General

8
May

Happy Mother’s Day!

Mother's Day RoofBidders

30
Apr

Why You Need To Vent! Roof vent that is…

GAF Air Flow Example

Does your roof vent enough?

Lately we have noticed more and more roofing companies trying to woo customers with the latest uber-vent.  Is this a new fad?  Does every house need a roof vent?

The simple fact is that while each of us need to vent every now and then, roofs need to vent all the time.

Why do roofs need to vent?

The simplest answer is to let the air out of your attic.  Whether it’s warm or cold air, attic vents (and ventilation in general) help the roof last longer and can prevent many serious and expensive issues from popping up later as the moisture and stagnant air will begin eating away at the roof system.

As Spring is here and Summer is near, let’s focus on hot air.

Ventilation helps to exhaust hot, moist air as it rises within the attic.  It can escape naturally, via the ridges on top of the roof (ridge vents), OR it can be forced out via powered exhaust vents; also known as roof vents (or attic vents).

Hot air, especially if it is moist, will soon cause a whole host of issues if it is not properly vented.  But just adding a roof vent will not solve this problem.   For the hot air to escape, fresh air must be able to flow INTO the attic.

TIP: Do not buy roof vents without knowing if your roof has adequate inflow capabilities.   Below is an illustration of how air moves (or does not) based upon ventilation.

attic roof airflow

What happens to a roof without roof vents or proper ventilation?

First, excessive heating or cooling bills are a certainty.  Additionally, poor ventilation creates excess moisture which will eventually cause metallic materials, including nails, to rust and break.

Further, the roof decking itself will begin to deteriorate from rot and various types of fungi.

Finally, mold will develop and wreck havoc everywhere it grows.

How do you ensure the attic and roof system has proper ventilation?

The best way to is to make sure there is adequate air ventilation and movement at each ventilation point.  Roof vents alone are not the answer.

Proper attic ventilation will be balanced between inflows and outflows.  This requires using ridge vents as well as exhaust vents (roof vents) along with intake vents at the eave, soffit, or fascia area of the roof.

Most experts agree, you need 1 square foot of ventilation for every 150 square feet of attic space; 50% should be intake and 50% exhaust.

Still have questions, the experienced roofers within the RoofBidders’ network understand what it takes to properly install  adequate ventilation for your home.



Want more information?  Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us. 

No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

27
Mar

Happy Easter! He is Risen!

From our family to yours.  Happy Easter!
Happy Easter!

17
Mar

In search of St. Patrick

Happy St. Patrick Day Shamrock RoofBidders

Happy St. Patrick Day!  

As someone who is 1/8 Irish and has never been to Ireland,  I wondered to myself who is the real St Patrick?

Here’s what I discovered.

In Search of St. Patrick

by John Murphy Ball

St. Patrick’s Day has little significance. Outside of Ireland, it isn’t even a national holiday–I don’t know anyone who gets the day off.

However, if there was ever a man who deserved to have a day named in his honor, it is Patrick. He was a Christian hero of incredible bravery, a man who changed history, and a man of faith who richly deserves to be remembered–and not only by the Irish!

As with many early heroes, history and legend have combined when it comes to Patrick. From his own few writings we know he was born near the end of the fourth century in Britain, an outpost of the crumbling Roman Empire.

It was a terrible time in the western world. Many Christians believed the end of the world was near. The imperium was disintegrating, and along with it the settled, ordered way of Roman life.

Decades of defensive warfare against a thousand foes along the empire’s vast perimeter had consumed soldiers and resources at a rate impossible to maintain. Internal strife and corruption had further destabilized the great empire. Rome was slowly shrinking, drawing its troops inward to more defensible positions, and leaving remote provinces and colonies perilously isolated. Britain was such an orphaned outpost, without real protection from blood-thirsty raiders who swept in from the sea to rob, rape, pillage and kidnap children for slaves.

Irish raiders

These raiders were the Irish–members of the same fierce Celtic race that had, in earlier decades, confronted Roman troops and fought them to a standstill on the borders of Roman Britain. In those days they had fought naked with their bodies painted in vivid colors. To the civilized Romans they were frightening savages with modern swords, shields and other weapons.

The Irish made jewelry and tableware from the bones of their victims, and they worshiped horrible, murderous monster gods. They practiced human sacrifice and were accused of cannibalism by the Romans, who never conquered them or their neighbors, the Picts. Instead, the Roman army steered clear of these natives and built sturdy walls across Britain in an effort to keep them at bay.

