FAQs
Roofing Questions, Answered
Here you’ll find a compilation of the most frequently asked questions.
The most common questions Spangler Roof Systems is asked cover cost, timeline and insurance. In short: most Lexington roof replacements run $8,500–$22,000; a complete installation takes one to two days; inspections and written quotes are free; and hail or wind damage is usually covered by homeowners insurance, with Spangler handling the documentation and adjuster communication. Call 859-376-ROOF (7663) for anything not covered below.
Full list
Every question we get asked
If there’s something you want to know which isn’t here, please send an email to spangler@roofroofky.com.
How Long does a Roof Installation take?
A complete roof installation including removing the old roof, repairing any damaged areas, and installing the new roofing system typically takes one to two days from start to finish.
Why is your price higher than Competitors?
We are a licensed, insured, and GAF-Certified roofing company. Any lower quote would reflect a compromise of quality either with installation or materials – either way, it’s not worth taking a big risk on a long-term investment that protects your home.
Do you offer Financing?
Yes we do. We understand financing is a great option to help cover the costs of a quality roof installation without breaking the bank.
Do you offer 24/7 emergency roofing service?
Yes. Spangler Roof Systems runs a live answering service 24 hours a day, 7 days a week, 365 days a year — a real person, never a machine. For an active leak, storm damage, or a tree through the roof, our emergency crew responds fast, day or night.
How much does a new roof cost in Lexington, KY?
Most roof replacements in the Lexington area fall between $8,500 and $22,000. An average 1,800–2,600 sq ft home with architectural shingles usually lands in the $11,000 to $17,000 range. Price is driven by square footage, roof pitch, the number of layers being torn off, how much decking needs replacing, and the shingle line you choose. Spangler Roof Systems provides a free written quote before any work begins.
How long does a roof last in Kentucky?
In Central Kentucky, a three-tab shingle roof typically lasts 15 to 20 years, an architectural shingle roof 22 to 30 years, and a standing seam metal roof 40 to 70 years. Kentucky’s freeze-thaw cycles, summer heat, and spring hail all shorten those windows, which is why annual or bi-annual inspections matter here more than they do in milder climates.
Do you offer free roof inspections?
Yes. Spangler Roof Systems provides no-obligation, free quotes plus free roof inspections throughout Lexington and Central Kentucky. An inspection takes roughly 30 to 60 minutes and ends with photographs of anything we find.
Will my insurance pay for a new roof?
If the damage came from a covered event — hail, wind, or a fallen limb — most Kentucky homeowner policies will cover repair or replacement, and you pay your deductible. Normal wear and age are not covered. Spangler Roof Systems documents the damage, explains your rights as a claimant, helps you file, and communicates directly with your insurance company and adjuster about the proposed scope of work.
How quickly can you come out for an emergency roof leak?
Spangler Roof Systems has an emergency response crew that is attentive 24/7 and typically arrives within the hour for active leaks and storm damage in the Lexington area. The crew secures the damaged section immediately, then schedules the permanent repair.
What areas do you serve?
Spangler Roof Systems serves all of Kentucky, with the heaviest concentration of work in Lexington and the surrounding counties — Fayette, Jessamine, Scott, Woodford, Clark, Madison, Franklin, Bourbon, Anderson, Boyle, and Montgomery. That includes Nicholasville, Georgetown, Versailles, Winchester, Richmond, Frankfort, Paris, Lawrenceburg, Danville, Mt. Sterling, and Berea.
Are you licensed and insured?
Yes. Spangler Roof Systems is a licensed, insured, and GAF-Certified roofing contractor. As your local roofing professionals, we are licensed and certified, and our roofing services come with a lifetime warranty.
What are the signs I need a new roof?
Common signs that it may be time to upgrade to a new roof are water spots, damp or rotted areas, missing shingles, blackish algae, and defective shingles. Granules collecting in the gutters, shingles that curl or cup at the edges, and daylight visible through the roof deck in the attic are also reliable indicators.
Do you replace gutters at the same time as the roof?
Yes, and it is usually the cheaper way to do it. The crew is already on site with staging and disposal in place, so combining seamless gutter replacement with a roof replacement avoids a second mobilization. It also lets us set the gutter slope correctly against the new drip edge rather than working around old flashing.
