Does Insurance Cover Roof Repair and Replacement?

close-up of damaged shingles in need of repair

Making a Claim

After a long, cold, wet winter, everyone looks forward to the spring. Until the spring storms come through and leave damage behind, like the damage they can do to roofs. This is one of the busiest times of the year for insurance companies with homeowners filing roof insurance claims.

Is storm damage covered by insurance? 

Storm damage roof insurance isn’t a separate policy, it is included in a homeowners insurance policy to provide you financial protection when your home has suffered damage by storms. In most cases, most homeowners’ insurance policies have coverage for certain storm damage.  The roof insurance coverage includes damage caused by hail, lightning, and wind, but what is not covered is damages that were caused by earthquakes and floods. 

After you have had your roof inspected by a contractor for storm damage to the roof, insurance company should be called, and they will send an adjuster out to inspect the roof and other possible damage.  The adjuster will use a formula to determine how much damage is within the roof insurance limits and advise you of the amount they are approving. 

After you have paid the deductible, they will either pay your mortgage holder or send a check made out to you and the mortgage company. After the repairs are made, any funds that are left will be yours to keep. Or if the amount doesn’t meet the exact cost of the roof and other repairs, you’ll be liable out-of-pocket for the balance. 

What types of roof damage are covered by insurance?

In general, your homeowner’s insurance should provide cover for damage caused by falling tree limbs or trees, ice storms, hailstorms, high wind, tornadoes, or wildfire within a certain amount of coverage as stated in your policy. 

Something is considered storm damage when it’s the result of destructive weather events. This includes any interior or exterior parts of your home other than roof insurance coverage. The other aspects that insurance can provide coverage include: 

  • The exterior siding
  • The doors, windows
  • Gutters and downspouts
  • Power surges that caused damage
  • Fire from lightning strikes

Is hail damage covered by insurance?

Yes, any Texas homeowner’s insurance policy should include hail damage roof insurance claims or hail damage to any part of your home. From the roof to the siding to the windows, gutters, and more, your insurance policy should cover hail damage. 

Will insurance replace my roof if a tree falls on it?

Yes, a standard homeowner’s insurance policy will provide roof insurance for repairs or replacement should a tree fall on it, or any structure that is covered under your policy. This includes garages, storage sheds, etc. The same holds true for any damage sustained by hailstorms, high winds, or lightning.

Regardless of who the tree belongs to, if it falls on your roof, insurance on your property will pay for removal up to a limited amount, and then they will work with the tree owner’s insurance for reimbursement. If your insurance company is reimbursed for the roof insurance claim, you will be refunded any deductible you paid.

Will insurance cover my roof replacement?

A typical homeowners insurance policy does cover all perils, including roof insurance for replacement costs if damaged by acts of nature or by accident that you have no control over happening, like vandalism. 

Where roof insurance problems come into the picture is when the roof is aged or has normal wear and tear that is damaged by hail, lightning, wind, or other weather issues. The insurance adjuster will deny the claim citing that if the roof had been replaced when needed, the damage wouldn’t be at the roof insurance claim level. 

Will insurance cover my roof repair?

The insurance industry has regulations, rules, and standards and if your roof insurance claim doesn’t fall within those things, your claim could be denied. Some of the reasons roof insurance claims are denied could be any of the following: 

  1. Age: Every roof will eventually age, no matter the quality of the material or the installation. A roof insurance claim on a roof that is 10 years old will be approved before a roof that is 20 years old. Chances are, if you apply for homeowner’s insurance and the roof is old, it will have to pass inspection before any insurance company will cover it anyway. 
  2. Neglect: Most insurance companies are going to look for the fault of the homeowner to avoid paying for any roof insurance claim. If a limb from a tree on your property falls on your house, they’ll blame it on the tree not being trimmed back from the roof.  If the insurance adjuster sees that repairs have been neglected when the hailstorm hit, they’ll deny your roof insurance claim. 
  3. Material: There are some roofing materials that insurance companies won’t cover, specifically wood shingles. Any roofing material is considered at high risk for fire or water damage, and if they do provide coverage, it will be expensive. 
  4. Type: If you file a roof insurance claim and the adjuster determines the type of damage isn’t as claimed, they will deny the claim. For instance, you claim hail damage, but they find the damage caused by foot traffic. 

Can you repair a roof without replacing it?

Certainly, but if you file a roof insurance claim and it is approved for replacement, but you only make repairs, then the next time you file a roof insurance claim, it could be denied. It is always best to fulfill what the insurance company approves.

Should I hire a professional for roof repair?

It is recommended to have a professional roofing contractor do any roof repairs or roof replacement.  The insurance company will expect to see invoices or receipts where the work has been done and is guaranteed. If anything is wrong with the work according to the insurance company, the roofing contractor will need to make good on the work. 

worker replacing a damaged shingle roof

In Closing – Who Has the Last Word? 

Can you negotiate your insurance coverage? Absolutely!  Especially if you don’t have a lender or mortgage company involved, it is in your best interest to save money where you can, but you want to keep yourself covered too!   Work with your insurance agent to get changes that will keep you covered but have changes made that don’t affect you now. 

A Guide to Standing Seam Metal Roofs

building with a standing seam metal roof

What is a standing seam metal roof?

Ozark, Missouri, and all around there is considered Tornado Alley. However, tornados aren’t the only concern! The summers can be blistering hot, and the winters have known to dump a lot of snow. With all that in mind, commercial and industrial building owners have to choose roofing materials that are durable all year long, which makes standing seam metal roof installation one of the most popular choices. 

When you have a standing seam metal roof installation, you are getting one of the most common and popular metal roofs. Once found only on large commercial or industrial structures, they are now installed on homes too. 

