you keep it in good shape. This means having inspections done and any repairs taken care of. This is where Arizona Roof Doctors can come in and help.

Will Insurance Cover Roof Repairs in Arizona?

We know that a roof replacement can be very expensive and in most cases insurance may cover the costs. You might be wondering if insurance will cover any repairs on your Arizona home’s roof. This will all depend on the policy you have with your homeowners insurance company. In many cases they will cover the costs if the damage was done by nature in ways that were unavoidable. The only way to know for sure is to contact your insurance provider for more details.

However, with Roof Doctors not only will we help with repairs or installation of a new roof but we can also help with the negotiations between your insurance provider. Give us a call today to schedule a free roofing inspection and we’ll help begin the process to getting your roof back in good shape!

Preparing Your Roof For Storm Season in Arizona

Written by Service Lifter on August 5, 2022. Posted in Roof Storm Damage. No Comments on Preparing Your Roof For Storm Season in Arizona

Storm season in Arizona has officially started, and this means it’s time to check on your roof. During storms wind speeds can reach 70-100 mph. If your roof is already having some issues, this can lead to major issues as it can wreak havoc on an unprepared home. Don’t know what to look for? Give Arizona Roof Doctors a call today and we’ll come out and give your home a thorough inspection and let you know how ready your roof is to handle severe storms. Contact us at (602) 892-9885 to schedule an appointment.

What to look for to prepare your roof for storm season in Arizona

First thing to check is for any damage to the roof that you can see. Begin by looking for discoloration, warping, or curling of shingles. When there is even minor damage to your roof, you may end up seeing bits of shingles in your grass or small deposits of shingle granules around the bases of your downspouts. This is a major indicator that you have damage on your roof. If your roof is cracking, chipping and deteriorating, this can speed up the process of needing to replace the roof. The damage will begin to spread during storm season in Arizona.

How Do Insurance Companies Handle Roof Issues Before Storm Season in Arizona

Insurance companies in Arizona will actually require and pay for temporary tarps to be placed on the roof to prevent any further damage to your home. This is part of the damage mitigation process any reputable contract will get done during the negotiations with the insurance providers.

Damage to your roof during a storm is considered an “act of god”. Which means it is no fault of your own and the insurance policy states it will cover the costs. This is due to the fact that there is nothing you can do to stop a storm from hitting your home. So after a severe storm it’s a good idea to begin the negotiations with them as soon as possible.

What Can I Do To Lower The Risk Of Roof Damage in Arizona Before Storm Season?

It’s important to be prepared during storm season in Arizona to avoid the headache of dealing with roof damage. There are a few things you can do to help protect your roof. This includes cleaning your gutters. Your gutter system helps with drainage. If they are clogged it can begin pooling water and increasing the risk of damage. Another way to protect your roof is by trimming trees on your property. It is possible for branches to break off and land on the roof, increasing the chances of damage. If you have the trees trimmed then this becomes less likely. Most important step of all is to give your roof a good inspection. This is where Roof Doctors can help in your prep process. We can send a certified professional to inspect your roof for any damage before a storm hits. We’ll know how to spot issues the average person may not notice. Give us a call today at (602) 892-9885 to schedule a free roof inspection today!

Dealing With Roof Damage After A Storm In Arizona

Written by Service Lifter on July 26, 2022. Posted in Roof Storm Damage. No Comments on Dealing With Roof Damage After A Storm In Arizona

Storm season has begun in Arizona. Our monsoon season begins in June and continues though September. This comes with humidity, thunderstorms, heavy rain, lightning, hail, strong winds, dust storms and extreme heat! Some of these can lead to roof damage to your home or business. If you need roof repair or replacement, Roof Doctors can help! If you still need to deal with your insurance company, we can help with your roof insurance claim! We can help make the process simple and quick! Let’s take a look at some of the most frequently asked questions about dealing with roof damage after a storm in Arizona.

Can you get storm damage on your roof in Arizona?

It’s possible to get storm damage on your roof in Arizona, but it’s unlikely. If you experience storm damage to your roof, you’ll want to file a claim with your insurance company as soon as possible. The cost of repairing or replacing a roof depends on the size and type of roof, so it’s difficult to give an estimate without more information. Generally speaking, though, repairing or replacing a roof can be expensive which is why you’ll want to get your insurance company to cover the damage. Roof Doctors can help!

How Do I Know If I Have Roof Damage?

