brick Middle Tennessee home with black shingle roof and white windows with trees in the front yard

Will Homeowners Insurance Cover A New Roof?

Whether your roof has recently suffered from storm damage, a fire, or any other unexpected act of nature, you’re probably wondering if your home insurance policy will cover the cost of a new roof. The good news is that most policies will help you out if your home has been affected by an event outside of your control. However, every homeowners insurance policy differs, so it’s important to understand the fine print of your policy and speak with your coverage provider to discuss any questions.

5 Common Insurance Roof Replacement Questions


1. How much does it cost to replace a roof?

The average cost of roof replacement varies over time and location. However, once labor and materials become part of the picture, the average price of a new roof is about $15,000 in Middle Tennessee. Thankfully, home insurance companies typically cover some to all replacement costs for damaged roofs, depending on your policy, the extent of the damage, and the age of your roof. 

2. Do I need to schedule a roof inspection?

Yes, it is very important to schedule a roof inspection prior to filing an insurance claim. Our certified roof inspectors can determine whether your roof damage is claim-worthy, or if it just needs a small repair that can be applied to your deductible. We only advise filing an insurance claim if we feel confident that your insurance company will pay to replace the entire roof. You can do this for free by reaching out to our roofing contractors in Nashville, TN for a Signature 5 Point Inspection

3. Will my homeowners insurance premium increase if I file a claim?

When filing a homeowners insurance claim for roof damage, the last thing you want to worry about is your insurance rate going up. Many people fear they’ll be required to pay more after filing a home insurance claim, but this isn’t the case. It is possible for premiums to be higher in areas with frequent severe weather, but simply filing for a roof replacement does not affect your premium. Also, keep in mind that you should reach out to your home insurance company as soon as possible after experiencing roof damage. We also recommend taking pictures of the destruction and keeping any reports from your inspection.

4. Will my insurance cover my older roof?

This is a tricky question and the answer depends on your insurance policy. Technically, your roof claim can’t be denied because your roof is old – it either has storm damage or it doesn’t. In fact, it can be advantageous to have an older roof because it can’t properly be repaired, and the insurance company will have to pay for a full roof replacement. The caveat here is that it depends on your policy. Replacement Cost Value vs. Actual Cash Value policies differ. If you have a Replacement Cost Value policy, your home insurance company will owe for a full replacement. However, if you have an Actual Cash Value policy, they owe for a full roof replacement but will depreciate the amount that you get paid.

5. Do I need to install a tarp on my damaged roof?

If your roof has damages, you should consider tarping it for several reasons. First, you want to protect you and your household. Also, your home insurance company will expect you to prevent further damage to the interior and exterior of your home. Not doing so is risky, especially if severe weather or heavy rain is in the forecast. Without taking extra precautions to protect your roof, it’s possible that your home insurance company may not help cover the cost of a new one.

Get in Touch With Us for A Free Roof Inspection 

If your roof has recently undergone damage, Five Points Roofing can help. Make sure to reach out to us today to schedule your free roof inspection. If you need a new roof, our team of HAAG certified roofers can install a beautiful, new shingle or metal roof for your home. Contact us to learn more about your roof replacement options!

White house with large yard and carport

Roofing Problems That Require a Contractor

5 Most Common Roofing Problems to Leave to the Pros

Your roof is one of the most important parts of your home to maintain. It protects you and your family, keeps your valuables safe, and shields your home from storms and other environmental elements. 

As a homeowner, Five Points Roofing Company recommends that you prioritize regular roof inspection and maintenance to keep your roof in tip-top shape. However, no matter how much you tend to your roof, it’s common to experience roofing problems from time to time. We understand that identifying roof problems on your own can be difficult, which is why it’s best to contact the local experts for your Middle TN. roof repairs. Here are the five most common roofing problems requiring a roofing contractor that we encounter. 

Everyday Middle TN. Roof Repairs That We Can Fix

From shingle damage to roof leaks to poor installation, Five Points Roofing Company knows how to spot common roof problems for homeowners across Middle Tennessee. If you’re experiencing any of these roofing issues, get in touch with us for a free roof inspection right away.

1. Shingle Damage

Over time, shingles can loosen or even go missing due to heavy winds, severe storms, or other environmental reasons, like branches scraping your roof. If you have shingle damage, know that loose and missing shingles should be repaired or replaced by a roofing contractor as soon as possible to prevent more serious issues. 

Also, if you have defective Atlas Chalet shingles you may need to schedule a roof replacement to prevent more extensive damage to your home. Five Points Roofing Company can walk you through the appropriate claims process with your insurance company and install your new roof with proper architectural shingles. 

