Join Our Newsletter Home Page RSS Search Facebook Twitter
Alternate Content
Get A Quote
Home > Blog > Roofs: What You Need to Know - Louisiana Church Insurance
  • Main Menu
    • Home Page
    • File a Claim
    • Make a Payment
    • Refer a Friend
    • Join Our Newsletter
    • Insurance Glossary
    • View our Blog
    • News Center
    • Location Map
    • Employee Directory
    • Contact Us
    • About Us
    • Privacy Policy
  • Download Files
    • Child Safety Guide
    • Electrical Inspection Checklist
    • Inspection Checklist
    • Preventing Crime and Violence
    • SAFECHURCH INFO EMERGENCY SHELTERS
    • Safety and Security as act of Stewardship
    • Child Protection Policy
    • Emergency Policies and Procedures
    • Frozen Pipe Prevention
    • Youth Worker Application
    • Security Team SOP
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Request ID Card for Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Auto Accident Claim
  • Life
    • Life Insurance Home
    • Life Insurance Quote
  • Flood
    • Flood Insurance Home
    • Flood Quote Form
    • Request Declaration and Coverages Page for Existing Flood Insurance Coverage
    • Flood Property Loss Claim Form
  • Windstorm
    • Windstorm Insurance Home
    • Wind Quote Form
    • Request Declaration and Coverages Page for Existing Wind Insurance Coverage
    • Windstorm Property Loss Claim Form
  • Workers Compensation
    • Workers Compensation Insurance Home
    • Worker's Compensation Quote Request
  • Church
    • Church Insurance Home
    • Church Quote Form
    • Request Certificate of Liability Form
    • Add Additional Building
  • Daycare
    • Daycare Insurance Home
    • School, Daycare and Camp Quote Form
  • Other
    • Other Insurance Home
    • Policy Review Request
WEDNESDAY, JUNE 27, 2018

Roofs: What You Need to Know

 Why do church insurance rates keep going up?  The frequency, severity, and cost of wind-hail storms is the driving factor.  Louisiana has a coastal exposure on the south and borders tornado alley on the NW.  We can get hit from several directions.  Insurance companies are now focusing on the type and age of roofs to mitigate this damage. 

Not only are church insurance rates increasing due to wind-hail losses, the age and condition of church roofs are being reviewed very carefully by insurance companies.  Several have advised they will be looking at roof ages on new business, and RENEWAL business.  Older age roofs, or those in need of significant repair could cause insurance companies to add a wind-hail deductible, change coverage from REPLACEMENT COST to ACTUAL CASH VALUE on the roof, or even exclude future claims caused by wind-hail losses until the roof is replaced.

SHINGLE ROOFS - Standard vs. Architectural Shingles:

Standard 3-tab shingles fits together on the roof like a puzzle. They sit flat and butt up against each other. Architectural shingles overlap one another so the roof appears textured or 3-dimensional.  Architectural shingles are expected to last longer than standard shingles. 

 

Replacement Cost coverage will NOT be provided on roofs that have exceeded 75% of their life expectancy. Below are guidelines that most insurance companies are adopting as they review church roofs: 

  • Insurance companies expect roofs with standard 3 tab shingles be no older than 15 years old.
  • Insurance companies expect architectural shingled roofs be no older than 20 years.
  • Insurance companies expect metal roofs to be no older than 25 years old.

Periodic inspections and general maintenance to roofs can help prevent interior water damage.

  • Be sure gutters are always cleaned and unobstructed. 
  • Inspect the roof to repair nails or screws that have backed out. 
  • Ensure that plumbing vent stacks, turbine vents, or other protrusions through the roof line have caulking and sealant that is not old, cracked, or dried out.  
  • If you have metal valleys, flashing around the steeple or where roof lines join, ensure this metal is not rusted or in need of fresh sealant around edges. 

Do your part as the building owner to protect your property by maintaining your roof and collectively all Louisiana churches can reap the benefits of lower wind rates.  Please contact our office to discuss your roof if you have specific questions.

 

Posted 5:37 PM

Tags: #roof, #roofage
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2015
  • 2014

  • #frozenpipes(2)
  • #checkandprotect(1)
  • #healthychurch(1)
  • #armedsecurity(1)
  • #concealedcarry(1)
  • #paidworkers(1)
  • #cyberliability(1)
  • #privacy(1)
  • #facebook(1)
  • #beaththeflu(1)
  • #frozenpipesatchurch(1)
  • #parkinglots(1)
  • #contents(1)
  • #gunlegislation(1)
  • #roof(1)
  • #waterdamageprevention(1)
  • #spring(1)
  • #pastorsproperty(1)
  • #winterweather(1)
  • #checklist(1)
  • #emergencyshelter(1)
  • #15passengervan(1)
  • #socialmedia(1)
  • #preventfrozenpipes(1)
  • #securityteams(1)
  • #gunviolenceinchurch(1)
  • #safechurch(1)
  • #missiontripsafety(1)
  • #vansafety(1)
  • #storm(1)
  • #workcomp(1)
  • #coldpipes(1)
  • #transportation(1)
  • #armedsecuirty(1)
  • #maintenance(1)
  • #puthealthfirst(1)
  • #dwelling(1)
  • #hurricane(1)
  • #hackers(1)
  • #coldweatherbuildingprotection(1)
  • #property(1)
  • #cybersecuirty(1)
  • #waterdamagefromfrozenpipes(1)
  • #fallfestival(1)
  • #evacuation(1)
  • #databreach(1)
  • #security(1)
  • #churchvan #15-passengervans #youthgroup #summercamp(1)
  • #roofage(1)
  • #electricalsystem(1)

View Mobile Version
Home Page About Us Get A Quote Referrals Contact Us Insurance Broker Websites by Insurance Website Builder