It’s always good to have an inspection on the roof right after a heavy storm to file an insurance claim if necessary right away. If you did not get an inspection you might be wondering how you can tell if you have roof damage. Part of the roof’s job is to keep water from getting in. However, the water may be coming in and causing mold and moss before you even notice a leak on the inside. A leak can be so small that it’s noticeable but enough to cause moisture. In other cases you might see your ceiling sagging. This can happen when you have a leak in your room but hasn’t torn through a layer of your ceiling. Causing a big bubble to form. If you do experience any of these issues, give Roof Doctors a call at (602) 892-9885 for help in getting your roof back in working condition.

How To Protect Your Roof From Storm Damage

There is something you can do ahead of time to help protect your roof from having storm damage. That is to keep the trees around your home cut down. Many times a gust of wind can cause a branch to break and land directly on your roof. This can cause minor and severe damage. So it’s a good idea to get nearby trees trimmed down to avoid any damage from a broken tree branch.

When Should I File My Roof Insurance Claim After A Storm?

After a severe storm you’ll want to file an insurance claim for the storm damage on your roof as soon as possible. Some policies will have a certain amount of time you’ll have to file your claim. If you miss that period it can become harder to get your roof covered by your insurance provider. Give the Roof Doctors a call and we can help make the process easy and get it done as quickly as possible! We can provide the best roof repair or roof replacement service in Arizona. Contact us today to get started.

How Long Does A Roof Last In Arizona?

Written by Service Lifter on July 22, 2022. Posted in Roofing. No Comments on How Long Does A Roof Last In Arizona?

In Arizona, a roof can last anywhere from 10-50 years. The lifespan of your Arizona roof will vary based on the roofing system you have installed on your home or office. You typically have either a clay tile, shingle, or foam roof which is another factor you must consider.

Tile roofs can last up to 50 years, shingle roofs up to 30 years, and foam roofs approximately 15 – 25 years. Arizona is notorious for having one of the highest temperature summers, heat rise has a significant influence on a roof’s lifespan.

Roofing materials of superior quality can usually endure 50 years on your house, but the effects of the elements, including heat, UV radiation, rain and wind, may reduce their lifespan and cause damage. If you live in a city like Phoenix, or Scottsdale odds are your roof will last longer than desert areas like Yuma. If you’re looking for a roof replacement professional in Arizona, our team can not only help you, but give you tips on how to make your AZ roof last longer.

How often should you replace your roof in Arizona?

It is recommended to replace your Arizona roof once every 10 years. Most AZ roofing contractors recommend replacing your roof every 5 years because they know that home owners are not always the best with home maintenance. The recommendations are based on the estimated lifespan of a roof regardless of materials.

Contact our most convenient office near you, Mesa, Gilbert, Phoenix, Other. Arizona Roof Doctors Roofing is recognized as the best roofing contractor in the valley.

How Long Do Arizona Shingle Roofs Last?

It has a long lifespan and durability. Shingle roofing lifespans average about 30 years. Shingle roofs are a great option for homeowners in Phoenix, because it is thick and cost-effective.

Besides, shingles are known for being cost-effective and easy to replace. You won’t have to remove the present shingles before replacing them with fresh materials. More importantly, you have a roof that will last many decades making it worth the investment.

How Long Do Arizona Foam Roofs Last?

It’s time to replace the old foam and install a new one as soon as you detect any cracks or holes on the roof. If you ask if foam roofing is suitable for Arizona, I’ll say yes, provided that all necessary precautions are taken. Replacing a roof in 25 years is a long time.

To find out how long a foam roof will last in Phoenix, Arizona, look at the material, the installation procedure, and the finishing. The foam roof must be coated during installation and then re-coated at least once every five years after installation. Foam roofs can last 15 to 25 years, but if the installation and recoating processes are not followed, they will not see the 25-year mark.

How Long Do Rubber Roofs Last in Arizona?

Rubber roofs are some of the most durable. In Arizona, rubber roofs last up to 50 years before they need a full replacement. The synthetic rubber-like roofing material resists UV rays effectively, and will typically not break or crack. It has an elasticity of up to 300% making it able to withstand the extreme weather condition changes.

EPDM roofs have a standard lifespan of 50 years for both commercial and residential properties. They have high resistance to water, wind and UV radiation. If you’re looking for an Arizona Rubber Roof Installer, give us a call for a free quote (602) 892-9885.

Do Metal Roofs Last In Arizona?

Metal roofs in Arizona come in different options, including painted, corrugated, standing seam, and stone coated. A properly installed and maintained standard metal roofs can last more than 60 years in Arizona.