2. Structural Damage

If you have an overgrown tree in your yard, or a branch that is a little too close for comfort, it’s best to take preventative measures before it’s too late. Since Five Points Roofing Company offers no-cost roofing inspections, contact a member of our roofing team to assess your property and help you avoid any unnecessary structural damage. 

3. Roof Leaks

Having a leaking roof is a very common problem for homeowners. It’s also one that can result in major home damage if not addressed properly. Did you know that even high-quality shingles can cause leaks in your house? A leaking roof can cause mold, 

mildew, and rotting, so when it comes to leaks, skip identifying your roof problems and contact the experts instead. 

4. Improper Installation

Are you worried that your home had a faulty roof installation? If so, make sure to contact a highly-rated roofing expert, like Five Points Roofing Company, to assess the situation as soon as possible. Proper roof installation is critical to ensure the safety of your loved ones and the structure of your home.

5. Poor Ventilation

If your roof installation was done right, you should have strategically placed vents in your attic that allows air to properly circulate. This is crucial for maintaining normal moisture levels, reducing pest issues, and preventing health issues. Also, proper ventilation prevents snow and ice from melting and refreezing on your roof; the cycle of melting and freezing can actually lift your flashing and cause further weather damage. 

On the other hand, poor ventilation also causes heat to escape from your attic, resulting in a cracked, damaged roof. Therefore, if you begin noticing more expensive energy bills, leaks, or unwanted rodents in your home, your ventilation could be the culprit. 

Contact us for a Free Roof Inspection

Are you experiencing any of these common roofing problems? Don’t hesitate to contact our professional roofers at Five Points Roofing Company for a no-obligation estimate. We’re more than happy to assess and repair any of your roofing problems during the COVID-19 crisis because we understand that life’s emergencies don’t stop. Get in touch with us to schedule your Signature 5 Point Inspection, and learn more about the precautionary measures that we’re enforcing to provide a hygienic, safe roofing experience for all customers during this time.

layover shingle roofing

Most Common Places For Roof Leaks

Roof leaks are a common annoyance for homeowners. As soon as you see the signs of one (like discolored or damp walls and ceilings), the first step to take is to try to find the source of the leak. If it turns out to be something easy to fix, you can sometimes tackle the repair yourself.

  1. Around the chimney. The flashing around the chimney is a prime source of leaks. Flashing covers up a fairly large gap between the chimney and the roof, and it tends to pull away from the brick over time or rust. This is generally pretty easy to spot, so you’ll be able tell quickly if that’s where your leak originates.
  2. Problem shingles. The shingles on your roof can get damaged when they’re very old or when there’s been a big storm. When water gets past the shingles, it can seep into the underlayment and sheathing, which can then cause leaks inside the home. Look for signs like loose granules, curling or buckling shingles, or obvious missing spots.
  3. Gutters. Has it been a while since you’ve cleaned out the gutters? When they’re clogged or damaged, standing water can back up and cause leaks. The water can also freeze in the gutter and cause a multitude of other problems, so it’s very important to clean out your gutters regularly even if you don’t suspect leaks.
  4. Valleys. When two planes of your roof intersect, the line where they meet is called a valley. Depending on where you live, this could be covered with flashing, rolled roofing, or something else. Water collects in these lows spots, so any problem with the covering will often allow water into the house.
  5. Around ice dams. Even if your roof is great shape, ice dams can cause leaking. These ridges of ice that form at the edge of roofs catches melted snow and doesn’t allow it to run off like it should. This backed-up water can cause major leaks.
  6. Vents, pipes, and other roof penetrations. Anywhere there’s an object that protrudes above your roof, there’s a potential for leaks. Check the flashing around these objects for rust or loose spots.

If you go through the most common spots for roof leaks and can’t find anything, but you’re sure you have a leak, then it’s time to call in a professional. Don’t wait—even a small delay can make a leak worse and a fix much more complicated.

Piece of silver metal on white background

What Is Flashing And Why Is It Important?

Your roof is one of the first barriers of defense against the elements when it comes to your home or business.  Flashing is an essential part of your roof system.

When installed correctly, it is essential in preventing water intrusion at various locations on your roof.

What is flashing?

The protective seal that prevents water intrusion at areas such as skylights, chimneys, dormers and vents is called flashing.  Flashing is a critical preventive measure for moisture damage when water is most prone to penetrate a roof’s surface.

Where is flashing important?

Flashing is important at all roof penetrations, including edges, valleys, joints and any grooves, gaps, intersections and projections on the roof of any structure.

How can improper flashing damage my roof?

