There are many reasons why insurance does not cover roof wear and tear. The most common reason is that insurance companies don’t cover damage that is caused by weather or natural disasters.

Some people think that the homeowner should have to pay for any damage because they are responsible for maintaining their property. But, there are other factors that can cause a roof to wear down over time. One of those factors is external forces like wind and rain, and another factor is the age of the roof.

Other people think that it’s unfair to hold homeowners accountable for paying for repairs on their own properties because they’re not getting compensated by insurance companies.

There are many reasons why insurance doesn’t cover roof wear and tear.

We will discuss the most common reasons for this.

Insurance companies often don’t cover roof wear and tear because they believe it’s a pre-existing condition.

This means that if you have a roof with damage when you buy insurance, the company will not cover that damage.

They may also not cover it if the damage is due to natural disasters, such as hurricanes or earthquakes.

However, some companies do provide coverage for this type of damage under their policy.

Homeowners insurance is a type of insurance that protects your home and personal belongings against risks such as fire, theft, and natural disasters. It also covers the cost of any damage caused by these events.

Does homeowners insurance cover roof repair?

The answer to this question is yes, but it depends on the policy that you have purchased. Some policies cover the cost of repairing or replacing a damaged roof because it’s considered to be part of the house. Other policies only cover damage to the roof if it’s caused by a covered event like windstorms or hail.

Homeowners insurance policies cover a wide range of damages to your home and property. One of these is roof repair, but you may be wondering if this is covered under your policy.

If you are insured with an HO-4 policy, then the answer is yes. This type of policy will cover all damages to the roof and its structural support system as long as it was caused by a covered peril. This includes fire, windstorm or hail damage, or any other event that has been declared a covered peril by your insurance company.

Some other common types of homeowners policies include: HO-1 – which covers only the structure itself; HO-2 – which covers both the structure and personal possessions; and HO-3 – which also covers living expenses for temporary housing if there is damage to your home.

Understanding the Purpose of Homeowners Insurance and What it Covers For Roofing

Homeowners insurance is a type of insurance that covers the home and its contents against risks of fire, theft, and other losses. It also includes protection against natural disasters like earthquakes and floods.

The coverage for homeowners insurance can vary depending on the type of policy you purchase. For example, some policies will cover the roofing against damage from weather-related events while others might not cover it at all.

Some homeowners might not know that they can add additional coverage to their policy such as a rider that will cover their roof in case of damage from weather-related events like hail storms or hurricanes.

Homeowners insurance is one of the most important types of insurance that you can have. It covers your home and anything in it against unforeseen events such as fires, storms, and theft.

One of the most important factors to consider when purchasing homeowners insurance is what it covers for roofing.

Hire Trojan Roofing For Roof Repairs & More

Roof repairs are a common occurrence in the life of any homeowner. A storm, a tree branch, or just age can all lead to roof damage and require the services of a professional roofer.

If you’re ready to hire a roofing company for your next repair, we’ve got you covered.

Hire Trojan Roofing for all your roofing needs. We provide professional roof repairs and installation services.

At Trojan Roofing, we have the expertise to handle all your roofing needs. From leak repairs to new roofs, we’ve got you covered!

We are a family-first company that has been serving the community for over 5 years. We are fully licensed and insured, so you can trust us with your home or business.

What Winter Issues Can Hurt Your Roof?

Roofs are exposed to harsh weather conditions such as rain, snow, ice and wind. These winter issues can lead to potential roof damage.

Here are some of the most common winter issues that can hurt your roof:

-Snow accumulation

-Ice accumulation

-Ice dams


-Freezing rain

The winter months can be brutal to your roof. The cold, harsh temperatures and snowfall can cause major damage to your roof. The best way to protect your roof is by applying a sealant or coating before the first snowfall.

The winter season can have a significant impact on your roof. It is important to be aware of the possible winter issues that could harm your roof and take the necessary precautions to prevent them.

There are many different types of issues that could be caused by the winter weather, but these are some of the most common in a bit more depth:

-Ice Dams: When melting snow refreezes on a roof, an ice dam is formed. This can cause leaks and other damage to your home.

-Frost Heaving: Frost heaving occurs when frozen ground contracts and expands with temperature changes, which can cause cracks in foundations and walls.

