Property Owners

30
Apr

5 Myths About Insurance Claim Disputes

Insurance Claim Dispute Denied

Insurance Claim Denial

There are a lot misconceptions regarding insurance claim disputes.

Most roof replacements leverage insurance.  If you have storm damage, use your insurance!  You have paid premiums all these years, now reap your reward.

Remember an insurance company CANNOT raise rates for making a claim related to an Act of God (weather).

But what happens if your claim is denied?

Should you fight it?  Do you need an attorney?  

We get this question a lot!  But interpreting the state insurance code or your insurance contract is a legal area we do not handle. So, we asked Chip Lane from The Lane Law Firm to pen an article about denied insurance claims.  This article was also posted on The Lane Law Firm Blog.


Have a denied insurance claim but don’t know whether or not to hire an attorney?

Chip Lane, Esq – April 2015

Homeowners and roofing contractors often go it alone or hire a Public Adjuster because they believe one or more myths about how attorneys work and get paid. Unfortunately, these myths cost both homeowners and roofers lots of money.

Don’t fall prey to these 5 Myths About Insurance Claim Disputes and Attorneys:


MYTH #1: There will not be enough money to replace the roof after the attorney is paid.

TRUTH #1: There should be more than enough money to replace the roof.  Property owners, contractors, and public adjusters can only recover the amount of the property damages. By law, attorneys are entitled to their fees and costs, 18% interest, plus other penalties; all of which is paid by the insurance company, in addition to the amount of the property damages, when a denial or partial claim is improper.

MYTH #2: Attorneys demand money upfront.

TRUTH #2: A reputable insurance claim dispute attorney will not ask for money upfront; because they work on contingency and get paid only if they win.

MYTH #3: The insurance policy will be cancelled or the property owner’s rates will be raised if an attorney is hired or files suit.

TRUTH #3: State law forbids insurance companies from raising rates or terminating coverage because of a weather-related claim or if a property owner hires an attorney who sues the insurance company.

MYTH #4: Public adjusters (PA) are better suited to handle insurance disputes than attorneys.

TRUTH #4: Only an attorney can dispute denied claims or handle legal issues such as bad faith, slow payment, mental anguish, loss of income due to time off, or reimbursements. 

MYTH #5: Attorneys get paid on money they did not earn or the homeowner got on their own.

TRUTH #5: Attorneys only gets paid on the “net new” money; in other words only the additional money over and above what the homeowner already has. 


Remember, insurance policies and Texas insurance law provides that the insurance company should pay for the homeowner’s attorney’s fees and costs for a wrongful denial of a claim.

The bottom line is that an experienced insurance claim dispute attorney should get money over and above what the homeowner, roofer, or public adjuster is able to get and better yet, is only paid on net new money.  It is a no lose scenario for property owners and roofing contractors.


Thanks again to Chip Lane.  We hope you never have to deal with an insurance claim dispute but if you do and especially if it denial then take action.

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.

17
Apr

Architectural Shingles or 3-Tab Shingles

Architectural Shingles or 3-Tab Shingles is a question most new roof buyers ask themselves.

But what are Architectural Shingles?  Should you get them for your roof even if you had 3-Tab before?

First, architectural shingles are asphalt shingles just like 3-Tab.  Most of us know what an asphalt shingle looks like, whether we know it or not.  Just look at your roof and more than not you have asphalt shingles; unless you have a specialty roof such as tile or metal.  Second, an asphalt shingle is one of the most widely used roofing covers in North America because most varieties are affordable and straightforward to install. 

Main types of asphalt shingles

The first type of commonly used asphalt single is the “3-Tab”.
Architectural Shingles or 3-Tab Shingles. This is 3-Tab

3-Tab Shingles

As you can see, it is a very straight forward simple shingle.  It is called a 3-Tab because it comes in 3tab sections.  This types of asphalt single is more commonly found on lower value properties but is still very popular.

Why is 3-Tab found more frequently on lower valued properties?

3-Tab is inexpensive compared to most types of roofs and can be installed very quickly.  But all asphalt shingles will protect your home so choosing between the various types is as much about the look and feel as it is the protection and price.   3-Tab shingles used to be the “Go To” shingle but over the last several years architectural shingles have quickly gained traction and are now the “Go To” shingle for most roofers and homeowners.

