So, what does it mean for something to be structural? When you file a claim with your insurance company, they are going to ask you if what you’re filing is a structural issue.
If it is a structural issue, then the insurance company will determine whether or not they will cover that claim based on how much damage was done to the structure of your home.
Let’s dive into this further.
Is roofing considered structural?
Yes, roofing is considered structural. Roofing systems are designed to provide structural support to the building and protect it from the elements. The roofing system works in conjunction with the building’s structural frame to transfer loads from the roof to the foundation. Without a properly functioning roofing system, the structural integrity of the building would be compromised.
Roofing systems are an essential component of building construction and are designed to withstand specific loads, such as dead loads, live loads, and wind loads.
Dead loads refer to the weight of the roofing materials and any other permanent fixtures on the roof, such as HVAC units. Live loads refer to the weight of people and equipment on the roof. Wind loads refer to the forces exerted on the roof by winds of different speeds and directions.
The roofing system must be able to withstand these loads without failure to ensure the structural integrity of the building.
Also, roofing systems are designed to protect the building from water infiltration, which can cause damage to the building’s structure and contents if not properly addressed.
What is structural damage?
Structural damage refers to any damage that affects the integrity or stability of a building or structure. It can be caused by a variety of factors, such as natural disasters, accidents, or poor maintenance. Structural damage can compromise the safety of a building and make it uninhabitable.
Structural damage can manifest in many ways, such as cracks in walls or foundations, sagging or uneven floors, and doors or windows that stick or don’t close properly.
These are all signs that the structural integrity of the building has been compromised. Structural damage can also occur in the form of rot or decay in the building’s framing or support systems, such as the roof, floors, or walls.
In addition, structural damage can be caused by termite or pest infestation, which can weaken or destroy the building’s framing and support systems. In extreme cases, structural damage can cause a building to collapse, which can result in serious injury or death.
Address structural damage as soon as it is identified to prevent further deterioration and ensure the safety of the building and its occupants.
Building codes have been established to ensure the safety of building structures, and the codes are regularly updated to reflect the most recent knowledge and technology. The codes are used to determine the requirements for new building construction and the extent of repairs needed for existing buildings.
Insurance covers structural damages. Does that include roofs?
It depends on the type of insurance policy. Most standard homeowners insurance policies cover structural damage, including damage to roofs. However, the specifics of what is covered and to what extent can vary depending on the policy.
Review the terms and conditions of your insurance policy to understand what types of damage are covered and what types of damage are excluded.
Roof damage caused by natural disasters, such as hurricanes, tornadoes, or hail, is typically covered by standard homeowners insurance policies.
However, wear and tear or damage caused by a lack of maintenance are not typically covered. In addition, some insurance companies may have limits on the amount of coverage for roof damage or may require that certain types of roofs (such as flat roofs) have additional coverage. Insurance companies may also have specific requirements for the age and condition of the roof for coverage to apply.
As a homeowner, try to familiarize yourself with your insurance policy and what it covers. They should also have their roof checked regularly to make sure it is in good shape and to fix any problems before they get worse.
Types of roofing that can be considered structural
Standing seam copper roofing
This type of roofing is known for its durability and long lifespan. It is also resistant to fire, rot, and insects. On the downside, it is a relatively expensive option and requires specialized installation.
Asphalt roofing
Asphalt shingles are a popular and affordable option for residential roofs. They are easy to set up and can last up to 20 years if they are taken care of. However, they are not as durable as some other options and can be damaged by heavy winds or hail.
Metal roofing
Metal roofs are known for their durability and energy efficiency. They are also fire-resistant and can last between 40 and 70 years or more. However, they can be expensive to install and can be noisy during rain or hail storms.
Sloped roofs
Sloped roofs are the most common type of roof and are designed to shed water and snow. They are relatively easy to install and maintain. However, they can be more expensive than flat roofs and may not be the best option for areas with heavy snowfall.
Slate roofs
Slate roofs are known for their durability and aesthetic appeal. They can last from 75 to 200 years or more, depending on whether they’re hard or soft, and are resistant to fire, rot, and insects. However, they are heavy and can be expensive to install and repair.
Wood shakes
Wood shakes are an attractive option that can add a rustic feel to a home. They are also environmentally friendly and can last between 30 and 40 years if properly maintained. However, they are not as fire-resistant as other options and can be damaged by rot or insects.
Copper alloy roofing
Copper alloy roofing can last for a long time and is resistant to fire, rot, and bugs. It’s said to be able to last for 100 years. It’s also relatively easy to install and maintain, but it is expensive.
Architectural roofing systems
Architectural roofing systems are designed to provide both structural support and aesthetic appeal. They can be made from a variety of materials, such as metal, tile, or asphalt, and can be customized to suit the specific needs of the building. However, they can be expensive to install and maintain.
What are the components of structural roofing?
Rafter
Rafters are the sloping beams that form the framework of the roof. They help keep the building’s structure in place and move weight from the roof to the walls and foundation. They are an important part of the roof’s structure and are usually made of wood or wood-like materials.