Defining a standing seam metal roof is a concealed fastener metal panel roofing system. There are two vertical legs with a wide, flat area in between them. The vertical legs are also described as raised seams or standing seams because they are above the flat panel. 

The key factor that makes a standing seam metal roof installation popular is the hidden fasteners. While the wide flat panels are attached directly to the roof decking with a clip under the standing seam, aka vertical legs. 

How is a standing seam metal roof attached?

A standing seam metal roof installation won’t be done with exposed nails or screws. Instead, there is a clip that that fits over the ‘male’ leg’s top, and the clip is then screwed down to the roof decking to hold the wide flat metal panel in place. 

Are standing seam metal roofs noisy?

Not any more than a vacuum cleaner!  Yes, a vacuum cleaner is just as noisy as a standing seam metal roof installation will be, up to 70 decibels. Surprised? The key to this low-level noise is quality of metal and quality process of installation. 

A flat surface is going to reduce the sounds of anything hitting it hard, like the wide, flat metal panel of standing seam metal roof. Installation of a flat, uncoated sheet metal cannot shorten the sustained sound reflection, aka reverberation. 

So, therefore, the roof’s structure is a key component to noise reduction, meaning a solid roof decking with insulation and underlayment, will minimize the sound of rain hitting the standing seam metal roof. Installation of advanced metal roofing products with a thicker the coating and an irregular surface texture, will be even more effective dampening the reverberation. 

Is a standing seam metal roof impact-resistant?

Some advantages of a standing seam metal roof installation on a commercial or industrial structure are:   

  1. Weather-resistance
  2. Durable and Long Lifespan
  3. Fire Resistance
  4. Minimal Maintenance
  5. Energy Efficiency
  6. Ideal For a Low Slope Roof
  7. Impact Resistant!  So, that means you can you walk on a standing seam metal roof?

Absolutely!  A standing seam metal roof installation is ideal for commercial structures where foot traffic is expected on the roof. Whether is the HVAC system, ventilation system for factories and restaurants, electricians, plumbers, or infrastructure, a standing seam metal roof installation can withstand it all. 

Can you repair a standing seam metal roof?

Yes, once you have your standing seam metal roof installation completed, if there is any issue that needs to be repairs, it is recommended to call the roofing contractor that installed it to do the repair.  If the roof existed and you don’t know who that was, your maintenance team can use a polyester fabric seam tape to create a patch. 

They should cut the polyester fabric tape to be up to five inches longer than the damaged area. Then laying the tape over the area, they should press firmly on both sides of the standing seam then apply an elastomeric coating.

Do standing seam metal roofs leak?

 If a standing seam metal roof installation is done by an experienced roofing contractor that knows how to install standing seam metal roofing, there shouldn’t be any problems with leaking. Quality installation job is essential for installing a metal roof of any style.

With routine inspections and maintenance, any possible areas that have appear to be prone for leaking, like pooling or puddling water, can be caught before it happens. Then the steps can be taken to fix the issue before the leaks happen. An annual professional inspection is recommended and monthly visual inspection by your maintenance team are key in getting a long lifespan of a standing seam metal roof installation. 

home with a standing seam metal roof


What is the life expectancy of a standing seam metal roof? Again, standing seam metal roof installation quality is all about the success and longevity.  A commercial structure with a standing seam metal roof should get up to 40 years before need replacing. 

Other factors that affect the lifespan is the weather, the type of metal and the shape of the roof. A flat or low slope roof will need replacing sooner, usually within 30 years, than a commercial structure with some slant to the standing seam metal roof installation. 

Is a standing seam metal roof a good choice?

standing seam metal roof

A Beneficial Roofing Choice

The states along the south, spanning from Texas to Florida, are subjected to some crazy weather all year long. Sometimes, all on the same day!  So, for a large commercial or industrial structure, the roof undergoes a lot of abuse, which is why many of the owners go with a standing seam metal roof installation when it is time to replace their roof.

What is a standing seam on a metal roof?

A standing seam metal roof installation system can be used in a range of applications and building projects. With interlocking seams featured that connect the metal panels give a commercial or industrial building roof an attractive and distinct appearance. Because this type of roofing is made from high-end aluminum or steel, you can expect a long lifespan with low-maintenance, ideal for any owner of a commercial or industrial structure. 

How does a standing seam metal roof work?

A product from the metal roofing family, a standing seam metal roof consists of panels that have legs. The legs engage and are installed with clips to the substructure, or there is the clipless style of standing seam panels. 

Regardless of how the standing seam metal roof installation is attached, the fasteners will not be exposed in the panel plane. And the project specifics will depend on whether exposed fasteners are used for trim applications or not. There are several benefits of a standing seam metal roof installation in addition to no visible clips including:

  • Designed for Contraction and Expansion: A standing seam metal roof installation will contract and expand with the temperature changes because of the clips used to attach the roofing. The clips keep the metal from buckling or tearing as they move, which makes them watertight sealed and keeps them from leaking. 
  • Parts and Pieces Interlock: This is a key feature to a standing seam metal roof installation is how the panels and trims interlock via a “Hem”, the 1” to 1-1/2” fold in the metal that hooks up to another piece of the roofing system.
  • Elevated Ribs Keep the Seams Dry: The standing metal rib keeps the metal roofing elevated off the surface and reduces the chance of ice, snow, or water from entering the joints between the metal panels. 
  • Metal Thickness and Painted: The thickness of the steel used in a standing seam metal roof installation and the type of paint used can extend the lifespan of the roof. The smaller the gauge, the thicker the metal. 

What are standing seam metal roofs made of?

The panels used in a standing seam metal roof installation can be made from various types of metals including, aluminum, copper, or galvalume-coated steel.  Most manufacturers of standing seam metal roofing materials will use Kynar paint or siliconized polyester paint.  The thicker steel will ensure a longer lifespan and with a quality top-notch paint, the roof will look for years without the color fading.