Architectural or 3-Tab?  Look, warranty, and price are the key drivers for most homeowners.   3-Tab also comes in many colors and has acceptable warranties for most people.

The second most common type of asphalt shingle is the architectural or “dimensional” shingle.
Architectural Shingles or 3-Tab Shingles. This is Architectural

Architectural Shingles

These shingles have more character and customization options than 3-Tab.  As you can see, this type of shingle has dimensions to it and more of a 3-D “custom” look.   These types of shingles are heavier than 3-Tab and have better warranties in many cases.  Also, more and more Property Owner Associations are demanding that roof replacement use architectural style shingles; unless you live in a neighborhood with tile roofs.

Comparison: Architectural or 3-Tab

Both types of these shingles can last for many years but the architectural shingles are thicker and come with a larger variety of warranties. Rarely do you see an architectural or “dimensional” shingle with less than a 20 year warranty.  In fact, some even come with what is being styled a “Lifetime Warranty”.

At the end of the day an architectural shingle is still an asphalt shingle but it looks better, performs better, lasts longer, is heavier, and usually has a much longer warranty.    Just look at these compared side-by-side and you can see that an architectural shingle is more attractive than a 3-Tab.

Architectural or 3-Tab Singles Comparing

Compare the differences.

 


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
Nov

Rats in attic and other nesting nuisances

Rats in attic giant rat

Giant Rat by Randy Parsley

Rats in attic or pesky squirrels running rampant?

Animal roof inhabitants are not pets.  They are a real concern for homeowners.  They damage your roof, and they constitute a health hazard for humans — either through the spread of pathogens or by direct attack.

Giant rats in attic?

While Texas is home to some large critters, the largest rat I have ever seen was posted by Randy Parsley at Rat Control Reviews in Florida.  The photo above is evidence of his find.  But whether you are dealing with small mice or giant rats either kind can be a giant pain.

Beyond rats in attic to other rodents

The most common types of rodents that cause damage to your roof are: Norway rats, roof rats, house mice, squirrels, and raccoons.  With sharp claws and teeth and a love of gnawing, these animals will easily damage your roof and any other part of your attic and roof.   They not only nest in your attic but will creep around and cause damage inside your home as well.  They sneak around looking for tasty morsels and easily accessible water.  Beyond the general damage caused they are distributors of bacteria and viruses, all of which spread disease.

Take control

If your house has rats in attic issues or simply has become a nesting ground for rodents then take action to stop them from spreading.  This means employing a combination of stop gap techniques, permanently plugging entry points, and then removing them.  The Wildlife Center of Texas has some great tips:

Weak spot under eaves and soffits are vulnerable entry points to your attic, and the space under your porch, deck, or house are all ideal places for animals to live and nest as they are protected from the elements and from predators. Products such as HardiePlank can be used to reinforce weak spots on your house. Screens or metal sheeting over holes and dryer vent covers help keep small mammals and nesting birds out. Chimney caps will prevent squirrels and birds from nesting in your chimney.

Confused or want more information?

Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

24
Oct

How do I know when to replace my roof? Danger signs for a roof. – part two

Roof problems that help answer the question, “How do I know when to replace my roof?” part two

Last week we pointed out that the guys over at GAF, who manufacture roofing materials, posted a really good set of photos to help you determine if you have red flags that need to be carefully examined.   They call them Key Danger Signals of a Failing Roof?

Let’s look at the other danger signs that likely point to a roof replacement need.  But remember that not every type of roof damage means you have to replace your roof.  You might be able to patch it and then prepare and plan to have it replaced in the near future.

But be on the lookout for the issues below to help answer the question, “How do I know when to replace my roof?”

Stains on Interior Ceilings and Walls or Mold and Mildew Growth

Possible cause: Leaking water supply or drain line OR inadequate, faulty shingle underlayment which allows leakage.  Mold could also be caused by inadequate ventilation which traps moisture.

