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

Will Homeowners Insurance Cover A New Roof?

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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!

Two Story White House

Average Roofing Costs in Tennessee

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Roofs are not cheap, whether in terms of materials or labor costs. Yet, there are few building maintenance projects that are more important. Improper roofing installation or unsuitable materials could end up costing property owners more than an upfront investment would have.

There are many factors that influence average costs for Middle Tennessee roofing services, which can change over time and across locations. For this reason, there is a fairly wide range of average roofing costs. According to HomeAdvisor, the average homeowner spends roughly $15,000 on roof installation, and the average national cost tends to fall anywhere between $10,000 and $20,000 (2020 HomeAdvisor Report). This cost breaks down to about 40% for materials and 60% for labor.

At the high end, people pay as much as $250,000 for a new roof! However, at the low end, they may pay as little as $5,000. Because there are so many price factors at play, homeowners and roofing contractors have the flexibility to make thoughtful and cost-effective choices. Knowing these factors can empower homeowners to minimize unnecessary roofing costs.

Cost of Roofing Materials

The average cost of installing a roof is $15,000; what contributes to this figure? The price of a quality roof installation varies by a number of factors. There’s not much room for negotiation when it comes to the cost of roofing materials. Different materials have different standard costs per unit. Bear in mind that the slope, or pitch, of the roof will narrow down roof composition options.
Asphalt shingles, for example, are by far the most common choice in the United States due to their low cost and widespread availability. They are associated with medium pitch. Wood shingles, on the other hand, cost roughly five times as much as asphalt and require a minimum slope to maintain adequate drainage.
In general, heavier items, like tiles instead of shingles, cost more per unit and require more expensive structural support. With some materials, certain colors and textures are priced higher than others. And, there is a premium on durability with any kind of roofing material.

Other Costs to Consider for Middle Tennessee Roofing Services

A fundamental budgetary consideration is whether the installation requires disposal or modification of an existing roof. The average cost of roof replacement in Middle Tennessee can cost more if roofing contracts are required to remove an extant roof, make preliminary repairs, or lay down new underlayments such as a water shield. Of course, a self-installation project will cost less than a professionally installed roof.

Another weighty factor is the size of the home to be roofed. This one is straightforward: the bigger the building, the pricier the roofing job for both parts and labor. What about the shape of the roof? A very steep, high-‘pitch’ roof will by definition cost more than a plain, flat roof because there is simply more surface to cover. You can get a rough estimate with a roofing calculator.
Sophisticated styles such as Colonial or Victorian are steeper, which partly explains why their prices tend to be similarly steep. Note that many contractors adjust their pricing after a minimum pitch to account for the added dangers of working on a steep slope.

Additionally, very complex roofs with special features like chimneys or skylights require a bigger budget. Gutters, drains and other accessories will inflate the total purchase as will flashing to mitigate water damage and vents that protect against temperature extremes. Also, most roofs come with warranties, some of which are offered for a fee.

Contact Us for Roofing Quotes in Middle Tennessee

Whatever the project constraints are, remember that the cheapest materials and work can easily end up costing more in the long run if significant repairs must be made too soon. In contrast, expensive materials can increase a home’s value and even lower insurance premiums. Roofing is key to a property’s value, so it’s vital to hire a Middle Tennessee Roofing specialist for all roofing services.

Five Points Roofing Company can help you sustain your investment in the long term. To learn more about average roofing costs and to schedule a free Signature 5 Point Roof Inspection, contact Middle Tennessee’s best roofing contractor today!

Roofing Problems That Require a Contractor

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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.

5 Point

COVID-19 Announcement

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To our Middle Tennessee community,

We understand and acknowledge that Middle Tennessee has had a tough time lately. With the devastating Tornado damage across Middle Tennessee, and now, the ever-present uncertainty surrounding COVID-19, we want to make it known that Five Points Roofing Company is still here for all of your roofing needs, and we stand with you.