One of the unfortunate children stolen in a raid by these pirate warriors was Patrick, a Christian Roman boy dragged off one dark night, along with his two sisters, and carried across the sea to the remote mountains of Ireland. He was sold to be a shepherding slave. He was forced to live in horrible conditions, often hungry, often cold, threatened by the elements, and abused by his captors. Patrick survived, though, and over the years, he learned the language of the Irish and their ways.

In his Confession, one of two documents that have been attributed to St. Patrick, he tells us that he had not been particularly religious before his capture. But shivering alone in his mountain cave, with only his master’s sheep for companions, he turned earnestly to the Lord.

During his six years in bondage Patrick prayed and meditated. One day, he tells us, God sent him a surprising vision in a dream. He was to go to a certain harbor, where a boat would be waiting to take him home to Britain. He believed the message, walked to the harbor, and events happened as he had been told. Now a young man, Patrick was free and at home with his parents once again!

He spent only a short time with his family, for he received another message, in another dream. Patrick tells us this dream was vivid and startling. He was to return to Ireland, the land from which he had just escaped, not as a slave, but as a minister of God. The Lord had chosen Patrick, he believed, to turn the Irish from their Druidic paganism to Christ.

Obediently, Patrick set to work on what was to be a lifelong task. He studied for years, became a priest, and began to petition to be sent to Ireland. His petitions were repeatedly denied, and he was given other work. A decade passed, and then another. Patrick was made a bishop, but he was not allowed to go to Ireland. Most men would have given up, but Patrick worked, prayed and petitioned. Still more years passed. Another bishop, Palladius, was chosen to take the Gospel to Ireland–Patrick would not be the first missionary to Ireland after all.

Palladius’ mission failed. It lasted less than a year. Finally, Patrick, now perhaps 60 years old, after waiting, praying and petitioning for most of his life, was given permission by the Pope to undertake his very dangerous mission to Ireland.

What followed is an incredible story.

Patrick’s return

Ireland was a warrior nation divided into tribal districts. It was rich from years of raiding and from its booming slave trade. This was a world ruled by handsome, fierce, fighting nobles and black-hooded Druid priests. Here pagan, magical arts were practiced and the great idol Crom-Cruach, surrounded by 12 lesser deities, towered over a field dedicated to blood sacrifice. This was also a land where wandering poets sang songs of mythical heroes while chieftains feasted with their warriors in torchlit halls.

According to tradition and to the stories passed down to us, in about the year 432 Patrick and a small band landed their boat in Ireland and, singing a hymn for divine protection, proceeded inland. They soon found themselves face to face with a party of armed warriors led by two Irish princes who had orders to kill the Christians. However, as Patrick spoke a few words to the soldiers, the Holy Spirit swept in, converting the majority, whom Patrick baptized on the spot, including the two princes. The warriors joined Patrick on his inland march. (The princes eventually became priests and bishops themselves.)

Eventually, Patrick arrived at the court of King Leoghaire at Tara, where Druid priests displayed their demonic magic, theatrically plunging the hall into darkness. Instead of cowering in fright, Patrick observed aloud that these priests could create darkness but that they could not dispel it–which they could not. He then proceeded to use this incident as the theme of a sermon, in which he likened Christ to the light. Many of the assembled nobles converted to Christianity that day, and Patrick gained the king’s respect and protection.

The Druids claimed his mere presence sucked the magic power out of their practices. Other war parties sent to kill Patrick were converted by him instead. Tribal kings and queens fell in love with his charity and fearlessness. Even those who did not convert respected him. In about 434, after only two years of preaching in Ireland, Patrick himself used a long pry bar to topple the stone idol of Crom-Cruach.

He often faced certain death unafraid. He argued, preached and brought Christ with him everywhere he traveled. In his path he left converts and churches under construction. In about the time it took Patrick to walk across it, Ireland converted from paganism to Christianity. Ireland outlawed slavery and stopped raiding its neighbors. Never before in the history of the world and never since has such a dramatic and sudden cultural and religious change taken place without force of arms, solely through the Word of God.

An Irish hero

In many ways, Patrick was more Irish than the Irish. He loved Irish legends, poetry and songs, and he insisted that this heritage be documented and retained. For their part, the Irish loved him and embraced him. Patrick lived his life in Ireland and died there. He left behind a Christian people, a civilized people, and he left behind towns, schools, seminaries and a love of learning perpetuated to this day.

