Get matched with top roofers in Suffern, NY

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.

A roof replacement will usually include removal of your old roof, shingle replacement, and a new roof underlayment, but it may only include adding new shingles if you’re layering new shingles over the old shingles. If you have signs of roof leaks or your roofer finds water damage to the roof decking underneath your old roof, it can also include replacement of the OSB or plywood decking that lays over your rafters and supports the roofing material above.

Shingle roofing can last anywhere from 15 to 50 years, depending on the type and quality of shingle, your local climate, and how well you maintain your roof. If you live in an area that sees extreme weather, like strong winds, hail storms, or hurricanes, the average life span of a shingle roof will often be on the shorter end, especially if you choose a more affordable roof shingle that isn’t designed to persist through extreme weather.

A spray foam roof costs an average of $6,000 to install, making it one of the most affordable flat roofing options available. Costs can increase if you have a complex roof design with many roof vents or have a roof that’s larger than average. While up-front costs are relatively low, keep in mind that ongoing maintenance and repairs tend to be more expensive than you’d see with other flat roof materials.