Roofing 101

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Roofing 101

Can you absorb my deductible?

No! The practice of waiving deductibles is widely viewed as a gray area in the roofing industry. Homeowners insurance policies do not allow for a roofing company to waive your deductible. When a job is completed, the insurance carrier pays with the understanding that you are paying your deductible. Some carriers won’t pay their claim unless a contractor can prove that the homeowner has paid their deductible. I suspect this will spread to other carriers with time. If you go with a roofing company that will waive your deductible, you are placing yourself in a situation that could come back to haunt you. It is fraudulent to waive a deductible, and we will not compromise our integrity and character to gain a job.

I have other storm damage too. What about that?

Anderson Industrial Roofing also has a construction department that handles everything unrelated to roofing. We can help if you have sheetrock damage, damaged fencing, fascia board needing new painting or replacement, siding needing painting, or windows needing replacement. Just call us!

How can my roof save me money?

There are a couple of ways your roof can save you money. Installing a Class Four impact-resistant roof will qualify you for discounts on your homeowners insurance with many insurance carriers. The other way is by installing energy-efficient materials onto your roof. Items like IR reflective shingles, which are coated with a more reflective granular surface, allow for less heat radiation into the home’s attic. There is also a radiant barrier decking product, or a radiant barrier underlayment to help reflect the heat away from your home. It results in a cooler attic, usually materializing in lower energy consumption. Finally, there are roof ventilation products which enable greater air flow in the attic. There is even a solar panel option for attic ventilation. If you are interested in any of these options, Anderson Industrial Roofing can help. Give us a call for more information!

What is the right price for a new roof?

The answer to this question depends on many factors. For a hassle-free, commitment-free quote, please contact our office.

My roofer wants to see my insurance paperwork. Should I show him?

Yes. You should always have your roofer assist you with the claim. It starts with meeting the adjuster on site and going over your loss sheet paperwork with you. In most cases the roofer can help you benefit more by seeing the insurance paperwork. It will not affect the price you pay or the agreement you make. There may be many other items your insurance company owes you for besides the roof. It includes gutters, windows, screens, AC units, garage doors, fencing, siding, and more. Our company always makes our agreement or discounts prior to seeing the paperwork anyway.

I don’t understand this insurance paperwork!

Insurance paperwork is not standardized. Accordingly, each company has a different format or way that it conveys the information to its policyholders. There are two different types of homeowner insurance policies.

One is a “Cash Value” policy. The Cash Value policy only pays the actual cash value of your property at the time of the loss. This is calculated by taking the replacement value of the property damaged (roof), determining the age of the roof and subtracting an amount for depreciation (the older the roof, the more this is), and also subtracting your deductible (usually 1% or 2% of the home value). It ends with the cash value of the roof at the time is was damaged. You will only receive this one check with this type of policy.

Again, replacement costs – depreciation – deductible = cash value.

The second, and more common policy is the RCV, or “Replacement Cost Value” policy. The RCV policy allows for a recovery of the depreciation withheld, once the damaged property is restored. This is calculated much in the same way the Cash Value policy is. The replacement costs are taken, and the depreciation and deductible are subtracted, leaving you with your first check from the carrier. This is a cash value check. Once you have the property restored, you (or your contractor) will send an invoice for repair to the carrier. Your carrier will release the depreciation amount or the invoice amount – whichever is less. The remaining amount due is your deductible amount depending on your policy.

Again, Replacement Cost Value is (First check) replacement costs – depreciation – deductible = Cash value. Second check will be the recovery of the withheld depreciation once the property is restored.

If you do not restore the damaged property in whole, it is fraudulent to request and recover withheld depreciation.

If this is still confusing, call us!

Should I give my roofer a deposit?

No. You should never give money upfront to a roofer, unless you have ordered a special product of some kind. Then your check should be made directly to supplier. A reputable roofing company will not ask for material costs upfront. Most roofers that are getting money upfront will probably not have a working relationship or history with manufacturers. These roofers will likely not be able to get credit with them. Or, sadly, there are some of those aforementioned fly-by-night contractors that take your money and you never see them again. You should avoid all concerns like this – just call us!

How do I pick the right roofer?

Unfortunately our industry attracts many fly-by-night contractors. Do your due diligence. Check how long your roofer’s been in business.

