Impact Resistant Shingles

[Russ]

My policy requires you sign a waiver for cosmetic damage in order to get the discount for any impact resistant roofing materials. It states:

"Cosmetic loss or damage means damage that alters the physical appearance of the roof material, but does not impair its protective function within one year after the end of the policy period in which the hail damage occurred. Protective function is impaired when a distinct opening in the roof material allows the penetration of water."

So, if you get hail strikes that are strong enough to flex the shingle and dislodge the coatings leaving dots across your roof, you better hope that you get a leak too! Otherwise I'm thinking you're stuck. I'm debating whether its worth the 20% discount.

I have never....ever.....ever ran across this cosmetic policy with IR shingles. Only metal. I have replaced a lot of them after really big hail storms with no leaks whatsoever.

I guess if ya want to pay deductibles every time it hails and pay for higher insurance premiums as well, it may not be worth it to you. Fact is the upgrade pays for itself in just a couple years, but this upgrade is for free. Class 4 shingles take the smaller hail really well. I have never had to fight with a insurance company if the shingle was truly damaged in a way that you could see the damage. If you can see the damage they will replace it.

Cosmetic damage to a metal roof can be really hard to get around. Its a class 4 as well and this may have been what you insurance was talking about. State farm and other companies require a cosmetic clause on METAL or SHAKE ONLY....not class 4 shingles. You can google that and see. Your metal roof can really look like crap, but as long as its not leaking then they may not pay for it.

Its not the same with a IR Class 4 shingle. If there is the right amount of hits inside of the test sq to qualify for a new roof, 99% of the time they will pay for it. The reason for this is because when a shingle gets a hail hit it exposes the asphalt which causes the shingle to deteriorate at a much faster rate. Its not just cosmetic like a dent in a roof.

There has been 4 major hail storms in Stephenville in the past month! I can show you some of the roofs I am replacing this month and some of the roofs that I already installed class 4 shingles last year on. No need to replace the class 4 shingles! I know cause I inspected them myself. Lost a job there for sure! LOL But replacing their neighbors now! They are called impact resistant for a reason. So if you consider what my customer has saved on premiums, around $400 this year alone, and saved on a deductible, around $3,000, I'd say they are very very worth it! They paid $1800 or so for the upgrade and saved $3400 this year. Pretty great return!

I deal with these shingles more than most and after all my dealings, the worst thing I can say about them so far is.......its probably not helping my job security! LOL

[Russ]

What happens when you put your house on the market with those 'cosmetic damages' ?

Right now, in the curent climate, unless you are planning to stay there and live with them, a metal roof is not the answer

I do love a metal roof more than any other.....but that cosmetic clause has a lot of people screwed in Stephenville right now! Roof looks like hell....but it does not leak!

[sideways]

Impact resistant shingles were developed by insurance companies so the manufacturer has to pay to replace the shingles they are a waste of money.

[TXHunter12]

If it doesn't take damage then the IR is the way to go.

With that said not to disagree but I asked the adjuster about replacement choices. He said there is an IR shingle if I want to pay the money.
But he said he just went to a guys house trying to get a new roof. He said he asked the guy, you know you have IR shingles right? He said yea. He said you know I can't give you replacement on this. If there is wind damage yes. Now that is just a hearsay story from an adjuster. Never thought much of it. So maybe he had no damage.

[bustacap]

This is what is checked:

15lb paper
Closed valley system
Installed rubberized valley underlayment
1 1/4 galvanized roofing nails
Double seal all edges with starter shingle
Matching ridge caps
Chimney flashing
Shingle over ridge vent
Various plumbing vent sizes - doesn't say type
GAF timberline , style high definition
30 year, algae resistant

-----
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It has a place to check for enhanced Z ridge vents but not selected.
It is Anderson Restoration, they are listed as Master Elite

Do you think I should ask for any thing else or more details on something?

I would ask for details for every item used on my roof. What you listed leaves everything open except for the #15 felt,nails,and timberline hd shingles.
Remember, your roof protects everything underneath. Like a chain, a roof is as strong as its weakest link/accessory.
Tell Anderson you would like a complete roofing system, not a builder special.

[flywise]

Impact resistant shingles were developed by insurance companies so the manufacturer has to pay to replace the shingles they are a waste of money.