-Roof Snow Loads: A heavy snow load on a roof can cause it to collapse under its own weight.

Winter weather is tough on roofs because it carries with it all sorts of potential problems that could harm your shingles or underlayment. Just think about how much snow and ice that is sliding off of roofs right now!

The most common issues with roofs in winter are:

-Shingle Damage: Snow, ice, and frost will cause permanent damage to shingles if they stay on them for too long. The weight of these things will break down the material over time which will result in leaks and other problems.

The winter season can be a dangerous time for your roof. The snow, ice and sleet that accumulate on the roof can cause damage to the roofing material.

The weight of the snow and ice can cause leaks in your home or water damage to your ceilings. You may also experience structural damage to your roof if you live in an area that is prone to heavy snowfall.

The winter can cause a lot of issues for your roof. But, they are avoidable.

When snow and ice accumulate on the roof, it can lead to water seepage. This is because the snow or ice will melt and then refreeze. It will then create a dam that blocks the water from flowing off the roof, which leads to water seeping in through the walls or ceiling.

One way to avoid this is by installing a gutter guard on your roof. This will help prevent snow or ice from accumulating on your roof and also keep them from melting and refreezing, which would lead to this issue.

Another way you can avoid this issue is by using an anti-icing agent in winter months before any accumulation occurs. These agents are applied before any accumulation happens so they don’t have to be reapplied as often as if you were applying them after there has already been an accumulation of snow or ice on your roof.

Winter issues can be very damaging to a roof. Here is a quick recap of some of the most common winter issues that can damage a roof:

– Snow and ice accumulation

– Freezing rain

– Windy weather

– Extremely cold temperatures

Choose Trojan Roofing For All Your Roofing Needs

We are a team of roofers who take pride in every job we do. We want to make sure that our customers get the best service and we will go out of our way to make sure that happens. Our team is made up of experienced professionals who have been in the business for many years, so you can be assured that when it comes to your roof, we know what we’re doing.

We offer all kinds of services such as repairs, replacements and installations and more. We also offer emergency services which means that no matter when you need us, we will be there for you! So if you’re looking for a reliable and trustworthy company, look no further than Trojan Roofing Company!

We are one of the leading roofing companies in the area.

Our team is always ready to provide you with high quality services that will meet your needs and exceed your expectations.

If you have any questions, please contact us today.

Christmas Decorating Without Damaging Your Roof

Christmas is a time of year when many people choose to decorate their homes. Whether it be with lights, ornaments, or other decorations, the goal is to make the home feel festive. But there’s one thing that most people don’t think about when they’re decorating – how it will affect their roof.

The first issue is that many decorations are heavy and can cause damage to the roofing material or even the tiles on your roof. For example, if you hang too many light strands from your gutters, they can cause them to sag and eventually break. This might not be a big deal for some people because they can replace the gutters relatively easily but others may not want to do this because of how expensive it can be.

The second issue is that some decorations are sharp and could puncture through your roofing material or tiles. If you have ever decorated with fake snow on top of your house, you might have noticed that as soon as

Now, the juicy stuff…

We all love the Christmas season, but when it comes to decorating the house, we often have to think twice about how many decorations we want to put up. We don’t want our roof to be damaged by too many heavy decorations.

In this article, we will go through a few tips on how you can decorate your house without damaging your roof.

We will start with some general advice:

-Keep the decorations light in weight.

-Use tree skirts and other ground covers to help protect your roof from any damage.

-Cover your gutters and downspouts with plastic or fabric to prevent any items from getting stuck in them or falling down them.

-If you are using lights, be sure to use LED lights which are safer for the environment and won’t cause as much heat buildup on your roof.

Christmas is a time of joy, celebration and festivities. In order to make the most out of this occasion, people often decorate their homes with lights and festive decorations. However, some people are scared that the decorations will damage their roof or cause other issues.

One of the most common problems when decking out your house for Christmas is that you may put too much weight on your roof. The best way to avoid this problem is to use a safe and sturdy ladder, but if you don’t have one or can’t find one, here are some other ideas for keeping your roof intact:

– Use bakers racks or stands as shelving units.

– Hang lights from trees and ledges.