Can you paint a standing seam metal roof?

Even though a metal for standing seam metal roof installation will have a baked-on factory finish, after many years, the paint can begin to fade, or the owner/occupant may desire a different color. Painting is possible with either an airless paint sprayer or a roller that is designed for corrugated panel roofing or a regular paint roller for a standing seam panel system. Be sure to follow the instructions on the paint container, including a thorough cleaning and preparation.

How long will a standing seam metal roof last?

A standing seam metal roof installation will last up to 50 years, even longer, when well maintained and careful with footwear for any foot traffic.  Yes, you can walk on a standing seam metal roof when wearing proper footwear that will grip (the metal can be slippery) but not footwear that will scratch and scuff the metal.

Are standing seam metal roofs noisy?

Today, a standing seam metal roof installation won’t be any louder than other roofing materials. That is because the process of the installation is different than years ago. What do you put under a standing seam metal roof? 

Today, roofing contractors use insulation and solid decking with airspace in between the rooftop and the ceiling. All of this absorbs and muffles the sounds that could make it noisy otherwise. An underlayment of felt or a synthetic material over the decking provides not only additional protection from heat, ice, and water but sounds. 

Can a standing seam metal roof be reused?

Yes, the materials used in a standing seam metal roof installation are often made from recycled materials. Then, when they have reached their useful roof life, the metal can be repurposed.

home with a standing seam metal roof

So – Is a standing seam metal roof worth the money?

Absolutely! Just ask anyone that has had a standing seam metal roof installation. It has become the foremost choice for any commercial or industrial building owner despite the initial expense. Why? Because they will give them a longer lifespan, meaning a new roof in 50 years (or longer) instead of 30 to 40 years. And the architectural styles of today, metal roofing is an ideal match! 

Why use EPDM roofing?

commercial flat roof with EPDM

Protecting Your Roof

All across the southern states, from Texas through Mississippi and into Florida, the weather can take a toll on anything and everything. And with its constant exposure to everything from hot blistering sun to high winds and hailstorms, the flat roofing on a commercial structure takes a beating. This is why many commercial structures in this area use EPDM roofing material. 

What does EPDM roofing stand for and what is EPDM roofing? 

EPDM roofing material is an abbreviation for Ethylene Propylene Diene Monomer, a terpolymer synthetic rubber roofing membrane that is widely used on flat or low-slope roofs. Ethylene and propylene are the two primary ingredients, both being derived from oil and natural gas. It is sold in widths measuring between 7.5 feet up to 50 feet and with a thickness of 45mil or 60mil. Known for strengths rather than aesthetics, EPDM roofing typically only comes in black or white. 

Why use EPDM roofing? 

EPDM roofing is a rubber membrane that is known and chosen by building owners for its several benefits, including: 

  • A long lifespan, averaging between 25 years and 30 years. 
  • Flexibility that makes it more durable because it can move with the building
  • Lightweight, making the material easier to install
  • High resistance to hail, UV rays, wind, hail, and more
  • Resistant to extreme temperatures and thermal shock 
  • Watertight when installed by an experienced contractor that knows how to apply EPDM roofing
  • Comes in varying widths, minimizing the number of seams on a roof
  • Reflects heat from penetrating rays, keeping the interior of a building cooler leading to less need for air conditioning and more energy efficiency
  • Almost 100% recyclable

What goes under EPDM roofing?

An experienced roofing contractor that has worked with EPDM roofing before and understands the material will take the following steps prior to installing the EPDM material:

  • A new wood-framed roof will have an exterior-grade plywood or OSB (oriented strand board) sheathing attached using non-popping fasteners. 
  • An existing wood-framed roof will be stripped, with new plywood or OSB installed over the existing sheathing. 
  • If the roof appears to be in good shape after stripping, ring-shank nails will be installed adjacent to the original fasteners, overlapping them to prevent popping of the original.
  • A new concrete roof will be steel troweled and allowed to cure for 30 days before the waterproofing is applied. 
  • An old concrete roof will be stripped, pressure washed, and then patched. 
  • Prior to starting the EPDM roofing job, the contractor will inspect the roof and caulk any edge transitions or large gaps. They will also grind or sand down any protrusions, and round off all external edges to a half-inch radius.

What sizes does EPDM roofing come in?

EPDM roofing membrane comes in widths as small as 7.5 feet and as wide as fifty feet. There are three different thicknesses to choose from: 45 Mil, 60 Mil, and 90 Mil. A Mil is one/thousandth of an inch – for comparison, the 45 Mil thick EPDM roofing membrane is almost equal in thickness to a dime.

Is EPDM roofing flammable?

No. In fact, EPDM roofing is highly fire-resistant, being virtually impossible to ignite and able to impede a fire’s progress. This makes it an incredibly safe roofing material overall.

Which is better – EPDM or TPO?

When you need commercial roofing that needs dimensional stability, TPO roofing is the better choice because EPDM has a higher chance of shrinking, which can lead to leaking and other problems. Other reasons some building owners may find TPO to be the better roofing choice include: 

  • ENERGY EFFICIENCY: TPO has high reflectivity. This can save money for buildings with either electric or gas heat and cooling. Whereas EPDM is generally installed on darker surfaces, TPO is always a light color to help reflect the heat. This is a big bonus for those in southern states. 
  • INSTALLATION CONVENIENCE: TPO is versatile with its installation. It can be adhered, installed mechanically, or welded. 
  • REPAIRS: TPO can be repaired by heat-welding after cleaning the membrane. Repairing EPDM is dependent on the weather. If it is too cold, welding or re-taping requires a primer and adhesives instead, or building owners will need to wait for warmer weather.  
commercial EPDM roofing

A Final Note – How do you repair EPDM rubber roofing?

