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Would you value getting a brand new roof in Surprise for free (under warranty)?
One of the things that can be most surprising to our roofing clients in Surprise is the possibility that their roof may need major work that will be partly or even totally covered under existing warranties or home insurance policies. In some cases, even when the external damage may seem minor to you, our
roofing contractors have helped home owners in Surprise to get their entire roof replaced with no cost to them at all (including when they had already covered that year’s deductible on their home insurance).
Basically, roofs and roofing materials come with warranties. The length of the warranty is typically constant nationwide (without any adjustments based on the location of the roof). So, many roofing companies have issued warranties for long periods such as 20 years that are “very generous” to home owners in Surprise, Arizona.
Why do I call those long roof warranties “very generous” to people in Arizona? Many kinds of roofs do not last as long here in Surprise AZ compared to other states (so the roofs often need major repairs or replacement sooner than they usually would outside of Arizona). However, the full warranty protections still can be active far past the normal lifetime of your roof.
Why do certain kinds of roof not last as long here in Surprise AZ?
In this part of Arizona, roofing materials can deteriorate quickly because of the intense heat of summers in Surprise plus the annual monsoon storms (with damage from hail and gusting winds in dust storms). The extra stress to the exterior roofing surfaces will usually result in the need to repair or replace your roof much more often in this part of Arizona than if that same roof was in another state.
With the image below (from an article by the
National Association of Certified Home Inspectors), note the bottom of the three sections. When the roofing material is already deteriorated (like by a decade of Surprise summers with heat far over 100 degrees), then a single hail stone can cause significant damage leading to the potential for a
leak (and massive insurance claims for
water damage). 
In some cases, there is
roof damage in so many places that our
roof inspection specialists in Surprise can take photos and make measurements that get the attention of the warranty provider or insurance company. Insurance companies in particular do not want a slowly
leaking roof to lead to much more extensive
water damage or mold. This is especially true of asphalt shingle roofing in Surprise, which can fracture (crack open) when damaged by a
hail
storm.
image source: https://www.nachi.org/hail-damage-part5-32.htm
So, when the effectiveness of the roofing has been sufficiently compromised (what the insurance companies call “disturbed” roofing), then they will often approve paying for a full roof replacement. They know that the cost of all of the individual
repairs can actually be larger than replacing the roof.
Further, the insurance companies know that roof warranties in Surprise, Arizona are often “generous.” That means that if your roof warranty is near expiration, your insurance company may favor paying for a new roof (which starts over a new period of warranty coverage). The insurance company wants new warranty coverage because that new warranty reduces the future financial risks of the insurance company.
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