How soon can you start?
For emergency repairs, the response crew is available 24/7 and typically arrives within the hour. For a scheduled replacement, most Central Kentucky jobs start within one to three weeks depending on season and material lead time. Spring, after storm season, is the busiest window.
How much does it cost to replace a roof in Lexington, KY?
Most roof replacements in Lexington cost between $8,500 and $22,000, with an average 1,800–2,600 sq ft home landing between $11,000 and $17,000 for architectural shingles. Final price depends on roof area, pitch, number of layers being removed, decking condition and shingle line.
Do I have to tear off the old roof, or can you go over it?
Spangler tears off. Kentucky code allows a second layer in some cases, but a layover hides rotted decking, shortens the life of the new shingles by trapping heat, voids most manufacturer warranties, and doubles the disposal cost on the next replacement. It saves money once and costs money twice.
What happens if you find rotted decking under my old roof?
We show you the damage before we cover it, and price the replacement boards at cost per sheet — it is called out separately on the quote as an allowance so there is no surprise. Most Central Kentucky tear-offs need somewhere between zero and six sheets.
Will a new roof lower my insurance premium?
Frequently, yes. Many Kentucky carriers apply a discount for a roof under ten years old, and some apply a larger one for impact-resistant shingles. Send your carrier the completion certificate and ask them to re-rate the policy.
How much does it cost to fix a roof leak in Lexington?
Most roof leak repairs in the Lexington area cost between $450 and $2,500 depending on the source of the leak and whether the decking underneath has to be replaced. A failed pipe boot is at the low end; rebuilding a valley or chimney flashing is at the high end.
Can you repair just one section of my roof?
Yes. Sectional repairs are routine. The one caveat is colour: shingles weather, so a repair on a ten-year-old roof will not match perfectly even with the identical product. We use the closest available match and place it where it reads least.
How fast can you get out to look at a leak?
For an active leak, the emergency crew is available 24/7 and typically arrives within the hour. For a non-urgent repair, we usually inspect within a few business days.
Does homeowners insurance cover a roof repair?
It covers sudden damage from a covered event — hail, wind, a fallen limb. It does not cover wear, age or deferred maintenance. If the cause looks like a covered event, we document it and help you file.
Is the roof inspection really free?
Yes. Spangler Roof Systems provides no-obligation, free quotes plus free roof inspections. There is no charge and no requirement to buy anything afterwards.
How long does a roof inspection take?
The roof estimate will typically take between 30 and 60 minutes, depending on the size and complexity of the roof and whether attic access is available.
Do I need to be home for the inspection?
Not for the exterior portion. We do prefer you are home if we need attic access, and most people want to walk through the photographs afterwards while the roof is still fresh in mind.
Will you tell me I need a new roof when I do not?
No. A fair number of our inspections end with us telling someone their roof has another eight or ten years in it. That is the point of documenting everything with photographs — you can see what we saw and get a second opinion on the same evidence.
How long does a new roof installation take?
A complete roof installation including removing the old roof, repairing any damaged areas, and installing the new roofing system typically takes one to two days from start to finish. Most single-family homes in Central Kentucky are completed in one day.
What shingles do you install?
Spangler Roof Systems is a GAF-Certified contractor and installs GAF shingle systems, most commonly the Timberline, Timberline HD and Camelot II lines. Metal, TPO, PVC and EPDM systems are available for the projects that call for them.
What does the lifetime warranty actually cover?
The installed system carries a lifetime warranty. Manufacturer coverage on the shingles and workmanship coverage on the installation are separate things and the terms differ — we go through both, in writing, before you sign anything.
Can you match the roof on an addition to my existing roof?
Usually very closely, but rarely perfectly. Shingles weather, and a colour that has been in Kentucky sun for a decade is no longer the colour it left the plant as. We will show you the closest current match before ordering.
Do you really answer 24/7?
Yes. Spangler Roof Systems has an emergency response crew that is attentive 24/7, and typically arrives within the hour for emergencies in the Lexington area. Call 859-376-7663.
How much does an emergency roof repair cost?
