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Roofing Insights from the Pros

Written by Shayne Cook

Lead Roofing Specialist

Shayne Cook is the owner of Resolve Roofing in Columbia, MO, a licensed Missouri General Contractor with 13 years of roofing experience and certifications from Owens Corning, Malarkey, and the BBB.

Elevating Your Home’s Defense: Upgrading Your Roof Post-Storm Damage

A tree fell on a roof, leaving homeowners to wonder "does insurance cover storm damage to roof?"

In the aftermath of a storm, homeowners are often faced with the daunting task of repairing or replacing their damaged roofs. While the primary goal is to restore the roof to its original condition, this moment also presents a unique opportunity to consider upgrading to a more durable, efficient, and aesthetically pleasing roofing solution. This guide explores the advantages of upgrading your roofing materials after storm damage and how making a strategic investment can enhance your home’s value, protection, and curb appeal.

The Opportunity for an Upgrade

When a roof sustains damage from hail, wind, or other storm-related forces, insurance policies typically cover the cost of restoring the roof to its “pre-loss condition” using materials of “like kind and quality.” However, this scenario opens the door for homeowners to apply the insurance payout towards the cost of upgrading to superior roofing materials. Options such as premium architectural asphalt shingles, stone-coated steel, metal panels, or composite polymer products offer enhanced longevity, performance, and visual appeal.

Advantages of Upgrading Roofing Materials

  • Aesthetic Enhancement: Upgrading your roof can significantly boost your home’s curb appeal. Materials like composite polymer mimic the look of natural slate, wood shake, or clay tile, offering a realistic and attractive appearance.

  • Once-in-a-Lifetime Opportunity: Utilizing the insurance payout for an upgrade may be a rare chance to have a significant portion of the cost covered, allowing for a stronger, longer-lasting roof.

  • Freedom of Choice: The decision to upgrade affords homeowners the autonomy to select roofing materials that align with their preferences for style, durability, and energy efficiency.

  • Enhanced Storm Protection: Materials like metal and polymer offer superior resistance to wind, hail, and ice, minimizing the risk of future storm damage.

  • Improved Fire Resistance: Opting for materials with a Class “A” Fire Rating or stone-coated steel can provide the ultimate fire protection for your home.

  • Increased Longevity: Many upgraded roofing materials, such as metal panels and composite polymers, can last several times longer than standard asphalt shingles, reducing the need for future replacements.

  • Energy Efficiency: High-end roofing materials often feature reflective colors and air-gap properties, which can lead to significant savings on energy bills.

  • Property Value Boost: Investing in premium roofing materials can enhance your home’s resale value and offer a higher cost-recovery rate compared to traditional asphalt shingles.

  • Insurance Benefits: Some insurance companies offer discounts for homes outfitted with upgraded roofing materials due to their enhanced durability and protection.

  • Reduced Future Hassles: A more durable roof means fewer concerns about repairs or replacements in the future, saving time and money in the long run.

Making the Right Choice

Choosing to upgrade your roof involves careful consideration of your long-term goals, aesthetic preferences, and budget. It’s essential to weigh the initial upgrade cost against the benefits of increased durability, energy savings, and potential insurance discounts. Consulting with a reputable roofing contractor who can provide expert advice and installation services is crucial in making an informed decision.

Partnering with Resolve Roofing

At Resolve Roofing, located in Columbia, MO, we understand the challenges and opportunities that come with repairing storm-damaged roofs. Our team of experts is committed to guiding homeowners through the insurance process, alleviating the hassle and ensuring a smooth transition to a superior roofing system. We offer a wide range of roofing materials and styles, tailored to meet the unique needs and preferences of each homeowner.

Conclusion

Upgrading your roof after experiencing storm damage is not just about recovery; it’s about seizing the opportunity to enhance your home’s defense, efficiency, and aesthetic appeal. With the right materials and a trusted partner like Resolve Roofing, homeowners can transform a moment of adversity into a long-term investment in their home’s future.

About Shayne Cook

Lead Roofing Specialist · 13 Years experience

Shayne Cook is the owner and founder of Resolve Roofing in Columbia, MO. A licensed Missouri General Contractor with 13 years of experience, Shayne holds Owens Corning Platinum, Malarkey Emerald Pro, and BBB A+ credentials. He founded Resolve Roofing with a commitment to quality workmanship, honest service, and giving back, including an annual Free Roof to a Hero giveaway honoring local veterans and first responders.

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