While we just pointed out that it is much easier to repair TPO roofing, that doesn’t mean EPDM roofing can’t be repaired. For a long-lasting repair to EPDM roofing, as long as you have the proper materials and follow careful preparation, the synthetic rubber that makes up EPDM roofing membrane can be repaired quite easily in fact. 

Do note that you cannot use asphalt-based products like roofing cement flashing or an asphalt-based roof coating. Aluminum roof coating should not be used either, as all of these will contaminate the membrane and lead to a need for further repair. 

The EPDM roofing repair process is as follows: 

  1. Prepare the surface by cleaning off any dirt and oxidation with an all-purpose household cleaner that won’t leave a residue. 
  1. Cut the right size patch – about two inches bigger than the area being patched. 
  1. Prime the area with a thin coat of roofing primer for EPDM roofing material using a paintbrush or a paint roller. Spread the primer beyond the edges where the patch will be placed. 
  1. Install the repair patch with a pressure-sensitive patch by removing the backing and applying it to the roof. You can also use a glue-down type patch with EPDM adhesive to attach it. 
  1. Seal the edges of the patch with an EPDM lap sealant, smooth and flattening the sealant as you work it.

Keeping all this in mind, you can have great EPDM roofing for your building that will last for years to come. Reach out to us if you have any more questions or you’re interested in the installation of this quality roofing material.

What are fascia and soffit boards?

Close-up of roof fascia

Knowing Your Roof’s Components

There are many components to a roof, and a homeowner doesn’t necessarily know them all until they need roof repair or replacement. When a roofing contractor tells a homeowner they need the soffit repair on their roof, many confuse that with the eave. So, what is the difference between an eave and a soffit?

Most roofs, by necessity, extend over the walls of a house, and will be referred to as eaves or rafters. The underside of that overhanging is usually finished off, then creating what is called the soffit. The word “soffit” is defined as “something fixed underneath”. The soffit has a cosmetic look that will close off the eaves and rafters, aligning them to match the rest of your house.

What are the fascia and soffit?

The fascia and soffit are what completes the roof. The exterior soffit is installed on the span under the rafter tails, and fascia is the horizontal piece of wood (or vinyl) installed on the end of the rafters. These are thought to be nothing more than architectural elements that are installed along the eaves and rafters, providing a visual appearance of completed roofing. However, they are more than just a finished look for the roof. 

What is the fascia on a house?

As described above, the soffit is what closes in the eaves or rafters, creating a finished look. The fascia is the wood that runs along the side of that overhang and completes the roof. The fascia is where the gutters are installed, and the holiday lights are hung. It is the transition trim that is installed between the house and the roofline. Often, when soffit repairs are needed, the fascia will need repair or replacing in the same area. 

Why are soffits vented?

There are two soffit vent types:

  • Continuous: The newest soffit vent system and most popular today because of the volume of fresh air they allow inside the attic. 
  • Individual: Still a popular way to vent a soffit, especially in challenging areas of a roof like a partitioned attic or the kitchen. 

Soffit venting is needed on the underside of the eaves and rafters and work in coordination with other venting system to keep fresh air flowing through the attic. Fresh air is needed in an attic to prevent moisture build up that is natural to an attic. Keeping moisture minimal in an attic, the HVAC system doesn’t work as hard, and it keeps the roof structure healthy. Soffit repair is critical in the soffit doing its job of keeping the roof cool in the summer. 

What is soffit repair?

Soffit repair is done when there is water damage to the eaves, gable overhangs, and rafters. This damage usually happens because of any of the following: 

  • Ice dams
  • Improper flashing
  • Damaged or faulty gutter system
  • Missing or torn shingles

When these any happen, it allows water to seep in, which starts the process of rotting the wood, which will spread quickly inside the dark space of the attic that has now become soggy. 

Until soffit repair is completed, the damaged wood will allow small animals and critters to enter the attic through the eaves. Once in there, they start building nests and chewing the electrical wiring and more, causing more damage. 

You can call a professional roofing contractor to do any soffit repair, or you can learn how to repair rotted soffit by following these steps: 

Step 1: Remove shingle mold using a pry bar. This is the narrow piece of wood installed as shingle molding along the fascia. If it comes off without splitting, save to reuse.

Step 2. Remove the rotted fascia taking care not to damage the flashing or shingles. 

Step 3. Remove the old soffit by pulling it down carefully, be prepared for nesting from small critters. 

Step 4. Remove the rotted rafter using a reciprocating saw to cut it out, then replaced with pressure-treated lumber.

Step 5. Attach a cleat to support the new overhang you’re installing.

Step 6. Attach the new rafter by clamping a 1×1 board for backing in place and fastened to the rafter with screws. Then screw the rafter into the cleat. 

Step 7. Seal the replacement soffit with a waxy sealer to keep water from penetrating the wood. 

 Step 8. Attach the replacement soffit by fastening the plywood soffit underneath the eave. 

 Step 9. Replace the crown molding along the wall beneath the rear side of the new soffit.

Step 10. Attach the replacement fascia by sliding it into place and secure with galvanized nails. Then seal the nails with putty over the top. 

Step 11. Attach the shingle mold you removed in step one.

What material is used for fascia?

In most homes, the fascia is made from wood, an effective material for the purpose of a fascia. A fascia board can be made of PVC (polyvinyl chloride) of non-corrosive sheet metal as well. Some non-residential structures have a fascia made from ornately carved stone.

What are the different fascia and soffit types?

There are four different types of materials used for the fascia and soffit: 

  • Wood Affordable, multifaceted, and with the right finishing treatment, it is water-resistant. Painted will increase its lifespan. 
  • Composite: Made from recycled wood chips & sawdust then bonded with epoxy resin. A most expensive option than wood but is colorfast, durable, and rot-resistant.
  • Vinyl: A durable material that is easy to install, maintain, and repair. Less expensive than wood and cleans easily by spraying. 
  • Aluminum: A popular choice and considered an upgrade from wood in all aspects. Durable, flexible, and weather-resistant with low maintenance needs. 
Close-up of roof soffit along gutters

In Conclusion – Why replace fascias and soffits?