Emergency stabilisation and repair generally runs $650 to $3,000 depending on the extent of the damage and what has to be replaced. A recent tree-limb repair including new shingles and plywood underlayer ran $1,250 to $2,000. If the cause is a covered event, most of that goes on the claim.
Should I call you or my insurance company first?
Call us first if water is actively coming in — mitigation is your responsibility under the policy, and delaying it can reduce what the carrier pays. Then open the claim. We document everything on the first visit so the claim has evidence behind it.
Will tarping the roof affect my claim?
No — the opposite. Policies require you to take reasonable steps to prevent further damage. Emergency tarping is exactly that, and the cost of it is normally recoverable as part of the claim.
How do I know if my roof has hail damage?
You usually cannot tell from the ground. Hail damage on asphalt shingles shows as soft bruised spots where granules have been knocked loose and the mat beneath is fractured. Spangler Roof Systems provides a free inspection and documents any damage with dated photographs.
How long do I have to file a roof damage claim in Kentucky?
Most Kentucky homeowner policies require notice within a stated period after the loss — commonly one to two years, but it varies by carrier and policy. Check your declarations page, and file as soon as damage is documented rather than waiting for a leak.
Will filing a claim raise my premium?
A single weather claim generally has less effect than people expect, because it is not attributable to you. Multiple claims in a short window can affect renewal. Your agent can tell you how your specific carrier treats it before you file.
Do you charge for the claim assistance?
No. The inspection, the documentation, the adjuster meeting and the scope discussion are all part of the job. We are paid for the roofing work, out of the claim proceeds and your deductible.
How much does a metal roof cost in Kentucky?
A standing seam metal roof generally costs $20,000 to $38,000 installed on an average Central Kentucky home, or roughly $8 to $15 per square foot. Exposed-fastener agricultural panel is considerably less; copper is considerably more.
How long does a metal roof last?
A standing seam metal roof typically lasts 40 to 70 years in the Kentucky climate, against 22 to 30 years for architectural asphalt shingles.
Is a metal roof loud in the rain?
Not the way people expect. A metal roof over solid decking and attic insulation is comparable to a shingle roof. The noise people remember is from bare panel over open purlins on a barn, with nothing underneath to absorb it.
Can you install metal over my existing shingles?
Sometimes, over furring strips, if the decking is sound and the structure can carry it. We inspect the deck first. A layover that traps a failing roof underneath is not a saving.
How much do seamless gutters cost in Lexington, KY?
Seamless gutter installation in Central Kentucky typically runs $8 to $16 per linear foot installed, depending on material, gutter size, number of downspouts and the height of the run. A typical single-storey home needs 150 to 200 linear feet.
Should I replace gutters at the same time as the roof?
Usually yes, and it is cheaper. The crew is already on site with staging and disposal, and the gutter slope can be set correctly against the new drip edge rather than worked around old flashing.
Are gutter guards worth it?
Under heavy tree cover — which describes most of Winchester, Berea and older Lexington neighbourhoods — they pay for themselves against repeated cleanings. On an open lot with no overhang, they are often not necessary.
Do you clean gutters as a standalone service?
Yes. Cleaning, repair and re-sloping are all available without a larger roofing job attached.
How much does a commercial flat roof cost in Kentucky?
Single-ply membrane roofing generally runs $5.50 to $11.50 per square foot installed in the Kentucky market, depending on the membrane, insulation thickness, and whether the existing roof is torn off or recovered. A 10,000 sq ft roof typically falls between $60,000 and $110,000.
How long does a TPO roof last?
A properly installed TPO membrane typically lasts 20 to 30 years. Service life depends heavily on membrane thickness — 60 mil outlasts 45 mil substantially — and on whether ponding water is resolved at installation.
Can you recover over the existing roof instead of tearing off?
Often yes, if the existing membrane is sound, the insulation is dry, and the building has not already had a recover — most codes allow only two roof systems in total. Recovery is cheaper and faster. We core the roof to check the insulation before recommending it.
Do you work weekends and nights on commercial jobs?
Yes. With over 30 years of commercial experience, we can get the job done quickly, efficiently, and even on the weekends if necessary.
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