Metal roofs are ideal for Arizona homeowners because they’re highly resistant to wind, rain, and UV radiation. Since Phoenix is recognized for its strong winds, monsoon season, and sandstorms many home builders will recommend metal roofs on new homes.

Metal roofs are a highly desired roofing material because of their excellent impact resistance. They also have a strong ability to reflect heat from the sun.

Are Tile Roofs Durable In Arizona’s Heat?

For warm weather states like Arizona, slab concrete tile roofs are ideal. Concrete roofs will endure considerably longer than traditional asphalt shingles. Tile roofing is more energy-efficient and takes a long time to heat up making it perfect for Arizona home owners.

Tips To Make Your Arizona Roof Last Longer!

Your roof is your home. A leaking roof can cause significant property damage and collapse your entire building. If you live in the scorching heat of Arizona, it is critical to be proactive in order for your roof to survive its predicted lifespan.

Here are a few things you can do to achieve that:

Clear off a rooftop: cut off tree branches; remove leaves and humus; clear off debris; get rid of moss, and many more.
Ensure routine inspection
Maintain regular roof and home treatment and fumigations
Make use of quality materials
Prevent ice dams
Ensure proper installation: do not compromise underlayment (where necessary), recoating, and lot more.
Look out for holes, yellow or orange foam on the roofs
Ventilate the roof attic
Use appropriate roofing material
Replace roof when damage is beyond repairs

Contact Arizona Roof Doctors

Arizona Roof Doctors is ready to take on even the toughest roofing projects. We handle all projects from roof replacement, maintenance, new construction, even commercial roofing. Call for a free Arizona roof replacement or repair quote today (602) 892-9885!

How Much Does a New Roof or a Roof Replacement Cost in Arizona?

Written by Service Lifter on July 11, 2022. Posted in Roof Replacement. No Comments on How Much Does a New Roof or a Roof Replacement Cost in Arizona?

The roof is one of the most important aspects of any property. The average national price for a new roof is $15,800, with most homeowners spending between $10,000 and $25,000.

The final cost of a new roof or roof replacement in Arizona is determined by home size, roof surface area, roof covering, and geographic region. The cost generally breaks down to 40% for supplies and 60% for labor. Continue reading to learn everything you need to know about replacing a roof—or installing a new one.

What is the cost of replacing a roof by square feet?

The cost to replace a roof is anywhere between $5-$12 per square foot. This is based on the materials used to replace your roof. The larger the roof the more material will be used and will increase the cost of your roof replacement. If you would like a free Arizona roof replacement quote give us a call at (602) 892-9885.

Roofing requires an extra 50 to 100 square feet on average, because roofs are both sloping and extending beyond the home’s walls.

How Much Does It Cost to Replace a Roof Yourself?

The cost of a standard diy roof replacement ranges from $2,500 to $6,300. This price is less than half what you’ll pay if you hire a professional.

However, before you go out and purchase some shingles, you should understand that roof replacement is not a simple procedure. It necessitates a set of abilities and working at great heights with a ladder. Here are some things to consider before deciding to go the DIY route:

The process of removing the old shingles can be difficult if not trained.
There are some potential hazards associated with this job, such as losing one’s balance or having line of sight issues, which must be taken into account while completing the work. In general, climbing a rooftop alone is not advised.
It’s a lot more complicated than simply replacing shingles. You also need to factor roof insulation, gutter installation, and dealing with unforeseen circumstances that local Arizona roof repair professionals are more qualified to deal with.
Installing a new roof typically requires obtaining a permit before beginning work.
When you hire someone to do the work, he or she is generally covered by a warranty, but when you do the task yourself, you are taking the risk of paying double to triple the amount if you mess up the project.
Unless you’re a roofing contractor with permission, your insurance company will most likely not reimburse you for the roof repair or replacement.

We recommend hiring a licensed Arizona roofing company that can help you not only fix your roof, but get your insurance to pay in most cases.

New Roof Cost Breakdown

Here’s a breakdown of everything that adds to the total cost of replacing a roof:

The cost of removing the old roof varies, but it’s generally between $1 and $5 per square foot or around $1,000 to $1,500 if the full roof replacement is not factored in.
Roof repairs will cost you between $400 and $2,000 if you have rotting timbers or require new supports for heavier materials.
Redoing the roof with a different material: If you’re changing up your material, you can expect to pay $12,000 to $27,000 or more, including the tear-off.
Labor, on average, accounts for 60% of the cost. A pro may charge anything from $2.30 to $6 per square foot or $75 to $200 per hour.
The material is usually determined by the type of roofing you choose and will vary significantly based on your personal tastes, ranging from $150 to $1,500 per square for asphalt shingles and 40% of the overall cost.
Other costs to consider: The cost of insulation and waste collection are included in the price.

