Tips to File a Roof Repair Insurance Claim

Tips to File a Roof Repair Insurance Claim

In Florida, severe weather can damage a roof on a modern or vintage home. If you’re unsure whether or not your home has proper insurance coverage, there are ways to investigate.


Insurance Coverage Steps

By contacting your current insurance provider, you can quickly find out if the policy covers roof damage. Policies that are provided by traditional insurance companies will vary, however, many insurers will only offer funds for roof repairs following a situation that involved a fire or vandalism. If weather damage is included in your policy, find out the amount of assistance you’ll get.

If you decide to shop for a new insurance policy, you must consider the age of your roof. If the roof is less than 10 years old, an insurer may help you replace specific sections that were damaged in a storm. In most cases, you’ll only get money based on the depreciated value of your roof if the shingles are over a decade old.

Florida Insurance Claim Procedures

After high wind damages your roof, you must call an agent and file a Florida insurance claim in a timely manner. You’ll need to give the agent your new address and an alternative phone number if the damage to your home forced you to temporarily relocate. Later, the insurance company will send the claim by mail, or an adjuster will visit your home.

After the storm, grab a camera and take pictures of the damaged sections on your roof. If possible, you may want to get on the roof to capture detailed shots. The process of getting reimbursement might be challenging if you don’t present clear evidence.

Storm Damage Roof Repair Strategies

If you need to make temporary repairs or replace household items in order to make your home livable, make sure to document all of your repairs and costs. You’ll need receipts for everything to get full reimbursement from the insurance company.

Overall, because tropical storms and hurricanes can damage and destroy shingles and other roofing components, all Florida residents should have proper insurance. If you need help repairing your home or building, various storm damage roof repair options are available at Quality Discount Roofing.

How to Get the Most out of Your Roof

How to Get the Most out of Your Roof


Keep Your Gutters Clean

Most homeowners are aware that clogged gutters can lead to damaged siding and flooded basements. However, most homeowners are unaware that a clogged gutter can also damage their roofs. When the gutters get clogged with debris, a big rainstorm can cause water to actually backflow out of the gutters onto the roof. This backflow can rot your roofing materials in a hurry. To prevent this, make sure you regularly clean your gutters to keep them free of debris. At a minimum, you should clean your gutters every fall and spring.

Keep Your Roof Free of Leaves

Another issue that can plague roofs is the accumulation of dead leaves. If you have an adequate slope on your peaked roof, this likely will not be an issue. However, even a peaked roof can build up piles of leaves if there are large trees that overhang it. If you notice that your roof tends to accumulate leaves, make sure that you remove them whenever you see them piling up. Leaf piles on the roof can trap moisture and quickly rot your roof if they are left to sit.

Remove the Moss

Many homeowners will notice that they have black algae on their roofs. If you notice it on your roof, you don’t need to worry about it. Although it may be unsightly, black algae pose no harm to your roof. However, the same cannot be said of moss. If you notice green moss on your roof, you need to remove it as soon as possible. If you get to it early, you can simply sweep the moss right off the roof. If you wait, you will have to use a cleaning product that is designed to kill moss to get rid of it.

Remove Overhanging Limbs

Limbs that hang over your roof present two dangers. The first is that a storm could knock them off the tree, causing severe damage when they fall on your roof. The other danger is that overhanging limbs provide easy access for squirrels and rodents. These critters can gnaw holes in your roof and siding. You should trim back all branches so that they are at least 10 feet away from your roof.

If you follow these maintenance tips from Quality Discount Roofing, your roofing should stay in good shape for its maximum lifespan. Make sure to inspect your roof once a month to ensure it is in good condition. You should also inspect it after every big storm to make sure no damage has occurred from the weather.

How to Check your Roof for Damage After a Storm

How to Check your Roof for Damage After a Storm

Storms damage thousands of roofs every year in Florida. Hail can damage asphalt and wood shingles and ceramic tiles, while tornado’s and hurricanes can tear, lift or shift asphalt shingles, strip shingles and tiles right off a roof, and even damage the structure of the roof itself. Many thunderstorms have heavy enough winds to do damage too.

After every serious storm, you should check your roof for damage. If you detect any, contact your insurance company to file a claim, then get in touch with a professional roofing contractor who can provide damage assessment and perform the repair. If you’re not sure whether there’s damage, call a Florida roofing contractor to make a determination for you, then contact your insurance agent if any is found.