Because it makes your house look better! While the fascia is really for looks more than anything, the soffits complete the look of your roof to your home and keep the eaves closed off from critters and the weather. If you need soffit repair in Osage Beach and Lake Ozark, MO, reach out to Thompson Roofing & Reconstruction at (573) 789-8367 to schedule your service. 

Where does a vented soffit go?

Worker installing a soffit.

What is a soffit?

The roof on your home has several components, including elements of your home’s roof that serve a specific purpose, such as the fascia and soffit. These pieces are not just for attaching gutters and holiday lights either. The fascia and soffit have important jobs that keep your roof healthy. 

What is the purpose of a soffit?     

The soffit has two purposes: aesthetics and functionality. The aesthetics of a soffit give the home exterior character in a variety of colors and designs. The soffit creates an interesting façade from a distance as well as close. The functionality of the soffit is to provide protection from the elements for the rafters. It keeps moisture away, thereby reducing the possibility of mold and extending the overall lifespan of the roof. 

There can be a third purpose for a soffit depending on the roof system’s design; this is natural ventilation from the soffit to the attic. While the soffit installation itself isn’t vented, it does camouflage the vents found in a roof’s overhang. It is in this part of the roof where the intake vents are located, allowing air to exit through the roof’s peak vents. 

Modern homes are constructed with attic ventilation, improving indoor air quality and increasing energy efficiency with natural cooling. This additional venting has proven to be another way of offering moisture management to prolong the lifespan of the materials used in the construction of a roof. 

What material is used for a soffit?

The soffit on your home can be constructed from a variety of materials, with each having its own attributes. The better choice for your home will depend on what your home needs, taking these attributes into consideration. Choices in soffit materials include: 

  • Wood: This material has been around forever in features such as wood siding, and is still used today. Soffits made of wood will have wood grain and texture, a visual many homeowners desire. They often come perforated or have vents in them from the factory; some will come completely solid.
  • Wood soffits can be painted, but like wood siding, they will need constant care and maintenance. They can be attractive to look at but are attractive to insects and wood rot, too, especially if left unpainted. 
  • Vinyl: This option came along in the 1950s and is a low maintenance choice that can be painted or not, as there isn’t any wood rot to worry about. Vinyl soffits have a wood grain appearance and come in perforated and vented styles. However, vinyl is susceptible to cold weather as it freezes and cracks, and in intense heat they can melt. So with that in mind, they may need replacing more frequently than you want to worry about. 
  • Vinyl soffits can look like plastic as well, and have overlapping seams instead of a flush fit. That overlap can cast a shadow that takes away from a home’s appearance.
  • Aluminum: This material has also been around for decades. It doesn’t rot and is almost maintenance free. It’s available in a variety of colors and textures, including simulated wood grain capable of mathing any architectural design. They come perforated for venting or solid and are insect and rot-resistant, as well as flame retardant. This choice will weather better in the cold or heat. 
  • Do note the color will fade unevenly and can become chalky, which can minimize the beauty of a home. Aluminum also dents easily and if the paint is scuffed off, it tends to rust. To minimize this chalky surface, frequent repainting is needed. 
  • Fiber Cement: Soffits made from fiber cement are durable like the siding made of the same material. This material is made from cellulose fiber, sand, silica, and Portland cement blended together, creating a non-porous material that is insect and moisture-resistant. It is a flame retardant material that is rot-resistant and won’t fade like painted wood or get a chalky surface. Fiber cement soffits are available in a cedar-look or smooth surface, perforated or solid, and natural wood stain or a range of colors that will complement any exterior appearance. 

Do I need a soffit?

Yes. The most important reason your home needs a soffit is for the purpose of ventilation. The soffit covers the roof’s underside and a portion of the attic space. Heat then builds up inside the attic from the sun above and the energy inside the home. That heat needs to be vented or it can create wood rot on the rafters and decking.

A soffit also provides the roof a more finished appearance. Without soffits, your home’s exterior would show the roof rafters in the overhang, which is not an appealing look for any home.

What is the difference between an eave and a soffit?

The key difference between the eave and the soffit is what they do and where they are located. The eaves are the edging of the roof where it overhangs, facing the walls of the house. The soffit is structural, located under the fascia where it fills the space between the roof edging and the walls of the house. 

Are vented soffits necessary?

Soffit vents aren’t the only air intake method, and the other methods are sufficient. However, the more ventilation your roof has, the better. If the soffit is sagging, it may be from rainwater collecting behind it. Removing a few pieces of the fascia will allow you to see what is going on and make any needed repairs. Leaving it as-is can lead to roof or siding damage as well as costly repairs or replacement. 

View of soffit on a roof.

Closing Question – Can a house have a soffit without a fascia?

Structurally, yes. The roof won’t fall off without a fascia, but why would you not want the fascia? It not only protects the ends of the rafters from the weather, but it gives your home a smoother exterior from the ground to the rooftop. If you’re ready for help with your home’s fascia or soffit in Osage Beach and Lake Ozark, MO, call Thompson Roofing & Reconstruction at (573) 789-8367.

What is TPO roofing material?

tpo roofing system

What is the life expectancy of a TPO roof?

A commercial structure will typically have a flat roof and it is often coated with a TPO roofing material. TPO stands for Thermoplastic Polyolefin and is a single-ply membrane installed no commercial roofing. This single layer of synthetics with reinforcing scrim has proven its ability to protect the building and its contents. 