Developed by the insurance companies?

[Roamer]

What happens when you put your house on the market with those 'cosmetic damages' ?

Right now, in the curent climate, unless you are planning to stay there and live with them, a metal roof is not the answer

We've been hit plenty at my office and over time you can't tell. Metal roofing is the roof that rarely needs replacing. No composition roofing can compare. I can tell you that most of the metal roofs in that night mare storm in the Stephenville area will probably need replacing, but because of the strength of the metal roof there was most likely no structural damage to the decking.

So Atfulldraw a metal roof is always the way to go.

It is hail/fire/wind resistant. It helps with your utilities if installed correctly and some jack wagon doesn't put it on over shingles.

[sideways]

In conjunction with shingle manufactures

[Russ]

I'm in the process. The roofing company is waiting for me to sign the contract.
I was wondering if there was a better shingle than what they are offering me. 30 yr GAF
Then I just saw this thread. So is it worth it to spend the extra money versus the 30 yr?
Does GAF make IR shingles. That is the brand they use.

Anything we should ask the company before signing?

This whole process has been really confusing.
Thanks for the information.

Sorry I missed your post some how. The price difference you will pay will be around $30-35 per sq if you go with GAF IR from a GAF 30.

I like a GAF timberline HD for the looks....but in the heat is doesn't hold the granules very well. But still a decent shingle for sure.

My honest opinion would be to go with an Owens Corning DURATION in a designer color if you want something in the same class and cost as the GAF 30. That nail strip eliminates wind blown shingles all together! If it blows off its takes the decking with it! I also like the how well the shingles seal together even in low heat conditions. Ask your roofer I am sure he will agree.

If you are confused about your claim, I would be glad to look at it and give you my advice over the phone and help in any way I can. The insurance process is very confusing these days and lots of roofers use that to their advantage.

[Atfulldraw]

If it doesn't take damage then the IR is the way to go.

With that said not to disagree but I asked the adjuster about replacement choices. He said there is an IR shingle if I want to pay the money.
But he said he just went to a guys house trying to get a new roof. He said he asked the guy, you know you have IR shingles right? He said yea. He said you know I can't give you replacement on this. If there is wind damage yes. Now that is just a hearsay story from an adjuster. Never thought much of it. So maybe he had no damage.

If I had a dime for every time an adjuster is wrong, I could retire today.

Most of them can't read or understand policy language, and don't have authority to bind the company to pay for anything anyhow.

[Roamer]

I do love a metal roof more than any other.....but that cosmetic clause has a lot of people screwed in Stephenville right now! Roof looks like hell....but it does not leak!

Tell them to keep fighting. All it takes is one lap to be smashed where it is lifted up and that is a structural integrity issue. So if you are up there and see a sheet lap lifted, point it out. It only takes one place for the water to get in.

[TXHunter12]

What happens if metal goes over shingles?
More dings?

[flywise]

What happens if metal goes over shingles?
More dings?

probably traps heat instead of good air flow cooling

[Atfulldraw]

We've been hit plenty at my office and over time you can't tell. Metal roofing is the roof that rarely needs replacing. No composition roofing can compare. I can tell you that most of the metal roofs in that night mare storm in the Stephenville area will probably need replacing, but because of the strength of the metal roof there was most likely no structural damage to the decking.

So Atfulldraw a metal roof is always the way to go.

It is hail/fire/wind resistant. It helps with your utilities if installed correctly and some jack wagon doesn't put it on over shingles.

One of us has a dog in this fight.....I see the aftermath beyond the sale.

No offense. I have a metal roof. They have their place, but to say they are always the choice is just ridiculous.

I'll take you on a tour of horseshoe bay and let you talk to the real estate agents and the people that thought they were selling their house.

They hate a metal roof.

[Atfulldraw]

Tell them to keep fighting. All it takes is one lap to be smashed where it is lifted up and that is a structural integrity issue. So if you are up there and see a sheet lap lifted, point it out. It only takes one place for the water to get in.

Woo hoo.

Now you get two whole panels replaced.

That don't match....

and no, Texas isn't a matching state.

Now you have a hail dinged, multi colored roof. That should sell like hotcakes.