Get matched with top roofers in Pilesgrove, NJ

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

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.

EPDM roofs have a few common problems, most of which can be resolved with regular maintenance. This type of roofing is laid down in sheets with seams, which can be a starting point for leaks. Proper installation and roof sealing can often avoid seam issues. 

The material is also susceptible to tears and punctures from falling branches or other sharp objects. There are black and white versions of EPDM, and the black version is more prone to fade and succumb to UV damage. Regular roof inspections can protect the costs of rubber roof installation and extend the life of your roof.

While a few icicles on your roof are standard, a large accumulation can be a sign of a bigger problem, such as poor insulation. This is particularly true if you are also dealing with ice dams. If you have numerous large icicles, it is recommended to have a roofing contractor diagnose potential insulation issues and create a plan to solve them.