Roofing is important to any structure and as the building owner, expense is an important issue as well. You’ll want a roofing material that will last and provide many other benefits.  TPO Roofing is the membrane to do all of that and more. 

In Missouri, we can’t guarantee our weather from one day to the next season. With a professional installation and proper maintenance and upkeep, a TPO roofing can last up to thirty years. 

Is tpo roofing good?

Yes, when it come to puncture resistance and tear resistance, TPO roofing is incredibly good for flat structure roofing.  It is dirt build-up resistance as well, which will help lower cooling costs because it isn’t holding heat in with the dirt. TPO roofing benefits include: 

  • TPO Roofing is Economical – this is one of the main attractions for commercial structure owners. As efficient as its biggest competitor, PVC, with energy efficiency and hot-air weldable seams, but cost less. 
  • TPO Roofing is Durable – when you compare TPO roofing to other thermoplastic membranes, it holds up better to dirt accumulation, mold growth, punctures, and tears.  When it comes to tpo roofing and hailstones, TPO comes out the winner. 
  • TPO Roofing Installs Easily – For your roofing contractor, this is important and for your cost of installing a new roof, with TPO roofing being easier to install, you’ll find quotes for installation are usually cheaper. 
  • TPO Roofing is Energy Efficient – TPO roofing is highly attractive to commercial building owners because of the savings on energy costs. Additionally, the reflective nature of TPO roofing reduces the building’s carbon footprint. 

What is the difference between PVC and TPO roofing?

When we look at tpo roofing vs pvc roofing, we see that both are thermoplastics materials and have some of the same characteristics. Yet, the have significant difference too with their composition and properties.

TPO roofing membrane is made up of ethylene or polyethylene thermoplastic that is then bound to ethylene propylene rubber. PVC roofing membrane is made from polymerizing vinyl chloride monomers, then plasticizers are added to increase its flexibility.

The original design of TPO roof was intended for it to be the superior over PVC roofing, but to date, there isn’t a definitive statement to that end. Both are an optimal commercial roofing solution. Both roofing membranes offer advantageous characteristics such as chemical resistance, grease resistant, oil resistant, and puncture resistant in different degrees. To decide which is the better, TPO roofing or PVC roofing, you’ll need the advice and input from an experienced roofing contractor. 

Is TPO roofing fire resistant?

The products used to create TPO roofing material are flammable, but TPO roofing itself, as single-ply roofing material, is a sub-specialty category. Meaning, it is combustionable and flammable.

How do you maintain a TPO roof?

An experienced roofing contractor will know to start cleaning TPO roofing with a low-pressure wash that will remove dirt and dust.  Next, using a long-handled, soft-bristled, brush, they will scrub a cleaning solution on and over the entire surface, then rinse thoroughly with clear water.

Installing TPO roof

Does TPO shrink?

This is one of the biggest benefits of TPO roofing over PVC roofing – it does not shrink. Durability is important for any commercial structure, especially when it comes to the roofing material. While PVC is puncture resistance with the right membrane thickness, TPO roofing excels for most clients because it isn’t as thick, making installation easier, yet it is still puncture resistant and shrink-proof. 

When making the investment for roofing on your commercial structure, investigate and research both TPO roofing and PVC roofing, as well as other materials. If you have a current roofing contractor, they will be able to provide pros and cons to all the different materials. Based on the climate and environment where your building is located will make an impact on which roofing material is the better choice. 

If you don’t have a current roofing contractor, get several quotes. The lowest isn’t always the best deal, you will likely get what you pay for. However, the higher priced contractor and material isn’t necessarily the best or the right roofing material for you and your commercial building. 

Be sure you get a warranty on the material and the workmanship, then follow through with a routine maintenance program with your own maintenance staff or the roofing contractor. The quote and the warranty should be in writing before the job starts. Call (573) 789-8367 today for your TPO roof installation in Osage Beach and Lake Ozark, MO.

Shingle Repair and What You Need To Know

shingle roofing system

How long does an asphalt shingle roof last?

Asphalt shingles area a common roofing material. Ask any roofing contractor and they will likely tell you it is the most common. It is also a roofing material that doesn’t have as long of a lifespan of other materials, but single shingle repair is possible in some cases. 

So why is it the most popular roofing material if there are longer lasting materials? Because of its price point, it is what more homeowners can afford, and because, in many cases, of the ability to do shingle repair is easy and money saving. 

When a correctly installed asphalt shingled roof that is vented properly can give you up to 85% lifespan. That means for a standard asphalt shingle roof, that is up to 22 years for a 30-year warranty shingle and for a 3-tab asphalt shingle, up to 28 year lifespan. 

How do you extend the life of a shingle roof?

The weather is not a friend of asphalt shingles, and one of the biggest reasons why asphalt shingle repair is needed. Unfortunately, we can’t control the weather, however, we can take care of our asphalt shingle roofing with these steps: 

  • No Power-Washing: Asphalt shingles can be damaged by a concentrated powerful spray by loosening the top coating of  granules. This voids any warranty the shingle manufacturer offers and shortens your asphalt shingle roof life. Use a broom or a leaf blower to remove dirt, leave, and most from your roof instead of a power washer. 
  • Adequate  Ventilation: Inadequate ventilation or ill placed attic soffits cause condensation to build up on the roof decking that is the asphalt shingles rely on for support. If the roof decking rot, the shingles lose their sound support. 
  • Gutter Cleaning: Regular gutter cleaning will prevent moisture buildup and prevent roof leaks. Keeping trees cut back from the roof will minimize the gutters getting clogged. 
  • Insulate Attic: Without insulation in the attic, ice dams develop and that leads to roof leaks, especially where roofing planes meet.  
  • Fortify Your Roof: For homes that are in extreme weather prone areas like hailstorms, high winds, hurricanes, tornadoes, etc., consider upgrading your next roof replacement to with a three-stage treatment. This will include a deck sealant, ring-shank nails, and ribbing to create a wind resistant. 

