The Risk Of 3-Tab Shingles And Your Home Owner’s Insurance Getting Canceled

The unfortunate truth is that your home owners insurance can cancel your insurance because of your 3-tab roof. Due to how outdated it is, they may deem it as prone to leaks and damages. Unsure if you have 3-Tab Shingles? Let’s explore a little more about the shingles and how to avoid issues with your insurance. We frequently replace 3-tab shingles that were installed only 15-20 years ago because of how poor the shingles are. We work with worried homeowners and offer the best and most affordable solutions to avoid these problems.

Types Of Asphalt Shingles

There are three types of asphalt shingles. You’ll see 3-Tab shingles, architectural shingles, and luxury shingles. We install architectural shingles the most frequently because they’re the best all around. For today’s article, let’s focus on 3-tab shingles and why they’re deemed as a problem.

3-Tab Shingles

3-tab shingles are a type of asphalt roofing shingle that lay flat,  giving a uniform appearance and three distinct cutouts or “tabs” along the lower edge of each shingle. Known for being cost-effective, 3-tab shingles were a popular choice for homeowners looking for a budget-friendly roofing option. They typically last 15-20 years and are available in various colors. There a myriad of issues with these shingles, so let’s explore.

See The Dark Streaking From The Weak Resistance To Water

Why Are 3-Tab Shingles Bad?

3-tab shingles are brittle, outdated and only last 15-20 years max. The main problems are that 3-tab shingles hardly resist wind, and don’t run off water as good as other shingles.  In this picture, you can see that the water will simply flow into the cutouts. Every other course has a cutout for the water to run. Also, they are incredibly cheap and lightweight. Heavy winds can easily pick these shingles up, leading to leaks and damage. After 15 years, they lose their granules and are prone to water infiltration. Also, they have a very low curb-appeal, especially in comparison to the architectural shingles. In conclusion, they’re cheap, not wind-resistant, have the shortest lifespan of any other roofing materials, and leak easily.

Why Can My Home Owner’s Insurance Cancel My Policy Because Of 3-Tab Shingles?

The primary reason they can cancel your homeowner’s insurance is due to the age of the shingles. Any kind of shingles, especially 3-tab, between 15-20 years old are deemed as too old. They can threaten to drop you from your policy is because the shingles are THAT unreliable. They deem it as a risk to everything else in your home, and won’t offer coverage to an obvious threat. However, this is super unfair to homeowners. It’s unfair that the majority of people who didn’t know the negatives  of 3-tab shingles 20 years ago are being punished. That’s why we’re here to help. Here at Keenridge Construction, we offer side-by-side and affordable solutions, meaning we prioritize perfect communication and fair pricing. We simply want to help our neighbors of Long Island with their roofing needs. Every company and policy can be different, but risk of cancellation has become so common that we’ve had this conversation with homeowners a countless number of times.

Why You Should Install Architectural Shingles

Architectural shingles are more reliable, more aesthetic, much more reliable, and will last for 25-30 years with the proper installation. The cost difference is not even that vast, but that’s not the true value. The true value is the curb-appeal, modern technology, resistance, duration, and quality. 3-tab shingles will cause more damage to your home over time, meaning in the long run, it will be more costly to install these. Architectural shingles will be able to protect your home like you paid for, and will not put you and your home at risk. Insurance companies won’t cancel your policy with architectural shingles because they are modern, and continue to get even better.

Architectural Shingles On The Left, 3-Tab On The Right

Fix Or Avoid The Problem

If your homeowner’s insurance is at risk of being canceled, work with us. With 20+ years of experience in the roofing industry, we can easily solve any problems you may have together. We go out of our way to explain everything both in person and in writing. This way, there’s never anything lost in translation and you can be confident in knowing exactly what you’re paying for. Call us today for a free quote or schedule a consultation online!

Unsure Of What The Problems Look Like? Here Are Some Signs That Your Asphalt Shingles Need Replacement!

Even with proper care, asphalt shingles will eventually reach the end of their lifespan. Common signs that it’s time to replace your roof include:

• Curling, cracking, or popping shingles
• Missing shingles
• Granule loss
• Algae or moss growth
• Leaks or water stains in your attic or ceiling
• An overall worn or aged appearance (20-30 years)

More Than Just Your Local Roofing Company

In addition to our roofing solutions, we also offer siding, window, and gutter upgrades. If you’re looking for a new home build, dormers, or extensions, we also have master framing crews! Whatever you’re looking for, we offer free consultations and in-depth solutions. Every singles home and homeowner is unique, and we operate with this in mind.