Roofing Insurance Virginia Dale

You’re a homeowner and determined your home’s roof needs fixing or needs to be improved with a replacement roof. You’re all set to get moving. What’s the optimal way to get a high quality roofer who will accomplish a good job? What could you look for in a roof contractor or contractor to obtain this work? Virginia Dale 

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When homeowners choose to repair a roof or replace that roof with asphalt during the cold winter months, they’re often plagued by worries that their family will freeze before the job is completed. In the same vein, those starting a roofing job in the sweltering summer months worry that they’ll be facing heat stroke. These concerns are perfectly normal and common among many homeowners looking for roofing fixes or roof replacement contractors.

Virginia Dale

roof damage The storm has come and gone, did your home suffer any roof hail damage? Hail storms are capable of producing hailstones up to 6" in diameter. These balls of ice fall from the sky with no regard to your roof. The larger a hailstone is, the faster it will fall, potentially causing more damage to your home.Many factors play into how much damage a hail stone may cause. Size of the hail, wind speed and direction are only a few pieces of the puzzle. The age of your roof's shingles, the type of shingles and if your shingles are "impact-resistant" can all factor in to the severity of your roof hail damage.Damage to your roof's shingles can compromise the effective life of your roof and even if not immediately visible, may lead to large scale problems if not identified in a timely manner. Here are a few tips which will help you properly identify roof hail damage.Tip #1: Is there any visible damage on the inside of your home? If you see water stains or slow drips on the inside of your home, then you have a problem which requires immediate attention. A new water stain on your ceiling is most definitely a sign that your roof was compromised. If left untreated, the problem will worsen leading to further damage which may require a complete tear-off of your existing roof, not to mention repairs to the interior of your home. Tip #2 Are there any visible dents (blisters) on your roof's shingles? Just because you don't see any damage to the inside of your home does not mean your roof was not damaged. When there is no visible damage to the inside of your home, it may provide a false sense of security. By neglecting exterior damage, you run the risk of damage to your home in the months to come. Even worse is if you don't file an insurance claim within the time guidelines stipulated in your homeowner's insurance policy, you may lose benefits that you are entitled to now.Identifying shingle blisters requires a visible inspection of your roof. Sometimes blisters may be hard to see. It can be helpful to look for small dings on metal or aluminum vents, downspouts or gutters. It is typically easier to identify these marks than blisters on your shingles. If you believe you have visible evidence of damage, it is suggested that you contact your insurance agent immediately to express your concerns and to find out what your policy covers and the procedures necessary to file an insurance claim.Tip #3 Get your own independent professional opinion. There's no denying when a hail storm has blown through town. The National Weather Service records all storm data. If there is knowledge of a storm, and you contact your insurance company, they will most likely dispatch an adjuster. That adjuster represents your insurance company. His job is to identify damage, assess the cost to repair or replace your roof and make sure all of the paperwork is in order to process a claim.It is suggested that you contact a local roofing company that is trained in roof hail damage for an independent opinion prior to your insurance adjustor performing their inspection. Your roofing company is capable of representing your interests. They should be willing to provide you an inspection and estimate to repair any damages free of charge. More importantly, they should be willing to back up their estimate and make themselves available for mutual consultation with the insurance adjuster. If the adjuster and roofer can agree on the remedy for the damage and the cost, this can expedite the process. In most cases your roofer will be awarded the repair job.Tip #4 Get It In Writing. Most insurance companies will only issue a check directly to the roofer. This protects the insurance company from the homeowner "pocketing" the proceeds and never repairing the damage. By getting your roofing contractor to agree to the type of repairs to be performed and the costs involved, this will insure that your roof gets the required repairs. If your roofer agrees that the insurance check is sufficient to repair your roof hail damage, then they should be willing to do the repairs for that cost, nothing more. Roof replacement or repair due to hail damage can be one of the most expensive repairs for homeowners and insurance companies. Making sure that you properly identify roof hail damage in a timely basis, and following the proper procedures will help protect your family's most important asset, your home.In summary home owners who think they may have suffered storm damage should: Look for visible water damage inside your home. Look for damage to your roof's shingles that may compromise the effective life of your roof. If necessary, contact your insurance agent and file a claim. Consult a local roofing contractor trained in Roof Hail Damage to represent your interests.