Five Points Roofing Company will remain open for business during the COVID-19 pandemic as home and business repair services have been deemed essential businesses under Mayor John Cooper’s “Safer at Home” order.

There is still extensive roofing damage to repair throughout Middle Tennessee after the March tornado, and if you need roofing assistance, we are here to help. For any of your roofing needs, big or small, you can count on Five Points Roofing to provide the most professional, hygienic service possible for you. We are taking all necessary precautions to provide roofing services that comply with all guidelines from the Center for Disease Control and Prevention (CDC). We can inspect and replace roofs all while maintaining the safe 6 foot distance. We don’t need to go inside, and all documents can be shared or signed electronically.

Our roofers are HAAG Certified and are highly proficient in repairing all major types of residential roofs. Our team of Nashville roofers are experts in the following areas:

  • Proper inspection safety techniques
  • Current code requirements
  • Proper installation techniques
  • Hail damage
  • Wind damage
  • Roof maintenance
  • Mechanical damage

Repair costs for each roofing type:

  • Asphalt shingles
  • Wood/shingle/shake
  • Fiber cement
  • Metal

Our focus has always been and will always be on you, the customer. Throughout this difficult time, you can count on us to take care of any of your roofing needs. Five Points Roofing Company is a family-owned and operated roofing company built on customer service and satisfaction. We’ve been voted Middle Tennessee’s best roofing company for five years in a row and have over 75 years of experience in the roofing industry. We proudly serve the Nashville, Murfreesboro, Spring Hill, Franklin, and Brentwood areas.

If you’re looking for a roofer in Middle Tennessee, contact us today, and know that you can trust in Five Points Roofing Company to get the job done right! Stay safe and healthy.

Sincerely,

Five Points Roofing

layover shingle roofing

Most Common Places For Roof Leaks

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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.

What Is Flashing And Why Is It Important?

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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.

happy thanksgiving

Happy Thanksgiving! Employee Spotlight.

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Happy Holidays to all our friends and clients! We here at Five Points Roofing are wishing you the best of the season and many more to come!

Today we want to highlight one of our long term employees that’s been here for over 4 years, Mike Cates!

Mike is one of our top Project Managers and is a HAAG certified roofer. Mike has been taking over some of our recent projects and is highly proficient in operating a drone to both inspect and ensure the safety of our employees. He is an avid camper and loves to canoe when the summer rolls back around. Here’s to Mike! If you see on your next project, be sure to say hello!

Call us today to schedule a free roof evaluation and estimate (615) 645-2055.

roof with hail damage

FAQ: Hail Damage Repair

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Today we’re going to talk about hail and your roof. With all the storms we get yearly in the Middle Tennessee area many of them have pockets of hail. Hail can be devastating on a roof and the hail storm damage can be severe enough to dislodge granules from the surface of the shingles. In spots large enough to expose the asphalt will leave a roof has compromised. This isn’t always the case though, as damage can go unseen, especially from the ground.

The colored granules which are placed on the surface of the shingle provides an aesthetically pleasing product as well as protection to the underlying asphalt from sun exposure which results in deterioration. This is why a hail-damaged roof will tend to fail prematurely.

When indentations/surface damage of the shingle are not visible, we always look for indentations on vents, ridge vents, siding, or any other softer metal objects that may show impact. The effects on the shingle may not be apparent for about a year. At this time, circular areas of granules will fall off the shingle. This is often called spalling. What has occurred is that the impact of the hailstone has broken or weakened the bond between the granules and the asphalt.

After a year or so of weathering, the granules fall off the shingle in the circular area of impact. With granules missing, the sunlight (UV) quickly attacks the asphalt and the maximum performance of the shingle has been compromised. The results of a hailstorm will void the shingles manufacturer’s warranty, as they cannot warranty against “Acts of God” such as hailstorms. That is why it’s necessary to deal with hail damage before it becomes a bigger problem.

Experts agree hail damage is a necessary and critical roof repair. The points below detail how hail damage can progress.