Poor or improper flashing can lead to premature deterioration at roof joints, so it is imperative to have flashing installed correctly when a new roof is installed.  Having it done right the first time is one of the best things you can do to preserve your investment.

contractors license

Some Good Roofing Questions

We get asked questions by curious homeowners all the time. Should I go with a different contractor for a significantly lower price?  Can I save money by buying my own materials?  Should I try to repair the roof on my own?

With any investment, such as your home, you really should weigh your options before making major decisions on how to maintain it.  Avoid these pitfalls when making decisions on how to preserve your roof.

  1. Starting a major roof repair or replacement by yourself (if you are inexperienced).

Unless you have extensive roofing knowledge, it’s probably best to leave the roof work to the professionals.  Tearing off a roof is dangerous and difficult work.  We have often been called in to “rescue” homeowner from a project that they began but soon realized they were in over their heads.  The mistake is often made in an effort to save a few dollars, however, this can cause more damage and cost more in the long run.  With the proper safety equipment, knowledge and skill level, a certified roofing contractor is the way to go.

  1. Buying your own materials.

Shopping around for the best deal is a good thing, but when it comes to having a roof system installed, it pays to allow a qualified contractor with a competitive price to purchase the materials for you.  Not only do you avoid having incorrect quantities or products, the contractor may also have access to better, more competitive pricing due to established relationships with regular suppliers.  A roof installation tends to be a package deal and a good contractor will be able to provide a workmanship and manufacturer’s warranty with your system.

  1. Installing a product that does more damage than good over time.

Not all products are good products for your roof.  Contrary to popular belief, rain diverters can actually cause more damage than good, forcing water to back up under shingles, resulting in costly damage.  Another product that can ultimately cause problems are flush mounted skylights.  They typically don’t have a very wide flange and therefore tend to be unable to support high volumes of water.  Under heavy rain, water can go beyond the flange and penetrate beneath the roof, resulting in leaks.  Rely on a qualified contractor to help you decide what products will perform best for your roof.

  1. Not hiring a solid contractor.

Make sure that you do your homework.  Find a reputable contractor to perform work on your home. Sometimes price isn’t the only factor to consider when it comes to the service you are receiving.  Talk to friends, family and co-workers about a roofing company in your area that has a good name in the community, competitive pricing and a track record of quality work.   Check the Better Business Bureau, online reviews, and see if there is a company website for a feel and feedback on the contractor’s work history.  You want a company with integrity and a great finished product – it is absolutely worth the extra time.

Give us a call here at Five Points Roofing if you have questions, we’ll be happy to answer them.

fall leaves

Why You Should Replace Your Roof In The Fall

With winter in Nashville just around the corner, you may be noticing some issues with your current roofing system. From missing shingles to ceiling leaks, you might just now be realizing that you need to replace that roof.

But can you replace a roof in the fall or winter? This is a great question that we get every year from Tennessee homeowners. The fact is that you yes, you CAN replace your roof, but it’s important to use proper technique from start to finish. This way you can ensure that your roof performs at peak condition at every season.

These are the best techniques that professional roofing contractors use for winter roof installation:

What’s the Best Temperature for Roof Installation?

In an ideal world, asphalt roof shingles should be installed between 40 degrees and 85 degrees Fahrenheit. Even high quality asphalt shingles can crack when hammered, and installing in the wrong temperature can promote breakage. This is one of the biggest problems when you install asphalt shingles when it’s under 40 degrees.

With that said, winter is often a great time to get a good deal on a new roof, however we will need to wait until the temperature is in the right range before scheduling an installation date.

Top Troubles of Roofing Installation in the Winter


Aside from asphalt shingles becoming brittle in the winter, there is another important reason as to why it’s important to wait for the right temperature.  Any ideas? It’s all about adhesive! When the temperature drops below 40 degrees, some self-adhesive shingles have a hard time sticking. The sealing strips typically have no trouble bonding in the spring and summer, but in the winter we need to wait until the temperature is higher.

If you choose another type of roofing aside from asphalt, you’re not necessarily out of the woods. Fiberglass shingles are very susceptible to fracturing in the winter, and shakes can also break apart as temperatures approach the freezing mark.

If I Waited Till Winter, Can I Still Replace My Roof?

Despite a handful of obstacles that come along with winter roofing installation, winter is still a perfectly acceptable time to replace your roof, and as mentioned before, the best deals are often offered as the roofing business slows down.

In addition, we use numerous techniques to ensure that your new roof isn’t impacted by cold temperatures.

Keeping Your Roofing Shingles Warm

One of the first steps is to make sure the roofing shingles are warm before they’re installed. This is as simple as storing them in a heated garage or warehouse before delivering to the homeowner.