Collar beam
Collar beams are horizontal beams that connect the rafters at the top of the roof. They help distribute loads evenly across the rafters and provide additional structural support. They are typically made from wood or engineered wood.
Ridge board
The ridge board is a horizontal beam that runs along the peak of the roof and supports the ends of the rafters. It helps keep the rafters in alignment and provides additional support to the roof structure.
Top plate
The top plate is a horizontal beam that runs along the tops of the walls and supports the ends of the rafters. It helps keep the rafters in alignment and provides additional support to the roof structure.
Ceiling joist
Ceiling joists are horizontal beams that run parallel to the rafters and support the ceiling. They help to distribute the weight of the roof and provide additional structural support.
Fascia board
The fascia board is a horizontal board that runs along the edge of the roof and covers the ends of the rafters. It helps protect the rafters from water damage and provides additional structural support.
Underpurlin
Underpurlins are horizontal beams that run parallel to the rafters and support the roof decking. They help to distribute the weight of the roof and provide additional structural support.
Strut
Struts are diagonal beams that give the rafters extra support and help spread the weight of the roof evenly.
Strutting beam
Strutting beams are horizontal beams that run alongside the rafters and give the roof structure more support. Most of the time, they are used with struts to help spread weight evenly across the roof structure.
What is the difference between structural and non-structural?
Structural elements are the parts of a building that are responsible for supporting the weight of the building and distributing loads to the foundation, such as walls, floors, beams, and columns.
They are the foundation of the building and are essential for the safety and stability of the building.
On the other hand, non-structural elements are the parts of the building that are not responsible for supporting the weight of the building or distributing loads to the foundation, such as interior walls, ceilings, flooring, finishes, and systems like mechanical, electrical, and plumbing.
They play a crucial role in the functionality and livability of the building, but not in its safety and stability.
What is non-structural in a building?
Non-structural elements in a building are those that do not support the weight of the structure or distribute it to the foundation. These parts include the interior walls, ceilings, floors, and finishes, as well as the mechanical, electrical, and plumbing systems.
- Interior walls: Interior walls are used to divide the interior space of a building and are not responsible for supporting the weight of the building. They can be made from a variety of materials such as drywall, wood, or glass and can help to create a more functional and visually appealing space.
- Ceilings: Ceilings are the surface that covers the top of the interior space of a building. They can be made from a variety of materials such as drywall, plaster, or wood, and can have a significant impact on the acoustics and lighting of a space.
- Flooring: Flooring is the surface that covers the floors of a building and can be made from a variety of materials such as tile, carpet, hardwood, or vinyl. Flooring choices can have an impact on the aesthetic and functionality of a space.
- Finishes: Finishes are the materials used to cover the surfaces of a building such as paint, wallpaper, or tiles. They can be used to improve the aesthetics of a space and to protect the surfaces of a building.
- Mechanical, electrical, and plumbing systems: These systems are responsible for providing services such as heating, cooling, lighting, and water to the building. They are not responsible for supporting the weight of the building, but they play a crucial role in the functionality and livability of a space.
A chart of structural vs non-structural elements in the house
| Structural elements | Non-structural elements |
|---|---|
| Foundation | Interior walls |
| Floor joist | Ceilings |
| Beams | Flooring |
| Columns | Finishes (paint, wallpaper, etc.) |
| Roof structure | Mechanical, electrical, and plumbing systems |
| Load-bearing walls | Cabinets and countertops |
| Stairways | Furniture |
| Elevator shaft | Decorations |
| Retaining walls | Window treatments |
| Exterior walls | Lighting fixtures |
| Roof trusses | Appliances |
| Girders | Landscaping |
| Lintels | Swimming pools |
| Footings | Decks and patios |
| Pile foundation | Garage |
Is there such a thing as a non-structural roof?
No, there is no such thing as a non-structural roof. All roofs are structural because they are meant to hold up the building and keep it safe from the weather. Some roofs, on the other hand, may have extra parts or functions that aren’t strictly structural.
- Green roofs: Green roofs are roofs that are covered with plants, soil, and other vegetation. They can provide insulation, reduce stormwater runoff, and improve air quality. However, they require regular maintenance and can be heavy.
- Solar panels: Solar panels are installed on roofs to generate electricity from sunlight. They can reduce energy costs and help to reduce carbon emissions. However, they can be heavy and require regular maintenance and cleaning.
- Skylights: Skylights are windows installed on the roof to provide natural light to the interior of a building. They can improve the lighting and aesthetics of a space, but if not properly installed, they can also create leaks and cause heat loss.
- Roof decks: Roof decks are flat surfaces on top of a roof that can be used for recreational or functional purposes. They can provide additional living space but they also require regular maintenance and can create issues such as leaks and heat loss if not properly insulated.
Other interesting articles:
- Is Roofing Cement Waterproof? (What is it Meant For and Why You Need It!)
- How Should You Choose a Roofing Company? (Top 10 Questions You Need to Ask)
- Is Roofing Covered by Home Insurance? (What to Look For and Tips to Prepare)
- Is Roofing Considered Carpentry or Contractor? (Similarities, Differences, and Which You Should Hire)