  • The shingles hit by hail have loosened the bond with the granules to the asphalt layer. While you cannot see this from the ground the loosened granules will often end up where your gutters drain. If you see a large accumulation of granules after hail you should have your roof inspected.
  • Once the granules fall off the damaged areas of the shingles, the sun’s ultraviolet light can weaken the exposed spots and make them brittle. In the winter, the shingle expands and contracts and can curl and crack after being weakened by hail. The exposed areas are then very susceptible to leaks and wind damage.
  • Storm and weather related damages have different characteristics as it passes through the seasons. Thus, an inspector can tell whether the damage is new or older. Insurance claim periods can vary but typically there is a set amount of time a home owner can make a claim after the damage occurs – whether you were aware of the damage or not. Aspen has detailed maps showing where and when areas received significant hail damage to roof, that can be useful to help pinpoint the damage date.
  • Once leaks occur, the damage can be extensive due to potential damage from mold, electrical issues, ceiling and wall damage from water and perhaps even personal property losses. The damage can also come very quickly and often is not initially detected.

If you’ve ever had hail in your area, it’s imperative to get a professional roof inspection by an local, established roofer. Our family here at Five Points Roofing have been serving the Nashville, Murfreesboro, Franklin, Brentwood and entire Middle Tennessee market for decades and we’re here to ensure your roof is in good shape and ready for whatever weather is thrown at it.

Call us today to schedule a hail damage evaluation and estimate (615) 645-2055.

contractors license

Some Good Roofing Questions

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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.

5 point inspection

The Elements of a Proper Roofing Inspection

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When scheduling a roof inspection, here are some of the things we typically look for that will help protect your roof from irreversible damage.

Missing or damaged roof materials

The shingles, roof tiles, fasteners, and the gutter/downspout system protect your home from the elements. If any of them are damaged or missing, the roof and the structural elements below (underlayment, framing materials, vapor barriers, and insulation, etc.) are vulnerable. We’ll notice sealing or structural issues with skylights or roof windows that may not be evident from the interior.

Your roof inspector will make a list of any yellow and red flags and report them to you, along with suggestions and an estimate for repair costs, so you can decide how to proceed.

Evidence of algae or moss

It may look pretty, or seem cottage- or green roof-like I appearance, but any evidence of algae or moss on a roof is bad news. Once those colonies take hold, they’re breaking down the structural components of your roofing material(s). They can also wick moisture through to the interior of your home.

Cutting back trees can help, but once algae and moss are established, the roof requires a thorough cleaning. This is a potential DIY task, and part of routine roof maintenance, but you must take precautions to secure yourself to prevent falling or injury.

Evidence of ponding or pooling water

Flat roofs have trended from time to time, and are popular in commercial applications – partially because they’re cheaper to build. However, roof slopes are more about functional design than aesthetics. Your sloped roof ensures water can’t pool or collect, putting your home at risk for leaks.

If we see evidence of ponding or pooling water, we’ll look for the source and suggest repairs, ranging from clearing clogged drainage lines or redesigning gutters/downspouts to re-pitching the roof.

Cracked, rusted, or loose components

Roofing systems made from multiple components and an issue with anyone of them compromises the hole. While we’re up on the roof, we’ll look for evidence of cracking, rusted, loose or missing components including:

  • Caulking and sealing
  • Flashing
  • Chimney caps, mortar or bricks/stones
  • Gutters
  • Rubber boots around pipes or other projections

We’ll also look at all the awkward locations that are hard to access on your own – like the eaves, overhangs, and undersides of gutters.

Proving your roof has been maintained as per manufacturer’s instructions will expedite homeowner’s insurance claims as well as any warranty items that need to be addressed over the roof’s lifetime. We’re experts when it comes to dealing with insurance companies, so rest assured, if you have any damage, we’ll walk you through every part of properly filing a claim and getting your roof replaced.

Call us today to schedule our signature 5 Point Inspection! (615) 645-2055