The HIDDEN Cost of a T-Lock Shingle Roof

Ever wonder why your roof has T-Lock Shingles? In this article, we will take a look at some of the reasons these shingles might have been your builders go-to choice along with some quick facts about the shingles. They are also known as Interlock Shingles or Tie Lock Shingles.

5 quick facts about t-lock shingles and how they may effect the roof on your homeSeveral Quick Facts about the T-Lock Shingle along with a Before and After photo of a T-Lock Roof Replacement

The Story Behind T-Lock Shingles

The T-Lock shingle was originally designed to withstand high winds with ratings of 90 to 110 MPH depending on manufacture and other various specs. One of the reasons they were eventually discontinued is because of architectural, also known as laminate, shingles were introduced and became very popular in the 1980’s and 1990’s for their superior resistance to hail and high winds. Most laminate shingles today have wind ratings of 130 MPH and higher.

In addition to the above reasons, the T-Lock’s decline in popularity was also justified by its weakness to withstand hail damage. Due to its interwoven patterns when installed, small air pockets are formed where the shingles interconnect. Because the shingles do not have a solid surface backing under the air pockets, these spots become highly susceptible to punctures by hail.

Why Developers Favored T-Locks in Recent Years

When laminate shingles took over in popularity, many shingle distributors were left with large stockpiles of T-Locks that suddenly lost appeal to homeowners and roofing contractors. This prompted distributors to offer huge discounts on the less desirable T-Lock Shingles to property developers who were happy to make the extra profit rather than installing the more modern laminate shingle on new developments.

T-Locks have been widely used on Colorado’s Front Range due to a large expansion in housing projects in the last 20 years. Roofers in Colorado Springs are now having many of their clients ask what options are available to them for their first roof replacement.

The Drawbacks of T-Lock Roofing

Some drawbacks that cost property owners extra cash when it comes to owning a home with T-lock Roofing materials.

  • High Insurance Premiums or Deductibles. (SOME) insurance companies have raised rates in these two areas due to the fact that T-Lock materials are no longer available thus, what could have been a roof repair is now costing the insurance company a full roof replacement.
  • Property Value. Realtors, Investors, and Potential Home Buyers are becoming more aware of increased premiums and are less likely to pay as much for a home with a T-Lock Shingle Roof.
  • Finding Good Insurance Coverage. While some insurance carriers have simply raised premiums, others are writing endorsements that depreciate or exclude T-Lock roofs. This means that some homeowners could get stuck footing the entire roof replacement cost in the event of storm damage.
  • Selling Your Home. In some cases you may not be able to sell your home as the mortgage company of any prospective home buyer will have an inspector take a look at the home prior to finalizing the sale. Even a small amount of damage to your T-Lock roof could prevent the sale of your property.

For more information regarding these issues please see the video below. (Excuse the Poor Quality) It is well worth a listen!

There is Some Good News

Depending on your insurance company you may be in a position to have your T-Lock Roof fully replaced for no more than the cost of your deductible. In some cases, especially if your policy was recently put in place, you may have been assigned a high deductible. However, in a good number of cases, we are still finding that clients have deductibles of $500.00 to $1000.00.

The good news associated with a low deductible is that you may still have time to replace your roof for minimal cost before your insurance company decides to raise your deductible, depreciate, or exclude your roof.

Hail Hits in Furnace Cap & T-Lock ShinglesMany T-Lock Roofs Have even Minor Hail Damage that can Require Payment for Full Replacement by an Insurance Company.


Wind Damaged T-Lock Shingles On a Residential Roof in Colorado Springs Even a Small Amount of Wind Damage can Warrant a Full Replacement due to Non-Available or Discontinued Materials.

Best Steps to Take if Your Roof has T-Locks

Your best resource, in this case, is a reputable local roofing company that specializes in Insurance Restoration. The KEY ELEMENT to a successful, full roof replacement settlement is having a contractor with experience in handling these types of claims.

Insurance Companies may be well aware of the requirements to compensate for full replacement of T-Lock Roofs even with minimal damage. However, they can also be quick to indicate that a roof does not have enough damage to warrant full replacement. This is where your contractor can step in to support your claim by completing the inspection with the insurance adjuster to negotiate a comprehensive settlement with reasoning documentation that any amount of damage will require full replacement due to the unavailability of T-Lock Roofing Materials.

Roofers in Colorado Springs

Local roofing company, True Nature Roofing headquartered in Colorado Springs has the professional staff trained to handle all aspects of Insurance Claims. They have several specialists that are licensed insurance adjuster’s who have handled thousands of homeowners claims in the last decade.

For a professional evaluation and well executed roofing solutions, contact True Nature Roofing today at (719) 439-9981


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