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FAQs
Our Old Mystic Village home was built in 1976, and the roof looks worn. What's happening under the shingles?
At 50 years old, the architectural asphalt shingles are well past their design life. The UV and moisture cycles of the New England coast have degraded the asphalt mat, causing it to become brittle and lose its granules. More critically, the original half-inch CDX plywood decking beneath is likely compromised where fasteners have loosened over decades of thermal expansion. This combination creates a high risk of deck failure during a heavy snow load or high-wind event.
My homeowner's insurance premium in Connecticut just jumped again. Can a new roof actually lower my bill?
Yes, directly. Connecticut insurers now apply an average 18% premium surcharge for roofs over 20 years old due to their higher claim risk. Replacing with a FORTIFIED Home-rated roof, which is an active program here, qualifies you for significant credits. This designation, verified by a third-party evaluator, signals superior wind and water resistance, reducing the insurer's risk and your annual premium, often offsetting a portion of the roof's cost over its lifespan.
I have mold in my attic, but my 8/12 pitch roof seems fine. Could the roof itself be the cause?
Absolutely. Improper attic ventilation is a common culprit. The 2021 IRC, as amended by Connecticut, requires a balanced system of intake (typically at soffits) and exhaust (at or near the ridge). On a steep 8/12 gable, hot, moist air becomes trapped without adequate airflow, condensing on the cold sheathing in winter. This leads to mold on the plywood deck and rafters, which degrades wood and insulation, and can even prematurely age the shingles from the underside.
What are the current Stonington building code requirements for a reroof that my contractor must follow?
The Stonington Building Department enforces the 2021 International Residential Code with Connecticut's 2022 amendments. Key requirements for your re-roof include specific ice and water shield application (e.g., a minimum 24-inch width from the eaves inside the exterior wall line), upgraded flashing details, and fastener schedules for the 1/2-inch CDX decking to meet the 115 mph wind uplift. Your contractor must be licensed by the Connecticut Department of Consumer Protection and pull the permit, which ensures a third-party inspection for these critical, code-mandated details.
We get nor'easters and hurricane remnants. What specific wind rating should my new shingles have?
Old Mystic is in ASCE 7-22 Wind Zone 115-120 mph, which dictates the required fastener pattern and shingle adhesion. For peak storm season resilience and maximum insurance benefit, install shingles with a UL 2218 Class 4 impact rating. These are tested to withstand 2-inch hail, which translates directly to surviving wind-driven debris. This upgrade is a financial necessity, as it prevents the granular loss and punctures that lead to moisture intrusion and costly interior claims.
A roofer did a 'walk-over' and said my roof was fine, but I'm not convinced. What are they missing?
A visual inspection from the ground or on the roof cannot detect sub-surface moisture within the decking or insulation. In Old Mystic's climate, we use infrared thermography to map thermal anomalies indicating wet plywood, and follow up with manual moisture metering for precise quantification. This reveals failing areas under seemingly intact shingles, allowing for targeted repair and preventing widespread structural rot that a traditional inspection would miss until it's a major problem.
I'm considering solar. Should I stick with traditional shingles or invest in solar shingles?
The decision hinges on your primary goal. Traditional architectural shingles paired with a rack-mounted system leverage Connecticut's net metering and the 30% federal Investment Tax Credit for maximum energy cost reduction. Solar shingles (like certain integrated PV systems) offer a streamlined aesthetic but typically come at a higher cost per watt and may complicate future roof repairs. With 2026 technology, the efficiency and financial return of traditional panels paired with a high-quality, solar-ready roof often present a more robust long-term value.
My roof is actively leaking during a storm. What's the emergency protocol for getting it covered?
The immediate priority is to deploy a reinforced waterproof tarp, secured with 2x4 batons, to protect the interior from water damage. Our crews stage materials for rapid Old Mystic response. The dispatch route from the Old Mystic General Store via I-95 typically allows for an initial assessment within 35 to 45 minutes. This temporary mitigation is followed by a full diagnostic inspection to plan a permanent repair that addresses the leak's root cause.