Roofing: The Costs of Asphalt Shingle Roofs

Roofs made of asphalt shingles range from $8,700 to $22,000. Asphalt shingles are one of the most popular roofing materials. They’re lightweight, low-cost, simple to install, and available in a variety of colors, thicknesses, and qualities.

The cost of an asphalt shingle roof ranges from $2,000 to $4,000. Because asphalt shingles can be placed over the old layer in certain circumstances, costs may be reduced. Overlays (also known as “an overlays”) aren’t widely employed by professionals since they might hide problem areas rather than fixing them.

The Cost of Wood Shake Shingle Roof

A wood shake roof might cost between $20,000 and $40,000 on average. It’s a natural material with excellent curb appeal that is simple to work with. Wood shakes, on the other hand, have several disadvantages: they are difficult to maintain, deteriorate quickly, and aren’t fire-resistant. Synthetic high-end wood shake roofs can cost over $20,000 to replace.

Roofing: The Costs of Metal Roofs

Metal roofs are available in a variety of styles. Metal roofs range from $20,000 to $50,000 in cost, while copper costs from $25,000 to more. Metal roofs are long-lasting, perform well in most climates, and have a high return on investment. Some metal materials, though, may need roof support or reinforcement.

Roofing: The Costs of Tile Shingle Roofs

Tile roofing costs between $24,400 and $35,000 on average. Concrete tile, which costs between $8,000 and $22,000, and clay tile, which ranges from$13,000 to $30,000. These are some of the most common materials used in Arizona Roofing.

Roofing: The Costs of High-End Stone/Slate Roofs

Stone and Slate are the most expensive materials in roofing, costing an average of $32,000 to $50,000. Natural stone slate is one of the most long-lasting and durable roofing materials available, with a lifespan of over 100 years on average. Slate’s weight, on the other hand, might necessitate additional roof support.

There’s also a synthetic high-end stone/slate roof available that costs anywhere from $12,000 to $30,000.

Arizona Shingle Roof Repair

Written by Service Lifter on July 3, 2022. Posted in Shingle Roof Repair. No Comments on Arizona Shingle Roof Repair

How many layers of shingles are allowed on a roof in Arizona?

If you’re looking to repair or replace an asphalt shingle roof in Arizona, you may be wondering if it’s okay to install a new roof over the old one. The answer is that it depends on several factors. First, the old roof must be completely flat and level. If there are any curled or damaged shingles, they should be replaced before proceeding with a new roof.

Will insurance cover 2 layers of shingles?

Insurance may also play a role in whether or not you can install a new roof over an existing one. Some companies will only cover one layer of shingles, so be sure to check with your provider before having any work done. We work with all insurance companies in Arizona to make sure you get the best quality roofing services available to you.

Should old shingles be removed?

Even if your roof is level and in good condition, it’s still generally best to remove the old shingles before installing a new roof. This gives you a chance to inspect the underlying roof deck for any damage or rot and makes it easier to install the new shingles.

Roof Doctors Arizona Roof Repair can help you determine whether your roof is suitable for a new layer of shingles and can also help with any repair or replacement work that may be needed. Give us a call today to schedule a free consultation!

Is it OK to put a new roof over an old one?

In most cases, it’s best to remove the old shingles before installing a new roof. This gives you a chance to inspect the underlying roof deck for any damage or rotting and makes it easier to install the new shingles. However, if your roof is level and in good condition, you may be able to install a new roof over the old one. Be sure to check with your insurance provider first, as some companies will only cover one layer of shingles.

If you’re not sure whether your roof can support a new layer of shingles, give Arizona Roof Doctors a call today. We’ll be happy to inspect your roof and provide a free consultation.

Arizona Roof Repair

Written by Service Lifter on July 3, 2022. Posted in Roof Repair. No Comments on Arizona Roof Repair

How Much Does It Cost to Replace A Roof in Arizona?

The average cost of a new roof in Arizona is $20,000. Installation of a brand-new roof costs $10,000 to $30,000 or more, it depends on the materials and products used in the construction of the roof.
With inflation cost could rise in 2022 going forward so if you’re on the fence about replacing your roof give us a call (602) 892-9885.

