Asphalt steel roofs will lose wind resistance in 10 years, Florida officials say

Asphalt steel roofs only provide full protection against hurricane winds until the age of 10, state officials told a panel of lawmakers on Tuesday.

After they reached ten years, degradation from the sun weakens oil-based shingles and reduces protection, at the Senate Banking and Insurance Committee hearings,

Insurance Commissioner Michael Yaworski expanded the topic of asphalt steel roofing he grew late last year when, as some manufacturers argue, the state wouldn’t last 30 years.

“Maybe it’s time to start writing them out of Florida parcels,” Yaworsky told the Florida Chamber of Commerce’s annual insurance summit in December.

On Tuesday, Yaworsky reported in June by Applied Research Associates Inc. (cited testing by the Insurance Institute for Business and Home Safety Insurance and Other Organizations) stated that “the roof with its real hurricane cats.” It revealed that there is an average life of Astrophe (astrophe) resistance is 10 years.”

He continued, “And that begins to fall into the ability to be resilient to catastrophic risk.”

The Applied Research Associates report found that “old asphalt shingles performs poorly compared to relatively newer asphalt shingles,” based on observations of damage from Hurricane Ian, Michael and Irma. Almost half of all shaved roofs “showed detectable damage, suggesting minimal advances in wind resistance since Hurricane Charlie in 2004.”

As the roofs of asphalt shingles age, the report says they are susceptible to “absorbing failure” of the underlying sealant, and the roofs are vulnerable to uplifting forces. Shingles over the age of 6 “shows a higher probability of breakdown compared to those with no aging effect on the roof.”

Mike Silver, director of technical services for the Florida Association of Roofs and Sheet Metal Contractors, defended the asphalt steel roof when contacted by the South Florida Sun Sentinel in December. He said high-quality asphalt shingles installed under Florida building codes today are likely to withstand Hurricane Force winds with minimal damage.

While asphalt steel roofs (the cheapest type of roof for an estimated 65% of Florida homes) have been around for decades, Yaworsky said: Generation and decades courses. ”

He wrote a revised version of the form spelling home hardening improvements that will earn you a Florida homeowner insurance discount, including specific discounts on metal roofs, which are considered to be the strongest and longest lasting roof options. He said.

That doesn’t mean that metal roofing is right for everyone, he said. Homeowners need to weigh the economy they invest in. Metal roofs usually take 2-3 times more times than iron roofs. They can save homeowners money by lasting 30-50 years, but they can also offset insurance savings by increasing the total insurance value of their home, he says. Ta.

Yaworsky said composite tile roofing materials are entering the market as another option with a promise. Extensive testing of products on-site must be completed to “actually see how they actually hold in real-world states,” he said. “If there’s one good thing about a tragedy that has hit the state with a (hurricane) event in the last decade, it’s really, really good data,” he said.

Michael Newman, an advisor to the Institute for Business and Home Safety Insurance, wrote about the different effects of certain wind speeds on a 10-year-old asphalt iron roof.

– The roof of a 10 year old can be damaged by 12th from a 60 mph wind.

– That chance will rise to 25% against winds of 90 mph.

– For 100 mph winds, the chance of damage increases to “nearly 100%”.

These probabilities generally apply to all classes of asphalt iron roofs and do not have any particular features or construction types, he said.

The newly constructed home requires a deck with a sealed roof, but “If it’s missing, up to nine bathtubs can be poured into the home from an inch of rain,” Newman said. Such floods will destroy the contents, cause mold repair, and lead to “severe insurance claims,” ​​he added.

Testing the elasticity of roof types is not intended to separate “from the good” from the bad, he said. Rather, “It’s about what the appropriate expectations of consumers and insurance companies are about how long a particular roof type will be.”

Kevin Guthrie, executive director of Florida’s emergency management department, says the hurricane is not the only catastrophe where metal roofs can avoid homeowners.

Guthrie said metal roofs also provide greater protection against wildfires. After the “Chipola complex” fired in the state’s Big Bend area in March 2022, investigators will provide firefighters with a 10-30 minute response, as a home with a metal roof is unlikely to grab the fire. I realized that.

Sen. Rosalind Osgood, a Democrat who represents Central West Broward County, asked when he plans to replace the roof.

Yaworsky said that it depends on the lifespan of a roof, as it can vary depending on the “individually tuned” variable. He said homeowners should consult with their insurance agent and hire a qualified inspector.

Senator Blaze Ingoglier, chairman of the committee, scribbled the unnamed “roof supply company” to market a slab of iron that lasts 30-40 years. “In Florida, you’re lucky to last 12, 13, or 15 years for the sun. It’s a petroleum product, so it melts and collapses. That means if you’re on the roof and you’re old shingles If you tear them apart, they basically come out like paper at that point. You can literally tear them apart.”