Properly Sealing the Shingles

In addition to keeping the shingles warm, it’s also important to use proper technique for sealing shingles in the winter. Most roofing shingles are designed with thermally-activated asphalt sealant. This bonds the shingles to the roof using sunlight, and it can take up to a couple weeks for the shingles to completely stick.

The approach is a bit different in the winter, where sunlight can sometimes be a bit scarce. In the winter time, a professional roofing contractor may choose to hand-seal the shingles with an approved asphalt roofing cement or other adhesive that’s provided by the manufacturer. Every tab should be sealed with one or two dabs (roughly 1-inch in diameter) of asphalt roofing cement. The cement should be near the shingle’s edges, but never exposed.

Rakes and eaves are two of the most susceptible areas for wind blowing shingles off the roof. Use a lot of care in this area and be sure that each shingle has the proper amount of sealant for best results.

What About Winter Roof Maintenance?

Even if you don’t intend to replace your entire roof this winter, your roof still may require maintenance. Be very careful about walking over shingles when it’s cold, since they can easily break under the weight of your foot—especially if the shingles are located on an uneven surface or they’re slightly curved.

Activity on your roof may also break the sealant bond on the shingles, so be prepared to hand-seal shingles that are peeling away from your roof.

If you have any questions regarding a new roof replacment, now is the time, feel free to initiate a chat with us online or give us a call at (615) 794-4001.

white house with shingle roofing

Common Roofing Terms You Should Know

Like any technical profession, roofing has a language all its own, and that language involves words unfamiliar to most people. It’s important for homeowners to familiarize themselves with some common roofing terms if they’re considering roof repair or replacement. This way they can communicate effectively with roofing professionals and express concerns when they have them.

Basic Parts of a Roof

Sheathing: Boards made from wood or another material that are secured to the rafters and used as a base for the rest of the roof covering. Also called a deck.

Felt: A fibrous material that’s used as a layer underneath the outermost surface of the roof. Also called underlayment.

Flashing: Pieces of durable metal used for weatherproofing. Flashing is applied around projections and in places where there’s an intersection between two sections to funnel water toward the gutters.

Covering: This refers to the felt plus the outer layer (which may be shingles, metal, slate, or tile).

Drainage: These are the features that allow water to drain off and can include the roof’s shape, its slope, and the way it’s laid out.

Structural Features

Ridge: The angle at the top of a sloped roof, where the two sides meet to form a peak.

Valley: The angle that’s formed when two downward sloping roof sections meet. Valleys can be tricky in terms of placing shingles and flashing, but experienced contractors know how to get this done properly.

Eaves: The bottom edges of the roof that hang over the exterior walls.

Fascia: Boards mounted on an exposed rafter end or at the top of an exterior wall to protect from the elements.

Repair/Replacement Terminology

Bond: The method that’s used to secure the shingles or other covering to each other. There are many different types of bonds, including cross, broken, and staggered.

Nesting: A method of re-roofing that involves laying new shingles over the top of the old shingles in a specific pattern.

Normal Slope Application: This is when shingles are applied to a roof with an average degree of incline (the slope or pitch). Pitch is generally expressed with two numbers which indicate the number of inches the roof rises vertically for every 12 horizontal inches.

As with any situation when you hire contractors, don’t be afraid to ask questions if your roofer starts talking about things you don’t understand. You might feel awkward for a moment or two, but that’s a small price to pay for being on the same page.

white house with black shingle roofing

Asphalt Architectural Shingles

A short post today, we’ll just discuss asphalt architectural shingles and what they are compared to standard 3 tab shingles. Most of us know what an asphalt shingle roof is. It is an asphalt steep slope residential and commercial roof covering. You see them on most homes and on many commercial buildings. They have always been popular because they are cost effective, perform well, and they last 20 plus years. Because of these reasons they are right now the steep slope roof work horse. In other words, they are driving the market.

We’re talking about architectural or “dimensional ” asphalt shingles. The price gap has closed much between them and 3 – tab shingles , which are a lesser product in every way so architectural shingles are really coming on strong. The bottom line is, the architectural shingle looks better, performs better, lasts longer, is heavier, and has a much higher wind warranty.


multicolored hands raised with question marks above

4 Questions To Ask When Replacing A Roof

Don’t let all the different roofing options available go over your head.

Don’t put off thinking about a new roof until it’s too late and there’s water dripping into the living room. With so many roofing options available, it can be easy to feel like you’re in over your head and overwhelmed with choice. Read more

white house with grey shingle roofing

Roof Designs and Styles

Sometimes we like to link over to other websites because we believe the content is rich and engaging and has lots of good information regarding a specific roofing topic. In this case we like this slideshow over at Better Homes and Gardens magazine. Check it out below to see some cool examples of roof design and different roofing styles.