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Roofing questions, answered by experts

Homeowners insurance sometimes covers roof decking, but it depends on the cause of damage and whether the decking was properly installed. If the roof decking was damaged by a severe storm, then it will likely be covered. Insurance may also pay for roof decking work if building codes require it. However, insurance won’t cover damage caused by normal wear and tear or poor maintenance practices.

Fall is considered the best time of year to fix a roof because temperatures are moderate, and the weather is drier, making repairs safer. Summer can also be a good option, but extreme heat can make shingles too soft and difficult to work with. Spring is a popular time for repairs following damage from winter storms, but frequent rainfall can slow down progress.

Rubber shingles last for around 30 years, on average, and some can last for and include warranties for up to 50 years. Rubber roof shingles are more expensive than asphalt shingles, but they can last up to twice as long, meaning they provide more value in the long run. Just keep in mind that rubber roofs often require more maintenance than asphalt shingle roofs, including routine cleaning to avoid mold growth. Ask the roofer who installed your roof for an estimate for routine cleaning, if necessary.

Torch down roofs have a relatively short lifespan of between 10 and 15 years, although one with up to three layers may last as long as 20 years. This is on the low end of the normal lifespan of a roof. For reference, most wood or asphalt shingles last between 20 and 30 years, while high-quality asphalt shingles can last up to 50 years.

With torch down roofing, expect a 12-year warranty for one-ply systems and a 15-year warranty for two-play systems.

The roof pitch on a Cape Cod house is normally 8/12 or 10/12, meaning the roof rises 8 to 10 inches for every 12 inches of horizontal run. This is steeper than the now-standard 6/12 pitch, as Cape Cod homes were originally popular in northern states, where the steeper pitch helped snowfall slide readily off the roof.

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The La Marque, TX homeowners’ guide to roofing services

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