Will Commercial Property Insurance Pay For A Roof Replacement?

Property Insurance will pay for a roof replacement in the event of fire, lightning, wind, or hail damage, all characterized as Acts of God. Some commercial property insurance covers vandalism to your building, as well. Insurance will not pay for replacement resulting from improper craftsmanship or materials. The amount of coverage will depend upon whether your policy is based on Actual Cost Value (ACV) or Replacement Cost Value (RCV). The property insurance process is often confusing; we are here to help you navigate its complexities.

What Can A Building Owner Do To Extend A Roof’s Life?

• Stay off of your roof.
• Enroll in a Roof Asset Management plan that includes twice-yearly inspections and scheduled maintenance. Maintenance and longevity go hand-in-hand, because maintenance and weather are the determinants of roof life. The Pacific Northwest experiences huge extremes in weather. Expansion and contraction associated with those extremes affect every element of a roof, not just the part you see.
• PVC and TPO membrane roofs benefit from adding a thick walkway membrane in high-traffic areas. This extra membrane helps to protect your flat roof from punctures due to dropped tools or heeled boots.
• From the safety of the ground, look for visible signs of wind, hail, lightning, fire, or water damage. Be sure to check inside the building for signs of damage or water intrusion. Contact your property insurance company immediately after finding signs of damage.
• Employ manufacturer-certified commercial roofers to repair your roof and extend its life. Insist on high-quality materials, tools, and accessories required to do the job safely and efficiently.

When Should I Replace My Commercial Roof?

Replace a commercial flat roof every 15-20 years. After 20 years, a roof has already exceeded its life expectancy for our climate. Regular roof inspections will help to determine when it is time to replace your roof.

Serving Greater Spokane Since 1907

Spokane Roofing Company’s goal is to make sure that every commercial, industrial, institutional, and municipal roof we apply lasts as long as possible. Our A+ Better Business Bureau rating and positive customer reviews tell you everything you need to know about us. We have built our reputation for integrity and workmanship over twelve decades. Call (509) 838-8633 today to schedule a free, commercial flat roof inspection.

Citations

• Spokane Roofing Company – Commercial Roof Replacement
• Spokane Roofing Company – Commercial Roof Asset Management Program
• Spokane Roofing Company – TPO Roofing Building Owner’s Guide (TPO 101).