  • A very important step: check the business’ corporation status. Many roofing companies simply change their name slightly over and over, eliminating their liability to warranties or lawsuits.
  • Ask to see the roofing company’s articles of corporation paper. It should match the name of the contract exactly.
  • Check references from other homeowners.
  • Check supplier references and their credit status with those suppliers.
  • Depending on the state of township they are working in, bonding and insurance may be required. Check banking references.
  • Local organizations like Angie’s List, or Locals Love Us, are a good measurement of the character and integrity of a company.
  • Don’t always go with cheapest bid. Use your common sense – if something sounds too good to be true, it usually is. The bitterness of poor quality lingers a lot longer than the sweet price soon forgotten.
  • A lot of times, when you have done your due diligence as above, there may be a few roofers left from which to decide. Go with your gut, the one you get a good feeling about. If you can’t decide, ask a spouse, relative, or friend to join you in meeting with them and assist in the decision.

My roofer told me that I may need a re-inspection. What is this?

A re-inspection is simply an exercising of your right as the insured to a second opinion from another adjuster. Most insurance companies will gladly send a supervisor to double check your roof in case they might have missed it the first time. * Remember, it is very important to get a different adjuster on your re-inspection. The first adjuster will likely not be happy you are questioning his findings. If the same adjuster comes out on a re-inspection, he will probably not change his opinion from the first visit.

My insurance company said I don’t have any damage, but a lot of my neighbors are getting new roofs.

  • Sometimes hail can miss your house, or your shingles may be newer or stronger.
  • Sometimes the hail bruises can be overlooked by an inexperienced adjuster. After large storms, insurance companies may have to hire many new adjusters to handle all the claims. Some are with little or no experience. We run into this in every large storm.
  • In a lot of cases where the hail is around the size of a golf ball, the bruises may not show. The damage won’t be apparent until you have the rainfall to wash the granules from the bruises area.
  • Sometimes an insurance adjuster is just having a bad day. This is why we recommend that you have a roofing professional (remember, Anderson Industrial Roofing has many of them) come evaluate the situation first. Then we can also be present when the insurance adjuster comes for their evaluation. Call us!

What is hail damage? Can I look at my roof myself?

Hail damage can be a dent, bruise, split, or any other result of a hailstone impact depending on the type of surface the hail hits. In most cases hail damage would not be visible from the ground. A homeowner should always get an experienced professional to assist with inspecting his or her home. Anderson Industrial Roofing has many experienced professionals available to help you. Give us a call to arrange a no-cost evaluation!

I see spots on the ceiling. What does that mean?

If you see spots on your ceiling, there is likely a water leak of some kind above the ceiling. This could be a plumbing issue, but it could also be a roof leak. Either way, rest assured we will come out and provide our hassle-free, no-cost inspection to help determine the source. We can also help you fix the stain or damage from the leak. Just call us!

My roof is leaking. What should I do?

If you know or suspect that you have a roof leak, call Anderson Industrial Roofing for a hassle-free, no-cost inspection. Maybe you ventured into the attic to get the Christmas decorations down and noticed that one of the boxes looked like some water had dripped on it. Call us. If you have some areas on your ceiling that are yellowed or stained, it may be from a water leak above the ceiling line. It may be plumbing, or it may be roof. Call us at 866-949-8016 Today!

I’ve had a storm. Now what do I do?

First, don’t panic. If it has been a bad storm and your roof has been compromised, contact a roofing company (Anderson Industrial Roofing) quickly for an emergency cover. It will minimize the damage to the inside of your home. The insurance company will pay for this, as it will also reduce the amount of money they may have to pay if there is further damage left uncovered. If the roof is not compromised, then the urgency is not as great. However, there is still a need to have a roofing company (Anderson Industrial Roofing) come out and assess the condition of your property. Just because you can’t see the damage, doesn’t mean it’s not there. I would recommend that you call us first to come and look at the property. We will advise you of the condition, whether or not you have damage, and if you need to involve the insurance company.

What is a residential roofing system?

Much like the commercial roofing system, the residential roofing system includes several components required in the installation of a residential roof. Again, all manufacturers have four or five items in their system. These include the underlayment, shingle, starter shingle, hip & ridge cap, and valley material which complete the system. They enable the homeowner to receive the full manufacturer’s warranty on their system. Unlike the commercial system, adhesives and fasteners are not necessarily included. However, industry standards dictate what is required in these areas.

What is a commercial roofing system?

A commercial roofing system is a globally used term for all of the required roofing components of a commercial roofing project. Each commercial roofing manufacturer puts together its roofing system with components that work together with other components. In a commercial roofing system, items such as underlayment, roofing material, adhesives, fasteners, and others necessary for installation are all included in the manufacturer’s own system. A manufacturer requires you use only the materials and supplies included in its system in order to obtain a manufacturer’s warranty on the install. All commercial roofing manufacturers also require the installer to be certified in their roofing system and to follow their installation guidelines to be eligible for the manufacturer’s warranty.

If you have any further questions, please submit your question online or contact our office at 866-949-8016 or 972-579-0001. A qualified and knowledgeable representative will assist you.

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