 

Stains leading to roof replacement

Stains indicating water penetration

Exterior Decay, Sheathing, and/or Siding

Possible cause: Poor attic ventilation.  If the exterior of your home looks like this picture you have a real problem.  Does this answer the question, “when to replace my roof?”  Not yet.  But you need to figure out what is causing this problem. You might have a leak which is slowly eating away at your sheathing or siding.

 

exterior damage indicating roof replacement need

Siding damage

Missing, Cracked, or Curled Shingles

Possible cause: Shingles have reached the end of their useful life OR a major storm tore up the roof.  Sometimes your shingles have just reached their end of life and you need to replace the roof.  If you have 20 year shingles, have had your roof on for 25 years, and it looks like this photo you can answer the question, “How do I know when to replace my roof?” in by nodding your head repeating after me, “Yes.  I need a roof replacement.”

 


singles destroyed indicating roof replacement  need

Major damage to shingles

 

Dark, “dirty-looking” areas

Possible cause: Loss of granules due to age of shingles.  This one is tough.  Your singles might have simple been worn down over time or you might have mold growing on your roof.  It is important to take a closer look.  Do not jump to roof replacement mode just because you have a few worn shingles.  In this photo, the granules have definitely been worn away.  This is a warning sign that a roof replacement is in your future.  But does this answer the question “when to replace my roof?”  Not exactly but it is a warning sign.  At some point these shingles will fail but you still might have a few years if the rest of the roof is in fair shape.

shingles  missing granules indicating time to replace roof

Shingles with missing granules

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.

16
Oct

Roof Problems. How do I know when to replace my roof?

Roof problems that may help you answer the question, “How do I know when to replace my roof?”

The guys over at GAF who manufacture roofing materials posted a really good set of photos to help you determine if you have red flags that need to be carefully examined.   They call them Key Danger Signals of a Failing Roof?

In a nutshell, your roof is like the skin on your body. It protects everything underneath it from the harmful exterior forces.  Once this protective skin is breached then damage rapidly advances.   Your roof may be failing in some areas and OK in others depending on the type of damage.  For example, did the roof sustain damage ina  specific area due to a tree falling on it?  Or has ice built up each year for the last 20 years and wrecked the overall integrity of the entire roof?

Sometime you can get away with simply patching your roof.   Look for these issues to help answer the question, “How do I know when to replace my roof?”

Inspect your roof and its underbelly and look for these types of issues.

Leakage in Attic After Wind-Driven Rain

Roof replacment issues in the decking

Leak in roof shingle and decking

Possible cause: Leaky or inadequate shingle underlayment or deteriorated flashing

 

Leakage in Attic After Ice Build-Up

Ice damage indicating roof replacement time

Crack in the roof

Possible cause: Inadequate shingle underlayment allows water from ice dams to leak into attic

 

Blistering and/or Peeling of Interior and/or Exterior paint

High heat damage indicating possible roof replacement need

Blistering or Peeling Paint

Possible cause: Excessive temperature or high humidity due to poor attic ventilation

 

In the next post we’ll look at a few more danger signals which can signify roof damage which help you answer the question,”How do I know when to replace my 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.

 

 

 

13
Sep

Is a metal roof right for you? – Part 1

Metal Roof

Metal roofs are tougher than asphalt shingles plus their heat reflective properties give homeowners the benefits of less energy use, reduced long term costs, and lower energy bills.

Often thought to be one of the more expensive roofing covers, metal roofing offers some price benefits that other forms of traditional roofing may not.

  1. The price of petroleum is escalating and inconsistent, making the cost of creating asphalt shingles higher and more unpredictable.
  2. In areas where damaging storms or heavy precipitation is common, insurance companies frequently offer deep discounts for having durable, metal roofing that can better stand up to flying debris such as falling limbs or even large hail.
  3. Resale values for metal roofs which last much longer than asphalt shingles (2x-3x longer), can increase the value of the property.

Want to know how much a metal roof will cost for your home?   e ……..

Still confused or want more information?   Call or email us at RoofBidders.com    We love to provide FREE education to property owners. We will talk with you at no cost.  If you have a specific roof issue and can send us a photo via email, we will do our best to advise you on the specific issue. 