Understanding Your Roof Replacement Estimate

residential roofing systems You've decided you need a new roof. Several contractors have given you estimates. How do you know which is right for you? It is important to understand exactly what the contractor is proposing when making a decision on your roof replacement. There are usually several products/services included on most re-roofing quotes.SHINGLESThe primary item on a roof replacement estimate is the actual roofing material. The estimate will list the manufacturer and type of shingles the contractor intends to use. It will also show the style of shingle. Architectural or dimensional shingles are the most popular. They create more interest and often mimic the look of other roofing materials such as slate or tile. It may include color choice or options if design was part of the initial discussion. The estimate will also indicate the length of the manufacturer's warranty for that type.FLASHINGIf your roof has chimneys, dormers, and walls, then you will see flashing on your estimate. Flashing prevents water from seeping behind and under shingles, causing water damage to the structure.Flashing is usually thin sheets of aluminum or galvanized steel. Many professional roofers will fashion their own from sheet metal. Flashing is installed over joints in the roof & wall construction. Possible areas are valleys, chimneys, dormers, windows, pipes, skylights, porches, decks and edges.New flashing is often installed with a new roof. If flashing deteriorates or comes loose it can cause severe damage to your home. It is important to make sure it is installed properly to avoid unnecessary damage.UNDERLAYMENTOne item that should be included on every roof replacement estimate is underlayment. Underlayment is a layer of protective material between the roof deck or plywood and the shingles. Often called felt paper, it is the first layer of waterproofing for your roof.Manufacturers reinforce the underlayment with fiberglass to strengthen and resist tearing, make installation easier and improve its waterproofing effectiveness.Manufacturers are constantly developing new underlayment technology. Newer synthetic underlayment further increases the effectiveness, ease & safety to install and increases longevity. Some manufacturers have developed organic and green underlayment products.It is usually recommended to use underlayment from the same manufacturer as your shingles as they are designed to work together. It may be required for a valid warranty.A contractor will choose the best type of underlayment for your roof replacement based on the type of roof and climate in which you live. If you have any questions regarding their choice, they are the best resource for your specific project. DRIP EDGEDrip edge is another important and sometimes overlooked part of a roofing or re-roofing job. Even though manufacturers recommend it, and some require it for a valid warranty, some contractors do not include drip edge on their estimates.Drip edge is metal strips applied along gutter lines, eaves and some rakes. It stops water from getting under the shingles and damaging the deck plywood and protects fascia. Properly applied drip edge will lengthen the life of the roof and further protect the home from water damage.Drip edge is not expensive to include in a roof replacement project and the benefits greatly out way the cost.ICE & WATER SHIELDThe purpose of a roof is to protect the home from the elements; wind, rain, ice, etc. In most climates, ice and/or water are a concern you can't ignore.Ice and water protection should be discussed for almost every residential roofing project and will likely appear on your estimate. Ice and water barriers allow proper water flow preventing damage caused by high wind and rain storms and ice build-up known as ice dams. It strongly adheres to the plywood roof deck providing a second line of defense to the underlayment. The barrier is applied to the most vulnerable parts of the roof. Depending on the type of roof this could be the valleys, eaves and rakes, or the entire deck surface. Contractors may also suggest applying it around chimneys and other areas where leaks are likely to occur.VALLEYSA valley is the angle formed by the intersection of two sloping roof planes to provide water runoff. Because of the amount of water passing through that area of a roof, it is important to consider how the area will be protected when replacing an asphalt shingle roof.There are different methods for shingling the area with dimensional asphalt roofing material. Closed cut valleys are most popular aesthetically. In a closed cut valley application, shingles from one side of the valley extend across the valley while shingles from the other side are trimmed back a few inches from the valley centerline. Any flashing is not exposed. When using the open cut valley roofing method the flashing is visible. Open cut valleys may be used to create visual interest or enhance features on some design styles.Some contractors will use ice and water shield under the shingles, others will choose to install metal flashing. Further, some contractors will install both for extra protection. A professional roofing contractor