Should I replace the entire roof on my home or half of the roof only?

Question

My insurance agent states that since shingles are starting to fall off and other shingles are cracked because of hail and bad weather that they will only replace half of my roof on the back, but not on the front of our home because the front looks just fine. The home was built in 1997. My question is does this affect the value of my home if half of the roof is new and other half is old? Also, should I even to attempt to ask them to replace the entire roof or ask the roofing contractor that the insurance company uses to cut me a deal? I was also worried of how it will look if half of the roof gets replaced meaning will the new roofing shingles have a darker appearance in the back and the front of the roof have a lighter appearance since they are 10 yrs old?

Answer 1

It seems in the past Insurance companies would not deny claims on roofs for damage. Now with all the storms and hail I think they are back peddling a bit. Negotiate with them. Squeaky wheel gets the oil. Be a pain in their butts. If there is a chance they could look bad or get sued they usually will want you to go away and settle on your behalf. Did the hail just hit the back of your roof? Seems silly huh? Were they able to pick our specific shingles on the front that were not affected? I work for a conglomerate in class action suits. Throw the old class action at them and see how they respond. Good Luck. You have some good advise from others on here too.

Answer 2

Obviously a new roof is better but replacing one in good condition might be called a waste by some. It matters what your means are. If you can afford it, you probably should contract with someone to finish the part the insurance company won't fix. The new and old sections will not match. The old section has 10 years of fading. You may get lucky and find something close but don't count on it. If your dark brown has faded to light brown, you might find a light brown close to it but again, just a small chance.
New shingles last 20 yrs or more. Shingles bought 10 years ago were not engineered as well as today so the existing is probably worse than you think or worse than it looks. Don't fight with insurance company, it is a blessing that even are willing to replace half and if you become a "bad client" you place your coverage and the rate you pay for it in jeopardy. Play the game and make a deal to get the rest fixed, you'll sleep better at night and you'll be protecting the best asset you have, your home.

Answer 3

When I wanted to repair part of my roof, the insurance company refused to continue house coverage unless I did it all. In Texas, it is not possible to separate the roof coverage from the rest of the house and hail damage costs the companies - so they don't want to pay for old roofs that should have been replaced anyway.
So I find their attitude interesting. On my roof, there are enough changes of angle and peaks and valleys that it would be possible to find a line that would disguise any color change, especially, if as is likely from only half damage that the angle of the damaged part (facing sun, etc.) is quite different from undamaged part.

Answer 4

The warranty on the roof has nothing to do with the damage caused by the tree. That was paid for by the insurance company of the homeowner.If there was intentional misleading of information pertaining with the purchase of the house you could have a chance of a reimbursement. How did you miss the 2 different colors when you looked at the house?? Who inspected the house for you?? This is why it pays for someone to look your house over before you buy. But this does sound as if you have a case. Good luck

Answer 5

You should replace the total roof. Ten years is not very long for a roof to last. I think you should fight the insurance company on this one.