United Roofing's Blog

Fire Ratings and Your Roof

Fire Resistance Ratings In fact, the materials that you use for your roof must be fire resistant and have a rating to let you know how much safety and protection the roof will provide. Regardless of the type of roof you choose to have installed, it is important to understand fire resistance ratings and choose your roof according to the desired rating you prefer. Fire Ratings for Roofing Material The independent, for-profit company Underwriters Laboratories Inc (UL) has developed a series of laboratory tests to measure how well roofing materials (such as shingles) resist fires. These tests are widely accepted by the roofing industry, and the results are widely quoted in industry promotional materials. UL 790, the most widely quoted standard, tests roofing materials’ resistance to fires from external sources — fires that originate outside of the house (such as from a lightning strike). It should be noted that the fire rating is not earned solely by the physical properties of the roofing material, but also by installing the material in the manner recommended by the manufacturer. The UL assigns roof coverings a rating that ranges from Class A (the highest level of protection) to Class C (the lowest level of protection). There are three fire resistance ratings — Class A, Class B, and Class C. Class A offers the highest protection from fire while Class C offers the least amount of protection. A roofing material that receives a Class A, B or C rating should maintain its position on the roof following a fire, and is not expected to generate flying, burning, shards of shingle. Class A roof...

Hail Ratings and Your Roof

Hail Proof Roof? No roofing material is fully hail proof.  If anyone was involved in the hailstorms that went through Minnesota this summer, you know what we’re talking about.  There are hail-RESISTANT roofs.  These products have Class 1 through Class 4 hail-resistance ratings, 4 being the highest.  The ratings are given by taking a steel ball and dropping it from a pre-determined height and measuring the damage the roof has sustained.  The American Society of Testing and Materials (ASTM) perform the tests. Many roofs carry this rating.  For steep slope, these roofs include some metal roofs, some tile and some composition shingles.  For flat roofs, these are some gravel-surfaced built-up, and some spray foam (with the right coating system), and just a few others. Installing a Class IV hail resistant roof may qualify you for lower insurance premiums, depending on where you live.  Call your agent for verification.  Keep this in mind, too, not many agents and adjusters will know the specifics about hail resistant roofs. Consult a reliable Minnesota roofing contractor. Impact Resistant Roofs Reduces Hailstorm Damage The potential benefits of installing impact-resistant roofing products include: Reducing roof damage caused by a hail event Decreasing the risk of water damage to your home and its contents, property, etc. Avoiding disruptions caused by roof system replacements Increasing the useful life of your roof, especially if you are in a high-risk area; the longer the useful life of your roof system, the less it costs you per year to own Increasing your home’s value Realizing several additional financial benefits, including potential insurance premium discounts; potential Department of Insurance cash rebates;...

Minneapolis Minnesota Residential Roofing Company

Minnesota Roofing Minneapolis MN Between 1991 and 1995, wind and hail resulted in an average of $8 billion in insurance payouts each year, and wind and hail damage to roofs comprises a significant portion of this cost. Hail damage to asphalt shingles may include severe granule loss, material loss at shingle edges, and penetration. Wind can also create serious roof damage-it is documented that roof material failure was the most widespread type of damage from Hurricane Hugo (Manning, Billy R. and Gary G. Nichols. 1991. “Hugo Lessons Learned.” In Hurricane Hugo One Year Later, Benjamin A. Sill and Peter R. Sparks, Editors. New York: American Society of Civil Engineers). High Wind- and Impact-Resistant Asphalt Roofing Shingles New shingle products are designed to resist damage from impact and high winds. They meet the most stringent standards for impact resistance (Class 4) set by Underwriters Laboratories (UL), and wind resistance set by UL and the American Society for Testing and Materials (ASTM International). Several manufacturers offer asphalt shingles designed to resist the effects of severe weather such as wind and impact from flying debris or hail. Different proprietary methods are used to keep granules attached to the shingle, to prevent shingle breaking during impact, and to keep shingles attached to the sheathing during high winds. UL 2218 classifies the resistance of roofing products to impact damage. In the test, steel balls are directed at roof samples, and damage is observed. Products that receive a Class 4 rating from UL 2218 are the most resistive to hail damage. Some major insurance companies are offering homeowner premium discounts for the use of roofing...

Minnesota Roofing Contractor | The Impact Resistant Roof

Emerging Research and Impact-Resistant Roofing Minnesotans are no stranger to severe weather. Whether it’s snow, hail, rain, or wind, our roofs take a beating. After a brutal winter, we are now entering the rain and storm season, which means hail and tornadoes. Hail is a peril that threatens all but a handful of states in the United States, but it doesn’t strike all areas equally. Since 1980, the country has averaged 3,000 hailstorms a year.  Officials estimate that up to 40 percent of all homeowners insurance claims result from hail damage. While the Midwest and Great Plains states have the most hailstorms, Colorado has the most storms with large-size hail (diameter greater than 1.5 inches). So even though Colorado has fewer storms, the storms that occur cause more damage. Impact Resistant Roofing Lost in these large numbers is the number of repeat claims — resulting in payments to the same customers for the same type of repairs from the same type of hailstorms. There are some areas of the nation’s hail belt where homes have been reshingled two and three times during a 10-year period. While a hailstorm usually strikes a relatively limited geographical area, there are parts of Texas, Oklahoma, Kansas and Nebraska where hailstorms average six strikes a year or more. Clearly, the same houses are exposed to these storms. They are likely to receive damage. As a result, home insurance coverage in these regions has become expensive. As premiums rise, both insurers and their policyholders become concerned. To help combat rising premiums, insurance companies look for ways to prevent future damage. They also look for ways...
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