How to Look for Roof Damage

If you have water leaks in or near the ceiling in the house, you’ve got roof damage – no question about it. But not all ceiling leaks go “plink, plink, plink” in the middle of the floor. Walk around inside the house, looking for damp spots where the walls and ceiling meet on exterior walls. If you dodged that bullet, it’s time to check the exterior.

Walk around your house, looking for pieces of roofing or flashing that have fallen on the ground and for shingles or tiles, pieces of flashing, or gutters and downspouts that are visibly displaced. If all looks good on the ground, it’s time to examine the roofing itself. Are all the shingles and tiles in place and lying flat?

We advise against climbing onto your own roof to do the inspection because more than 130,000 people are injured in the United States every year due to falls from ladders. Instead, use binoculars for a closer look.

What to Look For

Hail can cause a noticeable pattern of damage to asphalt, fiberglass or composition shingles. A really hard hailstorm can crush the mineral granules or knock them right off, leaving the shingles looking black and soft or shiny. Really large hailstones can produce visible dents on asphalt and wood shingles as if someone pounded with a ball peen hammer all over your roof. Wood shingles can also be split by hail.

Right after the storm, the splits will be darker than the upper surface of the shingles because they remain wet longer. Look for orange or brown lines running from top to bottom on individual shingles.

If hail was accompanied by really high winds – the kind that accompanies tornado’s and hurricanes – look for broken windows and dents and patterns of chipped paint on the siding too. You’ll want to report as much of the damage as possible all at once to your insurance company.

When large branches or trees fall on a roof, they may cause serious structural damage that could make a house unsafe. Get out and stay out until you can have a contractor assess the damage. If the home is determined to be unsafe, your homeowner’s insurance may cover the cost of temporary housing.

If you do need roof repair or replacement, talk to your contractor. Experienced Florida roofing companies know what works best and last longest in our challenging climate.

In the Jacksonville area, contact Quality Discount Roofing for storm damage assessment, repairs, and complete roof replacement. They’re your trusted friend in the roofing business.

6 Steps to Maintain Your Asphalt Roof

6 Steps to Maintain Your Asphalt Roof

There’s a reason why “At least we have a roof over our heads” is a popular expression. A good, sturdy roof means safety and comfort for you and your family. On the other hand, a roof that’s not doing its job can cause costly damage to the home and its contents.

Asphalt shingles are by far the most popular type of roofing in the United States. They’re economical, long-lasting, and they do a great job keeping the roof weather-tight. But they also cover hundreds or thousands of square feet on a house and they’re exposed to strong sun, wind, and hail over the course of many years. Of course, things can go wrong over time.

You can minimize problems with your asphalt roof by inspecting it for signs of wear or damage with this six-step program. If you spot problems promptly, you can have them repaired before any further damage occurs to the home. You’ll save a lot of money and aggravation and keep your home safe, dry and comfortable.

1. Inspect Indoors

Start your roof inspection inside the house by examining your ceiling. If you see dark areas on ceilings, damp spots near a fireplace or wood stove chimney, peeling paint near roof overhangs, or water stains on pipes that vent your furnace or water heater through the roof, you may have roof leaks.

2. Examine Shingles

After every major storm and at least once a year, inspect the asphalt shingles themselves. Using binoculars to view the roof from the ground, look for shingles that are missing, torn, or shifted out of place. Look also for shingles that are warped, curled, or lifting at the bottom edge. Any of these problems could allow water to get to the roof’s underlayment during the next hard storm, causing leaks and rot.

3. Check Flashing

Flashing is narrow strips of metal or vinyl around skylights, chimneys, and attic vents. Make sure the flashing is all in place and that caulking around its edges is intact and not cracked. If you have steel flashing, look for signs of rust as well.

4. Inspect Boots

Check to see if the rubber boots around vent pipes are cracked or torn, and that caulking around them is sound too. If the boots are beginning to deteriorate, it’s time to replace them.

5. Look for Moss and Lichen

If you find clumps of lichen or moss or any other plants growing on your roof, it might mean that the roof is suffering from major decay. Have the roof inspected by an expert. Moss killer is usually applied in the fall, and moss swept off the roof in the spring.

6. Schedule Professional Inspection

There’s a lot you can’t see from the ground, so it’s recommended that homeowners have their roof inspected annually by a roofing professional. In the Jacksonville, Florida, area, Quality Discount Roofing is your trusted friend in the roofing business.

Does Your Commercial Roof Need Repairs?

Does Your Commercial Roof Need Repairs?

