We are often asked, “How much will my roof cost?” The answer to this question varies depending on a lot of options and details for your specific home. We will discuss some of these options and hopefully answer that question for you at the end!
HOW ARE ROOFING SYSTEMS RATED
Roofing systems today are generally rated on a scale of 1-4 for impact resistance. The scale conveys the size of hail that has been tested on a sample of roofing material to let the consumer know what the given material can withstand. If you live in a hail-prone area, you may be best served to seek out a roofing product that has a Class 4 hail impact resistance rating. The higher the rating the higher the cost of the roofing system!
IMPORTANT NOTE: A Class 4 rating does not mean the manufacturer will replace your roof under warranty if it is damaged by hail!
INSURANCE DISCOUNT on ROOFING!
One of the main benefits of upgrading to a Class 4 rated shingle is the discount you may receive on your homeowner’s insurance policy! Depending on the carrier, this discount may be substantial and make the extra expense well worth the investment.
Many heavy-weight designer shingles like the GAF Sequoia will be rated a class 4 impact-resistant roofing product. You may also get a discount from most carriers for other hail-resistant roofing products like metal, slate, or tile roofing.
DOES YOUR ROOF NEED TO BE REPLACED
The first place to start when considering if your roof needs to be replaced due to hail damage is with a roof inspection! It is critical to accurately determine the amount of damage that your roof has sustained before contacting your insurance carrier.
NOTE: Hail damage can be hard to see to the untrained eye – especially from the ground! Always work with a reputable local roofer who can provide you with a free roof inspection!
When large hail hit – often referred to as a golf ball or tennis ball-sized hail, it is easy to see the damage. Hail indentation will be visible on soft metals like gutters and downspouts, siding, window wraps, and occasionally even roof shingles. But hail storms of this magnitude are not very common in our area!
NOTE: Smaller hail, can also cause extensive damage that is not as easily visible. We never advise homeowners to climb onto their roofs to assess their hail damage! This can be very dangerous and is best left to professional roofers!
If you have been in the path of a strong hail storm, the first step is to contact a local roofing contractor and request a roof inspection! We always advise homeowners to have their roof inspected by a local roofer before their contact their insurance carrier! If your damage is minor, or even nonexistent, you do not want to file a claim with your insurance company!
HAIL DAMAGE IS COVERED BY INSURANCE!
Residential homeowner policies and commercial property insurance policies generally cover hail damage. It is always best to have your own roofing contractor present to represent your interest with the insurance adjuster. It is also helpful to have two sets of eyes to inspect your roof and ensure all hail-damaged items are properly documented and covered in your estimate.
MidSouth Construction is experienced in insurance claims for all types of roofing and property damage. We speak the language of insurance combined with our hands-on working knowledge of construction. This is important to ensure that all damage is properly assessed and covered. That can make a significant difference in the way your hail damage is claimed!
WHO DETERMINES THE COST OF MY ROOF?
MidSouth Construction Roofing Contractors use the same estimating software as your insurance carrier! This means that we never argue over the price of your roof and accept the pricing set by your insurance carrier as payment. However, we do make sure that every line item is listed properly and paid correctly. This includes code items like ice and water, proper roof decking, drip edge, ventilation, light fixtures, drywall, paint, fencing, window screens, HVAC units, and any other items damaged by hail! Some of these damages may be minor to you but can have a dramatic impact on your overall claim.
NOTE: The statute of limitations for filing a claim for hail damage with most insurance carriers is 1-2 years. Don’t wait to file a hail damage claim and find out that your carrier has denied coverage due to the time limit given in your policy!
Hail Damage Means Roof Replacement
When a roof is damaged by hail, the roof should be replaced! Unlike wind damage which can often be patched or repaired, hail damage generally requires a full replacement. This also applies to other items such as vinyl siding that may no longer be available or continuous run gutters!
Roof Hail Damage Often Causes Interior Damage
Hail storms that cause roof damage are often combined with strong winds and heavy rains making leaks a strong possibility! Your insurance carrier will also cover any damage caused to your interior if documented and reported correctly.
How Much Will It Cost to Replace My Roof with Insurance?
Most hail damage caused to a roof is covered by insurance. This means the only cost to you will be your deductible and any optional upgrades you may choose to make. This is a big relief for most homeowners who are not prepared for the expense of a full roof replacement along with interior damages!
Upgrading to a Class 4 Hail Resistant shingle is an affordable upgrade – especially if your insurance carrier is covering the cost of your basic roof replacement. Taking advantage of this opportunity to upgrade to a Class 4 Hail Resistant Shingle can also pay off in reduced insurance premiums!
AFFORDABLE ROOF FINANCING OPTIONS!
Midsouth Construction Nashville Roofers also offers affordable financing! This means you can finance your deductible and any optional upgrades while keeping your cash! There are many financing options available for various interest rates and payment terms! Some offers are even as low as 0% interest for qualifying homeowners!
How Much Will It Cost To Replace My Roof in Nashville?
The cost to replace your roof without insurance will vary depending on your specific roof. A good rule of thumb for a shingle roof is to expect to pay $335-$375 per square for an architectural roofing system built to codes.
For instance, a moderate home with 20 squares of roofing would run $6,745 to $7,500 for a standard manufacturer warranty and MidSouth Construction 5 year warranty. Extended warranties for 10-25 years are also available from certified Master Elite Roofing Contractors like MidSouth Construction!
How Much Does a Metal, Slate or Tile Roof Cost?
Metal roofing can easily double this figure! A synthetic slate roof such as a Divinci slate roof can range $1,900 to $2,400 per 100 square feet of roofing depending on metal options chosen and your roof design. Natural slate or tile can also be in this price range or higher.
How Much Are Roof Repairs in Nashville?
Roof repairs in Nashville are a minimum of $250 and can go up to several thousand dollars. Our expert roofers can help you determine the best path to take in roof repair or roof replacement. MidSouth Construction provides affordable, reliable, and honest roof repair estimates! We don’t replace what needs to be repaired and we don’t repair what needs to be replaced!
Nashville Roofers Who Are Reliable!
MidSouth Construction Roofing and General Contracting specialize in all types of residential roofing and commercial roofing! We offer roofing services for roof repair, roof replacement, roof inspections, new construction, and roof estimates for specialty roofing. Let us show you why MidSouth Construction is consistently rated at the top Nashville roofers! Call us at 615-606-ROOF today!