If iI do my own roof,is my insurance void?

nikosmom

Do you mean if you have a leak? Your homeowner's insurance only covers "sudden perils" which means in general slow leaks are not covered.

If your roof leaks suddenly due to say, heavy rains and damages your flooring, then yes your insurance will cover this.

But if say due to improper installation you have a leak over several months that causes mold, then there is no coverage provided.

One thing to keep in mind is that as a homeowner you are responsible for regular maintenance of your home so if you incur a loss due to improper installation, then insurance will not likely cover this. If it were the case that a professional installer did sub-par workmanship, then they would be responsible for the resulting damages.

Assuming, since you are asking this question, that you know how to install a roof, then that in no way 'voids' your insurance. As long as the job is done properly, then you won't run into any problems insurance-wise. You just won't have the added protection of a professional guarantee of the craftmanship.

CHARTOH

Thank you for answering my question! I dont have any experience installing my roof, but myself and a friend that does did it. And it came out great no problems. I took before and after pictures of the roof. So i hope that it is good enough to were my insrance co. Does'nt say that the insurance is void.

nikosmom

Just because you did the repairs/installation yourself, this will not void your insurance. As long as you're confident that your work meets industry standards where you won't have any issues with leaks, lifting shingles, etc., then you're fine. Are you worried about something specific other than leaks?

CHARTOH

No.. Not worried about leaks at all,I was just worried that my insurance would be void because a friend and myself did the work. As far as lifting of shingles, this is Oklahoma and I do not have any trees what so ever to protect my house from the wind. So if some shingles blow of I guess I will have to go up and fix it. But I'm very confident that I will not have that problem. At least for the time being.

csavage1

When you do a shingle roof you need to tar under every shingle at the eave( bottom/dripedge area).

Also as you work your way up with your shingles at the rake edge (leftside/rightside of the roof) you should tar under every shingle at that end.
This will prevent the shingles from blowing off.

When a roof starts to fail that is where they start to flop and with a spot of tar under the eaves and the rakes your roof will be worry free.

KeepItSimpleStupid

There are a number of ways to do the drip edge area which is the most important. The most robust way is to:

1. Use weather and rain paper (ex: Grace ice and water shield) at the edge and within a certain distance of the inside wall This is a self-adhesive paper.

2. Use a starter strip. Alternately you can cut shingles and install them upside down on the first course. Not reccomended is to use a double layer as the starting strip.

Install a drip edge.

Make sure the shingles hang about 3/8 of an ince over the drip edge.

Use chaulk lines.