Roofing Tips: Granules and Roof Inspections
What are granules anyway? Do they serve a purpose, or are they just for looks? Can hail cause damage to them? Jared answers a homeowner’s question about granules, roof inspections and more!
Jared: All right, let's go to a text question here. It says, "What is the purpose of the gritty surface on shingles? Is it only for fall protection? Can a home inspection fail for shingles with grit washed away?" Very good questions. Read Part I - Granules and Hail Damage
Now, the second part of the text question is, "Can a home inspection fail for shingles with grit washed away?" Yes. I'm assuming what you're talking about is the inspection for buying or selling of a property. Let's say you're buying a house and you're trying to get home owner's insurance on it. What you're going to typically find is that insurance companies, when you're trying to get new insurance on an existing home, is typically, the homeowner's insurance wants to make sure that you have a minimum of three to five years of functional life left in the roof. If you don't have that, it's very difficult to get homeowner's insurance. Same thing with mortgage companies. They want to make sure that they are investing in a home where things are not going bad. If there are electrical problems, they want you to fix those before the insurance company will insure it or before the mortgage company will put a mortgage on it. They're just looking for potential problem areas.
It is possible, if the roof is towards the end of its life or is too old, that you would have to do something with it before you could get homeowner's insurance or a mortgage on it. Granules do fall off over time. What is the difference between a little bit of granule loss and a lot of granule loss - we can look at your roof and let you know about how much expected life span it has left. Thank you very much for your text question.
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