Perhaps the story I have just told is as much myth as truth. We know that there were probably small groups of Christians in Ireland before Patrick’s arrival, not in the least because of the kidnapping raids by Irish pirates. St. Patrick probably did not really drive all the snakes from Ireland either, as the legends say (biologists tell us snakes have never been native to Ireland), but we can agree that Patrick surely helped drive out one deadly serpent from that green garden!

A few years after Patrick’s death, Germanic barbarians sacked the city of Rome, burned books, tore down buildings, melted priceless artifacts, and dragged the western world into the Dark Ages. Western civilization was almost lost, but the Irish, on their island beyond the reach of the barbarians, remained a bastion of Christianity and learning. Irish monks sought out, copied and protected the few manuscripts that survived the barbarian onslaught on the continent. They protected not only Christian manuscripts, but influenced by Patrick’s love of literature and history, copied and maintained secular and pagan literature as well. Thanks to their efforts, we have the Illiad of Homer, the lectures of Cicero, and a thousand other cultural wonders that might otherwise have vanished. In short, for centuries Irish monks preserved our western heritage for us.

It was also Irish missionaries, following in Patrick’s footsteps, who risked their lives to bring the Gospel to those barbarians who had conquered Rome and spread across Europe–the Germans. Along with Christianity, Irish monks brought the same gifts to these barbarians that Patrick had carried to them not so many decades before: art, literature, learning and a new way of life.

The “Apostle of Ireland,” as Patrick is sometimes called, is also associated with the shamrock, a plant sacred to the Druids, to explain the Trinity. Preaching in the open air, Patrick is said to have plucked a shamrock from the grass growing at his feet and showed it to his listeners as an illustration of the Father, Son and Holy Spirit.

So, we should give a bit of honor to Patrick, a Romanized Briton who began his letters, “I, Patrick, a sinner . …” He was a man who trusted God, became a powerful witness for the Lord, and changed the world. He was truly a hero.

About the author: A physicist and writer, John Murphy Ball is a member of Ascension Lutheran Church, Huntsville, Ala. This story appeared originally in the March 1999 Lutheran Witness. LCMS congregations may reprint for parish use. All other rights reserved. Text copyright © 1999 by John Murphy Ball. 

 

30
Jan

Will Filing an Insurance Claim After a Storm Increase Insurance Rates?

damage storm increase insurance rates

Scared that filing an insurance claim after a storm will increase insurance rates? 

You are not alone!  But fortunately, your insurance company is NOT ALLOWED to increase your insurance rates from damage due to storms (or Acts of God).

“But my friend, neighbor, brother-in-law, co-worker, (FILL IN THE BLANK) once told me that filing an insurance claim will make my rates go up.”

Why do most people assume that filing a home insurance claim will increase their rates?

Because we have been conditioned into assuming that a claim, any claim, will cause rates to go up.

Auto insurance has worked this was for so long, we assume all insurance, including home insurance, will operate the same way.

Home insurance does NOT work this way.  

How is home owner insurance different?

The reason behind your claim is the determining factor in whether or not the insurance company can increase your rates (or drop you).

The reason behind a storm claim is very simple – a storm.

Your insurance rates CANNOT be increased due to claim related to a storm.

The answer is simple.  If you have storm damage, make a claim!

Get the money your are owed, WITHOUT the fear of increasing insurance rates.



Want more information?  Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us. 

No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

24
Dec

Merry CHRISTmas! The Reason For The Season

Merry Christmas God Rest Ye Merry Gentlemen RoofBidders

Merry Christmas to all our customers and roofers who make RoofBidders possible!

#ChristTheSaviorIsBorn

 

21
Nov

5 Reasons You MUST Notify Your Insurance Company After A Recent Storm

recent hail storm map texas

Why You Must Notify The Insurance Company After A Recent Wind or Hail Storm?

One of the most frequent questions asked is “Do I need to notify my insurance company?” or similarly, “Do I have to call my insurance company?”

The simple answer is YES.  Call and make an insurance claim.  Not only does it makes sense but you most likely must do it or you breach your insurance contract.

Homeowners often are nervous about making an insurance claim, even after storm damage.  Usually this fear stems from past experiences related to auto insurance.  That being, that rates will increase after a claim.  But property insurance contracts and State insurance laws are different.