Roof damage can be costly and frustrating for a business. Commercial flat roofs can last for decades, but this doesn’t mean that they won’t require repairs from time to time. Damage to the roof of your commercial building could put your business at risk. This means that repairs should be made as soon as damage is noticed. Fortunately, your roof will give you warning signs when it needs to be repaired.

The Undercoat is Exposed

The undercoat of a flat roof is underneath the stone or tar. This serves as a cover for your roof. If this cover becomes exposed, then the tar paper can and will pull away.

Tar paper pulling away from your roof creates an even bigger problem that may lead to the need for a roof replacement. So, inspections should be performed every three to five years to check for undercoat exposure. Exposed areas should be repaired right away, but subsequent exposure could be a sign that your roof needs to be replaced.

Tearing in the Moisture or Vapor Barrier

A moisture or vapor barrier is a layer of polyethylene sheeting that creates an impermeable barrier to keep moisture from seeping into a building. It reduces water damage and mold and mildew. A damaged or torn barrier will need to be repaired right away to prevent moisture buildup.

It’s also one of the most difficult flat roof issues to identify. The only real way to identify it is to call in a contractor who specializes in Jacksonville roof repairs. Water damage will not suffice as an indicator for a torn moisture barrier, as water damage can have several causes.

It Has Holes or Leaks

Inclement weather, debris buildup and animal activity can cause holes in a flat roof. Holes will, of course, cause leaking. Leaking causes more roof damage, water damage, mold and mildew buildup and possibly buckles on the roof.

Buckles create separations where water pools and leaks into the building. If your roof buckles, then it will need to be replaced. You can avoid this by checking for damage periodically and especially after major storms.

The Panels Slide

If a flat roof has panels, then it’s possible for those panels to slide and come apart. This is another flat roof repair that must be handled immediately. Sliding that isn’t handled in a timely manner can result in irreparable damage. Debris and water can collect underneath those separated panels and create even weaker spots in the roof.


A flat roof repair can be a major job, but it doesn’t have to be a major cause for concern. To prevent the need for excessive repairs or a replacement have your roof inspected periodically by pros that provide Jacksonville roof repairs, such as Quality Discount Roofing.

Other topic: How to know whether to repair, patch, or replace your roof
Related topic: Roof

How to know whether to repair, patch, or replace your roof

How to know whether to repair, patch, or replace your roof


When an asphalt roof ages, dark spots, stains, and fade marks will appear on the surface. From a distance, the roof will look a bit unkempt, and every patch will be highly visible. Dark spots and streaks will appear when a roof receives little to no sunlight throughout the year. It is actually a form of mildew that discolors the roof and changes its appearance. Stains and fade marks are signs of wear and tear, and they could actually weaken the roof as time progresses. If you notice any of these issues on your roof, there may be an underlying problem that needs attention.

Roof Patch or Full Restoration?

Each day you walk by your home, you see the signs of a failing roof. You may be wondering if you need a roof repair or a roof replacement. To make things simple, you should always get the service that will fully restore the condition of your roof. If you hire a specialist for your Jacksonville roof repairs, the restoration will last for many years to come. If you’re on a tight budget, however, quick fixes such as a roof patch and a roof repair may be the most affordable option.

Assessments and Roof Examinations

By getting a roof replacement, you can solve every transparent and hidden problem at once. If every customer made this decision, service calls would be simpler and inspections would be quick and easy. If your shingles are still in good shape, you may not need a total roof overhaul. After a complete roof inspection, the customer will know if they need a few repairs or a brand new roof. The pros at Quality Discount Roofing will examine your roof thoroughly when you request an on-site estimate. They will check your roof for holes, soft spots, rotting wood, and damaged areas that may collapse unexpectedly.

Getting Assistance from the Experts

Jacksonville roof repairs are reasonably priced — and you can preserve your personal funds if you qualify for home improvement financing. There is no need to deal with that annoying leak or those unsightly shingle stains for another day. Let the pros at Quality Discount Roofing give you an assessment so you can determine whether or not you need roof patches or a new roof. They will even guide you through the inspection process so you can assess your own roof and receive an estimate faster.

Other topics: What to Look for in The Roof When Buying A Home
Related topic: Roof

What to Look for in The Roof When Buying A Home

What to Look for in The Roof When Buying A Home

Home buyers have many things to consider. Most people examine the size of bedrooms and the functionality of the kitchen, but often ignore structural issues that could potentially cost thousands of dollars in a short period of time. Below are some things to look for in a roof when you are buying a house. If you are unsure about the safety and structure of the home’s roof, contact Quality Discount Roofing for an inspection.