– Use wire mesh to hang lights instead of stringing them across the ceiling.

– Hire a professional decorator to do all the work for you!

When you are decorating your house for Christmas, it is important to keep safety in mind. There are many ways that you can decorate your house without damaging your roof.

Christmas decorations can be used to make a roof look like snow-covered fields. You can also use Christmas lights to outline the roof and make it look more festive. Another option is to hang wreaths from the top of the roof and use garland as a runner on the downspouts.

There are many more logical ways to avoid damaging your roof while decorating for Christmas. One way is to use lights that are not too heavy and will not put too much weight on your roof. Another way is to use only lightweight ornaments that won’t put pressure on your roof when they’re placed on it.

Choose Trojan Roofing For All Your Roofing Needs

Choosing the right roofing company can be a difficult decision. One of the most important things to consider is whether or not they are licensed, bonded, and insured. Roofing is a big investment, and you want to make sure that your contractor has the proper coverage in case anything goes wrong.

At Trojan Roofing, we are committed to providing the best service possible. Our team is always willing and ready to answer any questions you may have about your roofing needs. We have been in business for years and our track record speaks for itself!

We are a team of roofing experts and we have the experience and expertise to get the job done right.

We are a client-first business that specializes in roofing projects. We can handle any type of roofing project, from small to large, from residential to commercial.

We are a team of roofing experts who are passionate about what we do. We have the skills and experience to help you with your roofing needs.

We offer a wide range of services, including roof installation, roof repair, and roof maintenance. We also install siding, gutters, and gutter guards for extra protection.

We offer free estimates for our services, so you can get an idea of how much it would cost to hire us in advance.

We are proud to be one of the leading providers in the industry, with operations nationwide and an experienced team. We offer all types of roofs, from metal roofs to shingle roofs and everything in between. Call us today for help with your roof.

Common Causes of Roofing Emergencies in Indianapolis


Roofing emergencies can happen at any time and without warning. You may be driving to work when a sudden hailstorm causes your roof to leak. Or you may be preparing for a dinner party when the wind blows debris onto your roof and breaks it open. These are just two of the many reasons why Indianapolis homeowners need to know how to spot potential problems with their roofs, as well as what they should do if they ever find themselves in an emergency situation.

There are many different factors that can contribute to a roof emergency in Indianapolis, which is why it is important for homeowners not only know what these factors are but also how they can address them before they become too big of an issue. This article will cover some common causes of roofing emergencies in Indianapolis, as well as what you should do if you ever find yourself in one of these situations.

Indianapolis has a humid climate and the weather is unpredictable. This leads to a lot of roofing emergencies in Indianapolis, mainly because the materials used to build roofs are not durable enough for this climate.

The most common causes of roofing emergencies in Indianapolis are:

-Roof leaks

-Damage from hail storms

-Storm damage

-Shingle failures

Roofing emergencies are not uncommon in Indianapolis. There are many different causes of roofing emergencies, and it is important for homeowners to know what they are and how to avoid them.

Roofing emergencies are not uncommon, and they can come at any time. If you have an emergency with your roof, you need to know how to handle it as soon as possible.

The most common cause of a roofing emergency is a leak in the roof. This can happen for a variety of reasons, but it is most often caused by water getting into the building through the roof.

Roofing emergencies can happen in Indianapolis at any time of the year, but they are more common during the summer months.

The most common reasons for roofing emergencies are water damage, storm damage and hail damage.

Water Damage:

A leaking roof will cause water to seep into the home and cause mold and mildew to grow. The humidity created by this will also lead to wood rot. If left untreated, this will lead to severe structural problems with your home.

Storm Damage:

Strong winds can rip shingles off a roof or blow debris onto your roof that could cause it to collapse.

Hail Damage:

Hailstorms can be very powerful and can tear shingles off a roof or break through windows on a house.

More about water damage, ice dams, and hail damage.

Water damage is the most common cause of roofing emergencies in Indianapolis. It can lead to mold growth and rot which can cause structural damage to your home. If it has been a while since you have had your roof inspected, it is likely that water has found its way into your home through leaks or holes in the roof.

Ice dams are another common cause of emergency roofs in Indianapolis. Ice dams occur when snow melts on the roof and refreezes at night which leads to a damming effect on the edge of your roof. This can lead to water seeping into your home as well as structural issues with the integrity of your home’s structure.