9
Sep

What type of roof is right for me?

What type of roof?

What type of roof do you want or what type is right for you?

Roof shingles have developed quite a bit through the years. There are several types available, and each has its own advantages. This article will outline a few of the most popular types of roof shingles.

Asphalt– Asphalt roof shingles are relatively inexpensive, and are one of the most common types of roofing shingles. They are thin and layered, with the top layer carrying the asphalt material. Although these roof shingles can wear out relatively quickly, if properly cared for, they will last about 20 years.

Wood– Wood roof shingles are more costly than asphalt, but prized for their natural appearance. They are made of hard wood, such as cedar, which can withstand strong sunlight and tolerate humidity quite well. Wood shingles can last for more than 30 years.

Tile– Tile roof shingles are unique in their Southwestern appeal. They are orange-ish in color and much heavier than either asphalt or wood roof shingles. They are among the most expensive roof shingles available, but they can last up to 80 years and are very durable, which means they are less likely to need repair than more common types of roof shingles.

Metal– Metal roofs are made different types of metal.  Over here we go into more depth about metal roofs

Still confused or want more information?   Call or email us at RoofBidders.com    We love to provide FREE education to property owners. We will talk with you at no cost.  If you have a specific roof issue and can send us a photo via email, we will do our best to advise you on the specific issue. 

 

4
Sep

Signs you may need a new Roof

Old Roof

No matter how diligently a homeowner pays attention to their house roof, there will come a time when the roof simply cannot be repaired and instead must be replaced. But how does a homeowner know when to make such a seemingly drastic call about their house roof? Not to worry; there are several telltale signs that the time for a brand new roof has come at last.

Curled and cracked shingles – If your house roof is made of asphalt shingles and it’s been more than 15 years since the roof was replaced, the general rule of thumb advises that you lean towards getting it replaced. By this time, the roof may be showing serious signs of wear. A house roof whose majority of shingles are curled and cracking is one that probably needs replacing.

Stains –  If there are stains on the outer walls of the house, on the rafters, or on the decking underneath the roof’s shingles, that is a major red flag. Staining around the areas of a house roof can be an indication of problems such as wood rot, a buildup of excessive moisture, or a combination of both. These problems tend to be more common in areas that face seasonal storms and humidity, so your house roof can therefore be vulnerable to these elements and eventually need to be replaced.

Excessive sagging – Poor workmanship or an inadequately ventilated roof can lead to a sagging roof. If the house roof is noticeably sagging, and especially if it has been that way for some time, the house is likely to need a replacement roof.

Still confused or want more information?   Call or email us at RoofBidders.com    We love to provide FREE education to property owners. We will talk with you at no cost.  If you have a specific roof issue and can send us a photo via email, we will do our best to advise you on the specific issue. 

2
Sep

Hail Damage – What to Look For!

Hail Storm

After any hail producing storm, it is very important to check your roof to determine whether or not any damage has occurred. Here are a few things to look for:

•    If safe and easy roof access is possible, check the vents as well as shingles for any damage.

•    Inspect all your gutters and rain spouts for damage or any roof debris. If you do find damage to your gutters, usually there is also damage to the roof.

•    Check inside for any damage to your ceilings and attic. Look for any leaks that could be caused by hail damage.

Still confused or want more information?   Call or email us at RoofBidders.com    We love to provide FREE education to property owners. We will talk with you at no cost.  If you have a specific roof issue and can send us a photo via email, we will do our best to advise you on the specific issue. 

30
Aug

When Does an Asphalt Shingle Roof Need Replacement?

Roof-Replacement-in-process

Each roof’s condition is unique, and needs to be carefully looked at in order to determine whether replacement shingles are needed, or if an entirely new roof is needed.

Typically, an asphalt shingle roof will last roughly 20 years unless it was installed improperly, or a severe hail or wind storm damaged the shingles. Each roofing system is unique and should be looked at by a professional.

Still confused or want more information?   Call or email us at RoofBidders.com    We love to provide FREE education to property owners. We will talk with you at no cost.  If you have a specific roof issue and can send us a photo via email, we will do our best to advise you on the specific issue.