How do you maintain an asphalt shingle roof?

Look at your entire roof and look for any loose or missing shingles. Do you see any sunken area or discolored shingles? The sunken areas can indicate the roof decking is damaged, or worse, the rafters. Any discolored shingles could be fixed by a simple roof cleaning or shingle repair a few of them. 

On a regular basis, using a broom, sweep all the debris off, be careful not to damage or lift the shingles. Debris can hold water and deteriorate the shingles, making it prone for leaking. Look for deterioration or conditions that encourage  deterioration. Shingle repair can be done with roofing cement that will re-secure the loosened shingle to the roof. If you have one loose shingle, check them all, there could be more. 

Will roof leak with one shingle missing?

An asphalt shingle that is missing in midst of the roof will not have an immediate need for shingle repair. However, if you have a missing shingle over a seam on the roof, immediate attention should be given to shingle repair. A missing asphalt shingle over a seam is leaving your roof susceptible to leaking. 

Can you patch a shingle roof?

What if you have one asphalt shingle that has cracked? There is no need to call a roofing contractor an inspect and prepare to file a damaged roof claim on your homeowner’s insurance.  This type of shingle repair is easy and quick. Apply a thick bead of asphalt shingle roofing sealant under the cracked parts of the single and press down. Next add a bead of the asphalt shingle sealant on crack and spread with a putty knife.

Can you replace just a few shingles?

Absolutely!  The question is when and we share these few examples when replacing only a few shingles is acceptable instead of replacing the entire roof. Many homeowners keep a package of shingles on hand just for these replacements:

  • Cracked or Torn – Asphalt shingles that are cracked beyond using the above repair method, simply replace it with a new shingle. 
  • Loose or Missing Shingles  – If a shingle has come loose or is gone, simple replacing it with a new shingle will be sufficient. The sooner the better, because the longer you wait, the more prone your roof is to the decking being damaged. 

Will lifted shingles reseal?

Most likely, shingle repair isn’t going to work for lifted shingles.  You’ll need to replace the shingles with a new shingle. This is done by slipping a flat pry bar under the damaged asphalt shingle, pressing down so the nail pops out. Slide the new asphalt shingle in its place, aligning with the other shingles on both sides. Then lift the shingle above it carefully and install roofing nails to the shingle you’re installing. 

shingle roofing system

When Should roof shingles be replaced?

Age wise, you should look at replacing your asphalt shingled roofing between 15 to 30 years. Other things that will tell you it is time to replace your shingle roof: 

  • Cracked, curled or cupped shingles
  • Bald spots on asphalt shingles 
  • Appearance of roof is looking old and worn
  • Dark streaks on the roof that can’t be cleaned off
  • The rest of the neighborhood is getting a new roof

So, does walking on roof damage shingles? Walking on the roof is dangerous and should only be done by professional roofing contractors that are experienced. It can also damage the asphalt shingles or any roofing material. Call (573) 789-8367 today for your shingle roofing needs in Osage Beach and Lake Ozark, MO.

How to know when to replace vinyl siding?

vinyl siding yellow door

Does vinyl siding make house warmer?

Vinyl siding has been around for decades, since the 1960s in fact. Vinyl siding companies began appearing everywhere for many years, and today, there are companies and independent contractors offering vinyl siding or fiber cement installation, along with energy efficient windows. It would be safe to say that more homes today have either brick façade or vinyl siding. 

Vinyl siding with insulation will improve your home’s curb appeal, make your home warmer in the winter, and cooler in the summer. While making your home look good, it is an energy saving measure too, helping your budget and the environment. 

For an existing home that is having new installation of vinyl siding without sheathing, insulating it will be different than a new home with vinyl siding that has installation.  There are two options for insulating  these homes: 


Typical when doing a gut rehab of an old home where the walls are opened up on the interior and new plumbing, new wiring, and new insulation are installed. The use of air-permeable insulation / rigid foam is popular choice that creates the air gap needed for an air barrier. 


The use of spray-foam insulation for walls with no sheathing provides added benefits like sealing air leaks. 

Installing vinyl siding on existing walls doesn’t necessarily require sheathing unless  the old siding is being stripped off, then sheathing is required, and insulation can be added then as well. This will provide the energy efficiency desired while keeping your home cooler in summer and warmer in winter, along with providing some sound proofing too. 

Does vinyl siding help insulate a house?

Yes, but if your home is a colder climate where the temperatures drop to 40 degrees and colder, vinyl siding may not be the best option for your home.  Chilly weather can be frustrating for installing vinyl siding because it becomes difficult to work with. The colder the temperature gets; the easier vinyl siding will buckle and crack. 

Having vinyl siding installed during warmer temperature and include insulation, then yes, vinyl siding will help keep your home warmer in winter months. However, it still becomes hard and will crack easily if hit with balls (a likelihood when you have children). It is because of these type of issues that most professional contractors experienced with vinyl siding will recommend choosing a different siding material that can withstand colder temperatures. 

Do I need house wrap behind vinyl siding?

Depending on where your home is located, wrapping under vinyl siding may be required, but any contractor will tell you that there isn’t any logical reason not to wrap your home before installing vinyl siding.  Wrapping your home is beneficial as a water repellant, wind barrier, sealing any air gaps, and provides another layer between you and the environment. 

vinyl siding on house

Is thicker vinyl siding worth it?

