Discontinued Shingles: What Homeowners Need to Know for Insurance Claims 🏡💨

Wind Damaged Shingles

If your roof sustained damage from the recent storms, you might assume your insurance will only cover the necessary repairs or, it may not be covered at all if your deductible is higher than the cost of repairs. However, if your shingles are discontinued, it could mean that your insurance carrier could cover the cost of a full roof replacement rather than just a partial repair. 💰🔨

What Are Discontinued Shingles? ❌

Over time, roofing manufacturers stop producing certain lines of shingles. These could be phased out due to design updates, material improvements, or changes in manufacturing processes. When this happens, replacement shingles that match your current roof may no longer be available on the market. 🏠

How This Affects Storm Damage Claims 🌪️

When a storm damages part of your roof, insurance companies typically cover repairs by replacing only the affected shingles. However, if your shingles are discontinued and an exact match isn’t available, a partial repair could leave your roof with an inconsistent, patchwork appearance. This not only affects curb appeal but can also lower your home’s value and even violate HOA guidelines. ❌🏚️

Insurance policies often include a matching coverage clause or provisions for comparable materials. If the damaged shingles cannot be replaced with an exact match, your insurance carrier may be required to pay for a full roof replacement instead of a simple repair. ✅🏠

Texas Law and Insurance Regulations ⚖️

In Texas, insurance companies are required to indemnify homeowners, meaning they must restore the home to its pre-loss condition. If discontinued shingles prevent a seamless repair, insurers must consider full replacement as the only viable solution.

How to Determine If Your Shingles Are Discontinued 🔎

If you’re unsure whether your shingles are still in production, contact us at Pearson Roofing. W can identify the type of shingle and confirm availability. 🏗️

We will then request a shingle match report from a roofing supplier to verify if your specific shingle is still being manufactured. 📋

Navigating an insurance claim for discontinued shingles can be complicated, but Pearson Roofing has the expertise to help you through the process. Our team works directly with homeowners and insurance carriers to ensure you receive fair compensation for storm damage. 💪

If you suspect your roof has discontinued shingles, don’t wait until the next storm hits. Contact Pearson Roofing today at (972) 471-2700 for a free inspection and expert guidance on your insurance claim! 📞📢