Do A Visual Inspection

Before purchasing a home, do a visual inspection to determine if there are any glaring defects. Some things you should look for in a Florida roof are:

  • Loose Or Missing Shingles

  • Curled Shingles

  • Rust Spots

  • Cracked Caulk

  • Worn Rubber Around The Base Of Vent Pipes

  • Piles Of Moss

If you see any of the above issues, consider obtaining a roof inspection to determine if there is damage to the roof or to see if you need a new roof. This is information you need before you buy your new house.

Check the Gutters

Check the gutters on the home for signs of asphalt shingle grains. This a gritty material that may be present in the gutters if the shingles are older and worn, which may mean it is time for a new roof.

Look for Signs of Leaks

When looking at any Florida roof, it is important to be sure there are no signs of water leaks. During the rainy season, a leaking roof can spell big trouble for homeowners. Even a small water leak can ruin furniture, damage the interior of the home and encourage mold growth. Some signs of leaks include:

  • Dark spots on indoor ceilings

  • Wet spots around fireplaces

  • Gaps around the chimney on the roof

  • Peeling or flaking paint around overhangs

If you are purchasing a new home or if you are concerned about the soundness of your existing roof, contact Quality Discount Roofing for an inspection and estimate. We have extensive experience working with Florida homeowners and can help you improve the efficiency of your roof, which will save you money over the course of the year. Making the decision to obtain a roof inspection will put your mind at ease, knowing your family will be safe and sound inside your home.

Other topic: Should You Install an HVAC Unit on Your Commercial Property’s Roof?
Related topic: Roof

How To Hire a Great Roofer

How To Hire a Great Roofer

Whether you need roof repairs or an entire roof replacement in Jacksonville, it’s important to take the time to find a qualified contractor. So many companies start up overnight and close down just as quickly. They aren’t reliable, and essential that you have a durable, well-built roof to keep out the rain.

Here are some tips for hiring that perfect contractor:

Check Credentials

The State of Florida requires that contractors have a license for most kinds of new roof construction. Always ask to see a license so you can write down the number and check it out with the Florida Department of Business and Professional Regulation. At Quality Discount Roofing, we proudly post our license number on the company website.

Ask About Insurance

Any good contractor will be insured against injury and property damage. Accidents happen to even the most safety-conscious of companies. Ask if the contractor carries insurance, what kind of insurance it is, and ask to see proof. You’re not being rude. You’re just being thorough. If you have a project, such as a roof patch, that will be covered by your homeowner’s insurance, ask if the contractor accepts insurance payments. Many contractors are willing to go above and beyond in helping homeowners submit insurance payment requests and in dealing with the adjusters.

Choose an Established Company

While there are a lot of contractors who invest in big marketing campaigns or may go door-to-door offering discounted services, you can’t be certain of their reputation. Before signing any agreements, look the company up to see how long they’ve been in business and what previous customers have to say about them. If a contractor has been around for a long time, you can reasonably expect it to continue being around for the duration of your roof replacement project.

Get a Contract

Speaking of agreements, insist on creating a contract for the project, even if it’s just for a roof patch after a storm. Documentation can protect both you and the contractor later on. Make sure to include:

•  The specifics of the project

•  What is being done

•  The agreed price

•  Project length

You and the contractor should sign it to affirm that you each agreed to the project terms. 

With these simple steps, you can confidently select a contractor for those Jacksonville roof repairs or a new roof. If you are looking for a well-established team to quickly complete your project, consider the professionals at Quality Discount Roofing. We’re happy to help with any need, big or small.

Why a Flat Roof is Perfect for Commercial Buildings

Why a Flat Roof is Perfect for Commercial Buildings

Flat roofs are common on commercial buildings because they are less expensive to install, easy to maintain and they allow the more efficient use of space both inside and outside.

Flat roofs cost less for several reasons. There is less surface area to cover than on a pitched roof, and flat roofs are easier to install, which saves on labor costs.

Maintenance costs less for flat roofs because they are easier to get to and walk around on than a pitched roof. That also makes it easier to spot leaks or other problems. When it’s time to repair or replace a flat roof, the project often can be completed in a day, depending, of course, on the size.

Strategic business owners who choose a roof with a flat design have opportunities to lower operating costs in multiple ways. For example, since this roof’s foundation isn’t sloped, air conditioning units can be placed above a property instead of on the ground. This installation strategy for AC units can prevent vandalism and accidents in risky neighborhoods and communities. If a commercial roof is large enough,

other items can be installed on the flat foundation as well, such as solar panels.