will consider many factors and make a recommendation as to the best method and style for the specific project. A detailed estimate will include these recommendations.RIDGE VENTAll roofs need to be vented to allow moisture to escape and prevent damage to the roof and the entire home. There are several types of roof ventilation systems. The most popular are ridge vents. They are installed along the ridge or peak of the roof and allow hot air to escape and draw cool air in the soffit vents.A detailed roof replacement estimate will include which type and style of vent is going to be installed. Ridge vents come in several styles to match the home, shingle design, and homeowner's preference as to how much they stand out or blend in with the rest of the new roof.CHIMNEY CRICKETIf the home has a chimney, a professional roofing contractor may recommend installing a cricket if there isn't one already. A cricket is a peaked construction at the back of a chimney to help prevent snow and ice build-up and to deflect water around the chimney.PIPES AND FANSPipes and fans on the roof should be addressed in the estimate. These are vents that allow air to escape the home from the attic, bathroom, or other household needs. A contractor will indicate how they will treat these during the project. Will they keep the same ones, replace with new pipes or recommend a different type of ventilation or fan.GUTTERSWhen replacing a roof, it is a good time to consider replacing gutters as well. Either on your request or their recommendation, an option for gutter replacement may appear on the estimate. It may specify the length in feet, type of material, the type of construction (seamless, sectional), the size or width in inches and the size of the downspouts that will be used. Gutter estimates may include leaf protection, which is a covering that allows water to flow and keeps leaves and other debris from causing clogs in the gutter and downspouts.SOFFIT & FASCIAOften replacing soffit and fascia will be recommended.Fascia - Connects the roof to the soffit, where gutters are attached.Soffit - Covers the underside of the roof overhang.Both of these play a large part in protecting the structure of the home.PLYWOOD & SHEATHINGUnder all the underlayment, ice & water shield and shingle material is the decking. This is the wood that makes the solid structure of the rooftop. During a roof replacement project, it may be discovered that some of this decking has been damaged and needs to be replaced. A roofing contractor may indicate this expense in different ways. If they see obvious damage they will note that in the estimate and the type of material that will be used. This could be plywood, Luan or other coverings. However, sometimes this damage is hidden until the replacement project has begun. Some contractors will also include the additional costs that may be incurred if a problem is found. WARRANTIESMost roof replacement estimates will mention warranties and guarantees with limitations and for a specific number of years.Manufacturers' warranties usually offer coverage when there is a defect in the roofing material that causes leaks under normal conditions. A manufacturer's coverage will typically cover the cost of replacing the materials, not the labor to do so. They also do not cover replacing the entire roof, just repairing or replacing the defective areas.Manufacturers' warranties often exclude damage due to pre-existing conditions of the roof. If the shingles were installed improperly or the roof structure and gutter design was faulty, coverage may be denied. Many warranties are prorated, meaning the longer the roof is on your home the less coverage you have.Manufacturers may recognize quality professionals that they trust. These contractors may be able to offer additional or extended manufacturers' warranties.Be sure to understand the coverage and limitations of a manufacturer's warranty before using it to make your roofing decisions.While a good warranty to cover defects is important, choosing your roofing contractor is as much so.Manufacturers' warranties do not cover problems arising from installation. This is where a workmanship guarantee comes in.A workmanship guarantee is offered by the contractor and covers all defects related to installation work only. A qualified contractor will know what type of material to use on your roof and how to install it properly, reducing the possibility of roof leakage. Your contractor will also recognize potential problems such as structure, drainage and ventilation issues and address those ahead of time so they won't damage your new shingles in the future. A reputable contractor will offer a labor warranty to cover any issues that may arise for additional peace of mind.When considering your new roof investment, be sure to look at the coverage warranties offer and especially the quality and knowledge of the company installing them.CHOOSING YOUR CONTRACTORAfter reading and understanding the estimates, it is time to make a decision as to who will do the work. Make sure to check out each contractor's qualifications and experience. Online reviews are an excellent source of information. shingle roof repair

Hail Damage Roof Fort Collins