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The CertainTeed Horizon shingles are a 3 tab shingle that looks much like an architectural shingle. It achieves this look because of its added cosmetic tab laid over the face of the 3-tab. It was a great idea actually! They look pretty good, except for the premature deterioration issue that plagues this product...
Granular loss and thermal cracking compromise the integrity of the shingles, and seeing clogged gutters full of granules is common with this product. This shingle has been out of circulation in the marketplace since 2012, making it impossible to purchase for repairs.
What made the horizon shingles stand out is the prominent black shadow line at the top of each tab. It looks great, but makes it tough to spot shingles that are creased by the wind. Usually, the damage is noticed a bit too late when a tab or two is missing and you finally see it laying in your yard. In this case, you can count on much of your roof having wind creased shingles.
There are some little known facts about how insurance companies must behave when it comes to indemnifying your home. For one, if you file a claim on your homeowners insurance and the adjuster finds damage, your insurance company must repair or replace the damaged areas using “Like, Kind, and Quality” products. This presents a bit of an issue when it comes to the CertainTeed Horizon shingle.
In addition to this, 99% of the time the Horizon is not repairable due to premature deterioration. If the shingles are too brittle to properly repair, then the "non-reparability factor" comes into play, forcing the hand of your insurance carrier to provide a full replacement.
Here are the facts:
Given the above information, your insurance company is not allowed to repair your roof with a product that is not of like kind and quality. As a result, if your insurance company determines that your roof has been damaged by a storm – they must replace the entire roof. They may not repair your roof no matter how minimal the damage is.