Get matched with top roofers in Sherburn, MN

It’s possible for a roofing estimate to change after the initial assessment, but in most cases, it shouldn’t. There’s always the risk that something unexpected will happen that causes prices to go up, like discontinued materials or your roofer discovering previously hidden damage to your decking when ripping off the old roof. However, experienced roofers should account for these circumstances in their initial estimates. Roofing contracts are binding, so always check your contract for language about how and why your numbers could change.

Hail is unlikely to damage a tar and gravel roof because the hailstones will hit the protective gravel rather than your delicate roof membrane. A tar and gravel roof is the most resilient flat roof option, which means it’s the best one for areas that see hail, fallen tree debris, and blown debris from intense winds.

Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

If you’re choosing between a roof overlay and a tear-off, opt for a tear-off and full roof replacement instead of a roof overlay if possible. The cost savings from an overlay can easily be eclipsed by repair costs, the effects of structural damage from the additional weight, and needing to replace your roof sooner than expected. A full replacement will last longer and is less likely to need damage repaired over time.