Extra roof space can also be used for projects like rooftop gardens. Flat roofs also allow for a more efficient use of top-floor space in buildings.

To appreciate all the maintenance and functional benefits that a flat roof offers, you must select a proper roofing solution that suits your needs and situation. Flat roofs made with traditional materials last anywhere from 10 to 20 years. Roofs made with newer – although more expensive materials – can last up to 25 years.

A traditional built-up roof is made from layers of hot tar and gravel. Gravel is fire-resistant, and the gravel is more attractive when seen from nearby windows.

A modified bitumen roof is assembled with the peel-and-stick material is easy to install and can be coated with a light-colored material to reflect heat from the sun.

Rubber membrane is a great solution for businesses that are located in severe weather zones. This commercial roof material doesn’t tear or scuff easily during storms. Also, whenever leaks develop on the foundation, they can be repaired fairly quickly.

When you’re planning a new flat roof, call Quality Discount Roofing in Jacksonville, 904-396-5000, or visit our website for more information.

Cool Roofs Versus Green Roofs

Cool Roofs Versus Green Roofs

Black asphalt shingles used to be the norm for roofing in many areas of the country. Those days are (thankfully) long gone, and for years, even conventional asphalt and fiberglass shingles have been available in a range of colors, enabling homeowners to color-coordinate their homes and making neighborhoods a lot more interesting.

More recently, we’ve entered an era where new alternatives are available. Of these, “cool roofs” and “green roofs” may be particularly appealing to Florida homeowners. According to Roofing Contractor, both reduce the heat that enters the home on a daily basis. Both also offer environmental benefits and help reduce energy consumption, but in most other ways they are very different.

Be Cool

A “cool roof” limits the amount of heat that enters the house via the roof, and enhances the home’s ability to radiate heat out from the interior. The primary feature of a cool roof is a light-colored roofing shingle or other covering. Light colors reflect light, while dark colors absorb it and convert it to heat, so all by themselves, light-colored shingles will keep a home cooler. But shingles that are designed specifically for energy savings have special materials in the mineral granules that enhance reflectivity further.

Beneath the shingles is a sheet material called underlayment. Conventional underlayments tend to trap heat inside the house, but cool-roof underlayments are specially engineered to allow heat to penetrate them and escape to the outside.

Be Green

A “green roof” is one that is covered, in whole or in part, with living plants. It is both literally and figuratively green. The plants on a green roof use sunlight for photosynthesis instead of reflecting or absorbing, which keeps the roof cooler. They also remove toxins from the air, according to the U.S. Department of Energy.

Of course, you can’t grow a garden on a high-pitched roof. Green roofs have to be flat. Because soil must be kept moist to keep plants healthy, a special waterproof membrane is required to prevent leakage. Other features, including a root barrier, drainage, and irrigation systems may also be part of the installation.

A Glaring Problem

One problem associated with cool roofs is glare. The light they reflect has to go somewhere, and that could be into a neighbor’s window. So while it’s keeping your home cool, it might be warming up the rest of the neighborhood.Green roofs don’t have that problem, because grass, flowers, and foliage aren’t highly reflective.

Carry That Weight

A cool roof weighs the same as any conventional roof. If you’re replacing a conventional asphalt shingle roof with a cool roof, there will be no problems with structural strength.

On the other hand, with several inches of moist topsoil spread across a flat surface, plus irrigation systems and the weight of the plants themselves, green roofs weigh a lot. Many existing roofs will not be able to support them without structural enhancements. For new construction, however, the roof can be engineered from the start to support the additional weight.


Sunlight eventually breaks down most materials. Because cool roofs reflect more light than dark roofs, they last longer. They’re not immune to this breakdown, however, and like other roofing shingle systems, eventually, they need to be replaced. But between replacement – a matter of decades – they’re virtually maintenance-free.

The soil and plants on a green roof protect the surface of the roof itself from sunlight, so that sunlight damage isn’t a factor. On the other hand, green roofs have constant ongoing maintenance costs. Taking care of the plants requires irrigation, fertilizer and other resources – especially manpower.

When you’re ready for a cool roof on your Jacksonville-area home, call the experts at Quality Discount Roofing: 904-396-5000. Our team can survey your home, formulate a plan and complete the project quickly. In just a few months, you’ll see a difference in energy usage and comfort around the home.