Get matched with top roofers in Grandview, MO

If you choose to get a personal loan to finance a roof, you will want to aim for a “good” or “excellent” credit score for the best rates. That means a credit score of 690 or more. If you aren’t sure of your credit score, you can request one free credit report per year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Many banks also provide free credit reports monthly.

A roof pitch that’s too shallow won’t shed runoff as quickly, so you have an increased risk of water intrusion through the seams between your roofing materials. In colder climates, snow and ice will accumulate more easily on your roof, which can add enough weight to cause roof collapse and structural damage to your home.

It’s possible to walk on a clay tile roof, but you run the risk of breaking or cracking the tiles if you’re not careful, so it’s best not to walk on it if you can avoid it. If you or a contractor needs roof access, be sure to distribute your weight evenly and step on the portions of tile that are also supported underneath, which depends on your tile design. Walking on any roofing material is inherently dangerous, so wear rubber-soled shoes and use safety equipment if you need to access your roof.

The lifespan of asphalt shingles is typically between 15 and 30 years, depending on the type of shingle and other factors. Standard 3-tab shingles have the shortest lifespan, around 10 to 15 years. Architectural shingles last longer, averaging 20 to 25 years. Luxury or designer asphalt shingles are the most durable, with a lifespan of 40 years or more. Climate, installation quality, and regular maintenance also play a significant role in how long your shingles will last. Signs that they need replacement include granule loss, bald spots, and roof leaks.