Average Cost To Replace A Tile Roof in Arizona?

The cost to replace a tile roof in Arizona is between $12,000 and $25,000. If your roof needs repairs, it is important to know how much it will cost to replace or repair your roof. The type of roof you have will play a big role in the cost of repairs. Tile roofs are common in Arizona and can last up to 50 years with proper maintenance.

How long does a roof last in Arizona?

The lifespan of a roof depends on a number of factors, including the type of roof, the climate, and the maintenance schedule. In Arizona, roofs typically last between 20 and 50 years. However, a properly maintained roof can last much longer.

How long does roof underlayment last in Arizona?

Roof underlayment is a key component in extending the life of your roof. It is a water-resistant or waterproof barrier that is installed between the roofing material and the decking. Roof underlayment protects against wind-driven rain and ice dams, which can cause serious damage to your roof. Roof underlayment typically lasts for the life of the roof, but it is important to check it periodically for any signs of wear or tear.

Looking For An Arizona Roof Replacement Company?

If you are considering replacing your roof, it is important to get a few estimates from reputable roofing companies. Be sure to ask about the cost of materials and labor, as well as the company’s warranty policy. It is also a good idea to get a copy of the roofing contract so that you can review it before signing anything.

Replacing a roof is a big investment, but it is one that can pay off in the long run. A new roof will protect your home from the elements and help it to last for many years to come. Give Arizona Roof Doctors a call for a free roof repair & replacement quote (602) 892-9885.

Why Is A New Roof So Expensive?

Written by Service Lifter on February 27, 2022. Posted in Roof Installation. No Comments on Why Is A New Roof So Expensive?

A high-quality roofing system is expected to be pricier because of the quality and service involved

Whether it is a new installation of roofing or the repair of roofing, pretty much everyone knows it’s quite an expensive affair. Although a lot of people are aware of this, but most of them wonder why is roofing so expensive in Arizona?

For anything to be expensive there should be several factors that impact the price of it and eventually direct it be an expensive thing. So, in order to know why is roofing can be so expensive, you need to understand few aspects properly. Here’s a look at the top factors that make roofing a little expensive:

Materials: As with any other thing, the cost of materials used in the roofing are also on the rise. Particularly, tiles and shingles are among the materials whose price has risen more than double in the last few years. Tile and Asphalt are the most used materials for roofing, and they’re manufactured with the usage of concrete, clay or oil. The rise of oil prices can directly impacted asphalt shingles to become more costly. Furthermore, the cost of disposing old and damaged materials has also increased in the recent years.
Labor: Well, this aspect is a bit subjective, since all the labors are not expensive to hire. But, who wants to hire any category of labor, unless it’s a quality one. The quality labor has a huge demand, which has simply increased their price due to the ongoing demand. Entry-level workers are still a bit cheap to work with, but you don’t want to hire inexperienced labor to fix your roofing.
Insurance: This is more of an indirect aspect that affects the roofing prices. The insurance rates are increasing as we all know. So, your contractor should also pay more to cover the insurances of their workers. This phenomenon has indirectly leads to roofing becoming an expensive matter.

If you’re looking for high quality roofing services for reasonable and affordable prices, America Roofing is the way to go.

Does Insurance Cover Blown Shingles in Arizona?

Written by Service Lifter on February 26, 2022. Posted in Homeowners Roofing Insurance Claims. No Comments on Does Insurance Cover Blown Shingles in Arizona?

Part of my roof is gone due to wind damage. Will my Homeowners policy cover it?

YES! The majority of home insurance policies and property coverage provide coverage for windstorm damage to your house, as well as other structures and personal belongings, subject to your deductible.

The insurance company faces some unique issues when it comes to settling a damaged roof. Roofing materials discolor over time and have an average lifespan of 20 to 30 years. It might be tough to match the color of the shingles that fell off the roof.

The homeowner’s policy does not cover the cost of a new roof, despite the fact that it may be damaged from a fallen tree. The home insurance policy is required to repair or replace the damaged roof, whichever is less and regardless of aesthetic concerns.

In most cases, replacing the entire side of a roof is sufficient. The majority of roofs can be easily repaired if the shingles match. If the damaged region is large or the shingles are not sufficiently similar, the whole side of the roof will be replaced with as near to a cosmetic match as possible.

However, only the damaged portion of the roof is replaced, not the undamaged side. If a home owner’s roof is near to its end of useful life, many choose to replace the unaffected side at their own expense.