Top 5 Reasons To Notify The Insurance Company After A Recent Hail Storm

1. If you have recently received damage you are more than likely REQUIRED to notify the insurance company under your policy.

2. In the future, they can deny a roof replacement claim due to undisclosed and previous damage.

3. There exists a statute of limitations on insurance claims.  Once this run out, the insurance company can deny your request to replace the roof.

4. You are paying for insurance in case of storm damage or similar reasons.  Why would you not use it?

5. Your rates CANNOT be raised for making a claim, whether approved or denied.  Repeat the words: CANNOT be raised.

So in the immortal words of Nike, Just Do It!

Notify the Insurance Company after a recent hail storm by making an insurance claim.  Get the estimated damage and monies available to replace your roof from the insurance company.

Bid out the job to at least seven different companies to find the best contractors at the best price.  Save tons of money. Enjoy your new roof.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

12
Oct

How does RoofBidders offer cashback on a roof?

Cashback on a Roof?How can RoofBidders offer cash back when traditional roofers cannot?

Replacing a roof costs thousands of dollars, which means someone (or multiple someone’s) are PAYING thousands.  However, RoofBidders claims to be able to give cash back.

How does this work?  Is RoofBidders rebating the deductible?

No, we are not rebating the deductible. We are not absorbing the deductible. Nor are we doing anything else  else that is considered a crime or could put a property owner in legal jeopardy.

REMEMBER: Slam the door shut if someone promises to replace your roof without you paying the deductible OR promises to absorb it or give it back. Insurance fraud is a felony.

Honest roofers, such as those who are either BBB or RCAT members, pledge to operate in a manner that keeps everyone away from insurance fraud and out of jail.

How does RoofBidders’ system save money and at the same time create cash back on a roof?

In the past, it was costly, as well as time and labor intensive, to estimate roofing or similar contracting jobs. This is even more so when a contractor is competitively bidding.  The contractor needs to know exactly how much the job will cost to determine a profitable bid.

Our ability to leverage highly sophisticated satellite technology that did not exist several years ago gives us a unique edge.   Couple this with competitive blind bidding and we get massive cost savings which in turn allows us to generate profits and share them with you.

We provide a unique platform for consumers and roofers – one in which both win.  All without anyone stepping foot on the property and most times you get cash back on your roof.

How does saving money for roofers help property owners?

Roofers spend a tremendous amount of money in sales and marketing.  Most roofing contractors send sales teams into neighborhoods to knock doors.  But RoofBidders bring the roof jobs directly to the roofer, saving 20-30% (typical sales commissions run 25%).

With huge cost savings, high quality roofers can afford to lower their prices and competitively bid on jobs.

This is why we save When Roofers Bid, You Win!


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

31
Aug

Can I keep excess proceeds from an insurance claim?

excess money found from insurance

Can I keep excess proceeds from an insurance claim? 

Is it legal? Is it ethical? How much can I make? How to do it? The questions keep coming once someone gets the hint they can “make some money” by putting on a new roof.

Wrong! The focus should be finding the highest quality roofer who can install a quality roof at a competitive price.

Recently we received this comment with two excellent questions. In this blog, we’ll answer #1 and next #2

Love your blog and the info that is provided here. I am a bit concerned with shady tactics #4. You talk about how disreputable companies absorb deductibles and it being illegal, which I understand and agree with. My concern falls under the spreadsheet you post on your site multiple times regarding profit to the owner.  How is it legal and ethical to make me profit from a claim? {emphasis added by RoofBidders}

Isn’t that the same as absorbing deductibles? {emphasis added by RoofBidders} I only ask as I love the idea of this however don’t want to get involved into something that could get me into trouble. Look forward to hearing from you and keep up the good work!!

How is it legal and ethical to make a profit from a claim?

The most accurate answer is: “It is not; intentionally trying to profit from a claim is not legal”.  Yet, the key word is intentional.  Whether or not it is unethical depends on whether the actions are unethical, such as lying or duping the insurance carrier.

Is it legal (or ethical) to keep excess proceeds from an insurance claim?  YES!

When a homeowner uses RoofBidders, we share our profits, so there is not “excess” but we’ll tackle how that works next blog. But it can be legal and ethical to do so.  Here are two examples:

  • EXAMPLE #1: All insurance companies must permit homeowners to pick their own contractor.  Here is a section from my personal homeowner’s policy.  Note the final sentence…“You have the right to have your home repaired by the repair person of your ”

Assume you have a friend in the contracting business who agrees to do the work at cost or even as a favor for you. The insurance company will send the initial check (the actual cash value component).  Your friend (your selected contractor) completes the work for less than the money given to you. You, the homeowner keep the difference.  This is legal.

