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Why do certain kinds of roof not last as long here in Phoenix?With the image below (from an article by the
National Association of Certified Home Inspectors), note the bottom of the three sections. When the roofing material is already deteriorated (like by a decade of Phoenix heat far over 100 degrees), then a single hail stone can cause significant damage leading to the potential for a leak (and massive insurance claims for water damage).
In some cases, there is damage to the roof in so many places that our roof inspection specialists can take photos and make measurements that get the attention of the warranty provider or insurance company. Insurance companies in particular do not want a slowly leaking roof to lead to much more extensive water damage or mold. This is especially true of asphalt shingle roofing in Phoenix, which can fracture (crack open) when damaged by a hail storm.
image source: https://www.nachi.org/hail-damage-part5-32.htm
So, when the effectiveness of the roofing has been sufficiently compromised (what the insurance companies call “disturbed” roofing), then they will often approve paying for a full roof replacement. They know that the cost of all of the individual repairs can actually be larger than replacing the roof. Further, the insurance companies know that roof warranties in Arizona are often “generous.” That means that if your roof warranty is near expiration, your insurance company may favor paying for a new roof (which starts over a new period of warranty coverage). The insurance company wants new warranty coverage because that new warranty reduces the future financial risks of the insurance company. |
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