Imagine: an early May storm passes over your house. You get the lawn furniture inside just before the wind picks up. The next day, you notice your roof is missing a shingle and you decide to replace it yourself.
Though well-intended, you may be putting yourself in a position to lose a substantial amount of money.
Insurance companies are required to replace shingles with the same type. In insurance jargon, they might use phrases such as, “of like kind and quality” or “pre-loss uniformity.” So, what does this have to do with one missing shingle?
Many roofing issues could require shingles to be removed. The shingles that have to be replaced with new ones of the same type. If that type has been discontinued - something that happens regularly - there are no more of like kind and quality. Your insurance carrier could then be responsible for covering the reshingling of the entire roof to return to a condition of pre-loss uniformity.
If there is a single shingle that stands out separately from the rest, the insurance company could find that there was no uniformity before the incident that led to the claim. They may, then, refuse to cover the replacement of your shingles, leaving you to pay the entire cost.
Homeowner Beware: Don’t Touch that Shingle
If there’s damage to your roof - even a single shingle - let TTLC Roofing, Siding and Gutters handle it. We’ll provide a full roof inspection, free of charge. While we communicate with your insurance company to determine the next steps, we’ll be sure your roof is safe from leaks. Give us a call at (815) 270-5669 or use [this form] to get in touch.
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