The State Legislature entitled Florida home owners to save money on their home insurance policy premiums by conduction and a wind mitigation inspection. In a wind mitigation inspection, a certified inspector reports on the construction features that decrease the amount of damages caused by wind storms. These feature fall into several construction categories including; construction type and year, roof and decking construction methods, opening protection, among other features.
This inspection verifies the general condition of the roof, electrical, plumbing, and the air condition systems of a home. Insurance underwriters use this inspection to evaluate the risks and eligibility for home owners insurance.
The process by which an inspector visually examines the readily accessible systems and components of a home. Then, the inspector describes those systems in a written report. The home inspector is expected to identify all materials used in homes, find defects from physical or mechanical failure, and write a report documenting the findings.
The life expectancy of shingles varies according to their grade. For instance, 3-tab asphalt shingles can last 15 to 18 years, while architectural shingles can last up 30 years. Weather conditions and installation can affect life expectancy. Climates such as Florida’s can diminish shingle’s life expectancy due to constant expansion and contraction of the shingle material.
You may be able to make the necessary repairs to stop roof leaks and extend the life of your roof. If however, your roof leaks because of excessive wear and tear, you may want to think about budgeting for a new roof.
Your budget, the needs of your home and your taste may decide which type of roofing material you would want to use on your home. As a general rule, roofing materials such as tile or metal roofing tend to be more expensive than shingle roofing materials. However, tile and metal roofing materials have a higher quality, much larger life expectancy and require less maintenance if installed properly.
A typical shingle roof has a life expectancy of 20 to 25 year. If your roof is over 20 years of age, you should be thinking about replacing your shingle roof. Shingles that are curling or buckling are also signs that you may need a new roof. Failure around valleys, missing shingle and excessive accumulation of shingle granules on gutters are sings of roof failure.