  • EXAMPLE #2: You do the repairs yourself since you are skilled in the trade.  Again, the insurance company pays the actual cash value, you do the work for less, and again you legally keep the difference.

So is it ethical to profit from an insurance claim?  Not if you are illegally gaining the proceeds.

In the above examples, we were dealing with the Actual Cash Value part of the insurance claim.  Things go awry when the homeowner or roofer fraudulently seek the second component, the replacement value payment (or recoverable depreciation).

  • It is illegal to dupe your insurance company so you can intentionally profit from an insurance claim.
  • It is illegal to lie and claim that a deductible has been paid, when it has not.
  • It is unethical, not to mention illegal, to look the other way and let the roofer handle the lying and duping instead of you doing it directly.
  • It is illegal for the roofer to kickback the deductible and thereby absorb or “pay” the deductible.

Sadly, these are exactly the tricks shady roofing contractors and unknowing or unethical homeowners are pulling.  These roofers are not the type RoofBidders works with or recommends.  More importantly, they are not the type of roofers a homeowner should use.

Would you start a relationship with a lie?

Disreputable roofers lie and cheat their way into people homes.  They convince homeowners that the insurance company does not care, does not know, and that “everyone” does it.

The roofer, as the direct contractor (meaning the one actual doing the work), lies to the insurance company regarding you, the homeowner, paying the deductible.  They submit fraudulent paperwork saying that they collected the deductible, and charged you more than they actually did.

Simultaneously, you lie and commit fraud by signing fraudulent paperwork or intentionally omit the truth.  Both you and the roofer have committed insurance fraud. The felony-type fraud that can send you to jail.

So, how does RoofBidders put money in your pocket?

RoofBidders is a completely new concept leveraging highly sophisticated satellite technology. We can cost effectively do what previously was not only impractical but also very costly. Because of these advancements in technology, we can profitably operate and in turn share our profits.

Stay tuned to Thursday’s blog where we go into exactly how RoofBidders is different and you can save money, maybe put some in your pocket, avoid committing a crime, and stay out of jail!


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

25
Jul

5 Secrets Roofing Storm Chasers Don’t Want You To Know

Sleazy roofing storm chaser

Sleazy Storm Chaser

What sneaky tactics do roofing storm chasers use?

Large-scale storms with wide spread damage attract contractors who know that reputable businesses are overwhelmed.

Roofing storm chasers do what their name describes. Chase storms around the country to hawk their roofing contractor services.  While some companies are legitimate, many of these storm chasers are unscrupulous.

What are these shady tactics?

  1. Prey on the elderly.  Roofing storm chasers amp up their aggressive sales tactics when an elderly person answers the door.  Many elderly tend to be more trustworthy or give people the benefit of the doubt and therefore do not research the roofer. Storm chases will inflate the cost or ask for money on top of the insurance proceeds.
  2. Ask for cash up front. When widespread damage occurs, it might seem reasonable for a contractor to ask for a deposit to reserve their services.  Sadly, the day the homeowner gives the storm chaser $2,000 or more is usually the last day they will see them.
  3. Fake or create damage. Ball-peen hammers. Spoons. Golf balls. Dimes.  The list can go on and one. Roofing storm chasers have a terrible reputation for faking damage.  Creating or “adding” damage where none exists and collecting insurance money can carry criminal and civil penalties.
  4. Paying for the deductible. It sounds so good.  Get insurance money, get roof fixed, and never pay a deductible.  Disreputable roofing storm chasers pay for or absorb the homeowner’s deductible to get the business.  A homeowner is committing insurance fraud if the contractor promises to pay the deductible and does so.
  5. Negotiate for more money. In 44 out of 50 states, roofers cannot legally negotiate an insurance claim without an adjuster’s license.  Contractors can defend their pricing but not negotiate a claim settlement.  If negotiations are necessary, property owners should hire an experienced Avvo-rated attorney since they are paid only a percentage of any new money they negotiate for the homeowner.

REMEMBER:  Only use local roofers with great BBB ratings and outstanding reputations.  Get at least 7 bids from roofers before making a decision.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.