Are you covered if your house suffers wind damage? Yes, most homeowners policies are available for Replacement Cost settlement.Yes, the insurance provider will pay the full cost to repair or replace the damaged area of roof without taking depreciation into account.

What Is The Most Common Type of Homeowners Insurance?

HO-3

The most popular homeowners insurance policy form is the HO-3, also known as a “special form.” The National Association of Insurance Commissioners says that this is the case.

Your house’s structure is covered by an HO-3 “open peril” policy. This means your coverage will pay for repairs if your home is damaged by any hazard, unless that hazard is specifically excluded from the policy. Named peril coverage, on the other hand, protects personal belongings (such as furniture, electronics, and clothing).If the peril is not listed, it is not covered.

The HO-3 form helps cover up to 16 named perils. These include:

Fire and smoke
Lightning strikes
Windstorms and hail
Explosions
Vandalism and malicious mischief
Damage from an aircraft, car or vehicle
Theft
Falling objects
Weight of ice, snow or sleet
Water damage

HO-1

An HO-1, often known as a “basic form,” is a policy that protects you against ten risks (versus the sixteen risks covered by an HO-3). For example, falling objects or the weight of ice are perils not covered by an HO-1 form.

HO-2

An HO-2, or “broad form,” offers limited protection. It’s called a “broad form” because it may help protect you against perils to which the HO-1 “narrow form” cannot.

HO-8

This sort of form helps keep older houses safer. It covers up to 10 risks, as determined by the III. However, instead of replacement cost, the reimbursement for any covered damage is paid on a real cash value basis, according to the III. This implies that an insurer will reimburse you for what the cost of the item was minus depreciation.

RENTERS INSURANCE FORM: HO-4

An HO-4 is a type of renters insurance policy. This form helps safeguard a renter’s personal belongings against 16 perils, according to the III. The rental unit is not covered by an HO-4. To assist protect the structural integrity of the rental property, the tenant’s landlord would need a separate landlord insurance policy.

CONDO INSURANCE FORM: HO-6

A condo insurance policy is most often written on a HO-6 form. It may be referred to as “walls-in” coverage because it covers the condo’s walls, floors, and ceilings against 16 perils. The owner of the condo may also benefit from an HO-6 since it protects his or her personal belongings.

MOBILE HOME FORM: HO-7

The most common form for home insurance is the HO-7. It protects the personal belongings and structure of the property. An HO-2 is a modified version of an HO-7. The perils covered by an HO-7 may differ from those covered by a regular HO-2.

Is My Arizona Roof Covered By My Homeowners Insurance?

If you are not sure what type of homeowners insurance policy you have, but you have a damaged roof, give us a call and we’ll help you figure out the best way to pay for your roof repair or roof replacement in Arizona. Our expert roofers have been helping homeowners get their roof fixed for over 10 years and would be happy to help you get your insurance to pay for it. Call Arizona Roof Doctors today for a free roofing quote (602) 892-9885

“Fun” Facts About Hail

Written by Service Lifter on March 21, 2019. Posted in Roof Storm Damage. No Comments on “Fun” Facts About Hail

Thunderstorms can obviously cause significant wind damage, but when you bring hail into the equation, updraft strength means that it actually falls from a certain area in the sky. Let’s take a look at some of the different sizes/classifications of hail.

Pea sized hail is .25” in diameter and it falls at 35 miles per hour. Getting a bit larger than that is quarter sized hail, which is about 1” in diameter and falls at 40 miles per hour. Next up is golf ball sized hail, which is 1.75” and falls at 64 miles per hour. It gets even bigger than that: baseball sized hail has a diameter of 2.75” and falls at 81 miles per hour. (You can get a ticket for driving that fast.)

Teacup hail is 3” in diameter and drops at 85 miles per hour. Next is softball sized hail, which is 4.5” in diameter and drops at over 100 miles per hour. (103 mph, to be exact. You wouldn’t want to be outside if hail this big is falling down.) The biggest hailstone ever found was located in Vivian, South Dakota on July 23rd, 2010. It was a piece with a diameter of 8 inches . It weighed 2 pounds, and was approximately the size of a soccer ball. Put a soccer ball next to your head and think about what would happen if you were outside during a storm like that. Imagine the kind of damage a soccer ball sized hailstone could do to your roof.

If you have any questions about hail and how it pertains to your roof system, or give us a call at (602) 892-9885.