Hail damage is also another common cause of emergency roofs in Indianapolis because hail stones can break through shingles or other parts of the roof causing leaks or other structural problems with your home’s integrity.

Roofing emergencies can be caused by any number of things.

Some common causes are:

-Weather related damage to the roof such as hail, wind, or ice.

-Structural damage to the roof such as a fallen tree or storm damage.

-Poor installation of the roofing material.


Roofing emergencies are among the most common issues that homeowners face. They can be caused by a variety of factors, such as weather, neglect, or natural disasters.

The most common causes of roofing emergencies in Indianapolis are:

– Hail damage

– Wind damage

– Leaks

– Roof collapse

– Hailstorm

– Frozen pipes

Call Trojan Roofing For Emergencies

People need to call for help when they have a roofing emergency. It is important to know what you are looking for and how it is done.

We are a company that specializes in roofing, so we know how to handle emergency situations. Our team is available when you need and will come to your location as soon as possible.

We have the experience, knowledge and expertise necessary to provide you with the best service possible.

How to Recognize Roof Problems and Signs of Potential Future Problems

Has your roof been giving you trouble? You’re not alone. A lot of people have problems with their roofs, and it’s not always easy to tell when there’s something wrong. That’s why we put together this list of the most common signs that your roof might need some repairs.

We know it can be tough to find the time or money for a new roof, but it’s important to get the problem fixed before it gets worse. Not only will that save you money in the long run, but it’ll also keep you and your family safe from the elements.

Give us a call today and we’ll send someone out to take a look at your roof!

Signs of Roof Problems

If you’re a homeowner, it’s important to be able to spot signs of roof problems early on. That way, you can address them before they become bigger issues. Here are some of the most common signs of roof problems: 

  • Leak in the roofing material or around fixtures like vents or chimneys.
  • The roof shingles are buckling, curling (wavy roof shingles), or missing entirely
  • Visible granules in gutters or downspouts
  • There is a lot of moss or algae growing on the roof.
  • Mold streaks
  • The roof is visibly sagging.
  • Water stains on ceilings or walls inside your home.

If you notice any of these signs of roof damage, it’s important to call a roofing contractor to have a look. They’ll be able to tell you what’s wrong and what needs to be done to fix it. Ignoring the problem could lead to much bigger and more expensive roof repairs down the road.

So, if you’re seeing any of these signs of roof damage, don’t wait – call us and we will schedule a roof inspection right away! Our professional roof repair technician will visit your home for an inspection. Timely roof repairs could save you a lot of money in the long run.

When to Repair Vs. When to Replace Your Roof

If you’re a homeowner, at some point you’ll have to make a decision about whether to repair or replace your roof. Both options have their pros and cons, so how do you know which is the right choice for your home? 


If your roof is in good condition and doesn’t have any major damage, then a roof repair may be the best option. Repairs can be done on any sign of roof damage like:

  • leaks
  • logged gutter
  • water damage damp spots (water seepage)
  • replace worn-out shingles, and fix other minor problems with your roof. Repairing your roof is a lot less expensive than replacing it, and it can help extend its life. 

If your roof has a lot of structural damage or is starting to leak, then replacing it may be the best option. Roof replacement will fix any major problems with your roof and prevent them from getting worse. It’s important to note that replacing your roof can be expensive, but it’s a lot cheaper than repairing it multiple times.

After years of being exposed to bad weather (severe storms, hail storms, ice formation in wintertime) even the best roof material will eventually wear out. If you want to prevent costly damage to your home, it’s important to know when to invest in roof repair or replacement. There are lots of different things that can go wrong with an old or damaged roof, like rot, mold, and mildew. If you don’t take care of things when they need to be replaced, it could lead to some serious problems.

So, when should you repair vs. when should you replace your roof? If your roof is in good condition and doesn’t have any major damage, then repairing it may be the best option. If your roof has a lot of damage or is starting to leak, then replacing it may be the best option.

In the end, it’s important to weigh all of the factors involved in making a roofing decision. Both repairing and replacing have their pros and cons, so it ultimately comes down to what will work best for your home and your budget.