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INSURANCE MATTERS

 

Glue Your Roof On to Avoid High Wind Damage - If It Goes, the Rest Doesn't Matter

Methods you can use to manage your risk. 

Although we are close to the coast, we tend to feel secure in Victoria against the risk of a hurricane causing direct damage to our home. The many years since we've last experienced a storm has certainly resulted in this complacency. Those who are concerned tend to choose sturdier homes, such as brick or reinforced construction. They also provide themselves with wood covering to protect their windows, but what about the roof? If that goes, the rest doesn't matter.

Even if a home is insured against hurricane damage, the outcome would be much brighter if major damage could be avoided in the first place. Losing the roof to high winds exposes the home to severe damage, even possible destruction if the roof sheathing is stripped away.

A single missing nail or a nail that has missed its mark when hammered into the rafters or trusses can reduce the ability of a panel of sheathing to resist wind by 20 to 25 percent. Once a piece rips off, the amount of damage to your home and personal property increases dramatically.

Even if every nail is in place, your roof may not survive the uplift pressure of a category III or better storm, which can generate uplift pressure in excess of 70 pounds per square foot. Applying a common construction-grade adhesive to the joint where the roof sheathing sits on the rafters or trusses in your attic will increase your roof's ability to stand up to the wind by a factor of three, according to a report from the Institute for Business & Home Safety.

If the roof is being replaced, it could be re-nailed with a prevailing high wind nailing pattern, or even better, screwed down to add to the strength. But if you are not planning to re-roof soon, the alternative - gluing it - is an excellent method of improving the ability of your home to withstand and survive a major storm hitting our coast.

All you need is access in your attic to the underside of your roof. Having a contractor do the job could cost $1,000 to $2,000, but if you applied glue yourself, the adhesive material and caulking hardware should cost no more than $100. If you have difficulty reaching areas of the roof, such as near the eaves, it might be worth it to hire a contractor. It is important to apply the caulking all the way to the edges of the sheathing to obtain the full adhering strength benefit.

The adhesive should be a product labeled "APA AFG-01." This performance specification assures that the adhesive meets a stringent requirement of strength in adverse conditions such as heat, humidity, freezing temperature and moisture. This type product is commonly used to glue sub-flooring in place.

Other materials needed: caulking gun (you might consider renting an air powered caulking gun for a large roof area); paint thinner for cleanup; wood to lay across the beams as a work platform; lights; gloves and rags.

Now is a good time of year to do the work, as the temperatures should be between 60 and 75 degrees. Make sure the work area is ventilated. Dispensing a 1/4-inch bead of glue, start at the peak and work your way down to the bottom of the roof. Apply the adhesive to both sides of each rafter. Clean up and you're done.

As an added strengthener, you should use quarter-round wood pieces with adhesive on pieces where you can only get glue on one side of the roof support.


Russell Janecka is a Certified Insurance Counselor. He is the owner of Janecka Insurance Agency in Victoria, and serves on the board of directors with Germania Insurance Companies. (361) 573-4475 e-mail: info@jiavic.com