Vinyl siding thickness is an important factor in how much heat is kept inside during the cold or out during the summer.  There are different grades in siding thicknesses, with the thicker grades being the most durable with a longer lifespan. The different grades of vinyl siding are:  

  • Builder’s grade –  Ideal for the tight budget with a thickness of .40 mm, providing a limited insulating benefit with a low level of protection. 
  • Thin residential – A thickness of approximately .42 mm, an inexpensive choice, making it popular like asphalt shingles, providing adequate insulation and protection. Not a high level of resistance for penetrative heat. 
  • Standard residential – Thickness of .44 mm, a common choice for homeowners that provide a balance of insulation, sturdiness, and cost-effectiveness.
  • Thick residential  – A thickness of .46 mm provides a bit more adequate insulation than the standard residential and still cost-effective.
  • Super thick – At .50 mm thickness, this is more expensive, but the level of protection is more than keeping warm in during cold weather, it is better level of protection from rain and strong wind too. 
  • Premium grade –  Thickness ranges between .52 and .55 mm, this is the most expensive vinyl siding on the market and provide a high level of insulation and protection on all accounts. 

For warmer climates,  a thin vinyl siding is recommended due to heat and moisture retained can overheat a home and leads to mildew and mold. 

A concern for many homeowner is what happens if water gets behind vinyl siding? This is why regular walk around inspections are recommended. You can find possible issues with your vinyl siding and make repairs as needed so that water leaking behind the siding won’t be an issue. 

So, when does vinyl siding need to be replaced? In general, vinyl siding has a lifespan up to twenty years if maintained and cared for. After that 20th year, it has lost its effectiveness so energy saving, and it is better to replace it now or you’ll continue letting money escape as you cool and heat your house. Four indicators that your vinyl siding has retired: 

  1. It has melted in spots. 
  2. It has algae, mildew, and mold growing. 
  3. Structurally damaged, buckling, bulging, etc.
  4. Insect infestation damage.

Thompson Roofing & Reconstruction is your source for quality vinyl siding replacement and installation in Osage Beach and Lake Ozark, MO. Call us today at (573) 789-8367!

How Long Does a Foam Roof Last?

foam roofing

How Long Does a Foam Roof Last?

Commercial foam roofing is universally discussed in the roofing industry for it’s advantages. Yet it’s also important to consider exactly how long such foam roofs last. If you have a great roofing company that is able to come in and administer repairs as appropriate, your foam roof could last as long as fifty years or more. Maintenance is key with foam roofing.

Are Foam Roofs Any Good?

Each kind of roofing material, regardless of how strong it is, has its fair share of advantages and disadvantages. According to leading roofing experts in the industry, foam roofs boast the advantage of being durable, dependable, affordable, and easy to maintain and repair. If you have a flat or low-slope roof, it is pertinent for you to be able to select a roofing material that will be relatively easy to maintain and repair. You will need to invest in maintenance every ten to fifteen years depending on the type and amount of coating that is installed. During such periods of maintenance, your capable roofer will clean, prime, and recoat your foam roof.

What is Flat Foam Roofing?

If you don’t already know what flat foam roofing is, it is pertinent for you to have more information at your fingertips. Foam roofing is spray polyurethane foam roofing which is sprayed in a liquid form and it expands as it is applied to a roof. This roofing is created at the location of it’s application. The chemical reaction is conducted by mixing a polyol or resin and an isocyanate. After the two separate chemicals are pumped through a high-pressure hose, they are mixed with a spray gun. Flat foam roofing can reinforce an existing roof or be used to create an entirely new roof.                                

What is a Built Up Flat Roof?

Have you ever been on a wide expanse of roof that is covered with gravel? If so, you will likely have been on a BUR roof. BUR stands for Built Up Roof, which is a time-tested roofing system that is usually composed of hot tar and gravel. As a matter of fact, there are many layers of hot tar and gravel when it comes to the overall composition of a BUR roof. While foam roofing is one of the newer roofing materials in the industry, built up roofs have been around the longest of all the flat roof options available.

What is Spray Polyurethane Foam Roofing?

If you haven’t heard of SPF roofing, now is the time for you to learn more. SPR stands for Spray Polyurethane Foam. This material is sprayed as a liquid and then it expands into a foam. When sprayed appropriately and thoroughly, it will create a solid layer across an existing roof. As a good roofing company can attest, spray foam roofing can be utilized in any climate, and when it is maintained and repaired over the years, it can last over a half a century.

Is Foam Roofing Worth It

Are you wondering if foam roofing is worth it? If so, please review the following list to discover more of the advantages.

  • Potentially lower energy bills. Foam roofing has great insulation properties and will potentially lower your heating and cooling bills.
  • Waterproofing. Foam roofs are essentially seamless. 
  • Installation that is flexible.
  • The structural integrity of your roof is maintained.
  • You can use foam roofing to direct rain to your drain.

Foam Roofing for Commercial Building

Do you have a commercial building? If so, it will be pertinent for you to understand that you do, indeed, have many different roofing options. As previously alluded to, installing spray foam roofing will be easy for a qualified roofing contractor, which means that it will also be quite affordable. In addition, when you have a foam roof installed, your daily business operations will not be interrupted. SPF roofing supplies thermal, air, and moisture barriers to provide the highest R-value per inch. This translates into better insulation for the building.

Foam Roofing for Mobile Homes

Mobile homes deserve to be represented appropriately in the roofing industry, and foam roofing should always be in the discussion. Accordingly, aluminum roofs are also a popular option for mobile home roofing. While it is true that metal roofing and installation has a higher cost to install, an aluminum roof can also last half a century, like foam roofing can.

foam roofing

Foam Roofing vs. Bitumen

If you already have a foam roof or a bitumen roof and you’re looking to make a switch or an upgrade, there are options available. If you live in an area of the country that is moist, then the roof may mildew if you have foam roofing. That is why it is pertinent to get a roofing material, such as bitumen, that will stand strong in the face of continuous moisture if that is a factor. 

If you would like to discuss foam roofing in Osage Beach and Lake Ozark, MO, our wonderful team would be happy to help. Please reach out to us at (573) 789-8367 today.