Archive for August, 2010

Hail Ratings & Your Roof

August 31, 2010

Hail Proof Roof?

No roofing material is fully hail proof.  If anyone saw or was involved in the hailstorms that went through Minnesota this summer, you know what we’re talking about.  There are hail-RESISTANT roofs.  These products have Class 1 through Class 4 hail-resistance ratings, 4 being the highest.  The ratings are given by taking a steel ball and dropping it from a pre-determined height and measuring the damage the roof has sustained.  The American Society of Testing and Materials (ASTM) perform the tests.

Many roofs carry this rating.  For steep slope, these roofs include some metal roofs, some tile and some composition shingles.  For flat roofs, these are some gravel-surfaced built-up, and some spray foam (with the right coating system), and just a few others.

Installing a Class IV hail resistant roof may qualify you for lower insurance premiums, depending on where you live.  Call your agent for verification.  Keep this in mind, too, not many agents and adjusters will know the specifics about hail resistant roofs. Consult a good roofing contractor.

Also, for specific warranty information, ask your roofing contractor to provide a sample warranty of the materials he installs.

Storm Damage and Your Roof

August 26, 2010

By summer time we are well into the storm season.  Hail, heavy rain, high winds and tornadoes are all common this time of year.

Damage from these weather phenomena can of course be obvious.  Most know that if they have been hit by a tornado or if they have leaks after a severe storm.  You call the insurance company and your roofing professional and start the repair or rebuilding process.

But sometimes your property goes through a severe storm with no apparent damage.  Don’t be so sure.  Hail, high winds and even tornadoes can do serious damage that may not be noticed for quite some time.

First, let’s talk about hail.  Even moderate hail can do damage to some single-ply and older built-up roofs.
PVC membranes may suffer tiny shatter areas that may no leak for quite some time.  The normal expansion and contraction of the membrane will eventually open these cracks enough to permit the entry of water into the system.
Some hail can also damage the fins on condensing units and rooftop equipment, if it is driven by high wind.
Large hail can cause immediate leakage, but no always.  Membranes that are resistant to hail can be damaged, yet exhibit no symptoms for one to two weathering cycles.  For instance, EPDM (rubber roofing) can be damaged by large hail but will not exhibit problems for while.  Small gull-wing cuts can start to appear long after hail hits.

Shingle roofs will suffer granule loss that will expose the underlying reinforcement and asphalt to UV degradation that will dramatically shorten the life of the roof.  The same is true for granule-surfaced modified bitumen roofing and fiberglass cap sheets.  Gravel-surfaced built-up roofs may have some of the gravel driven into the top plies which can allow moisture penetration that makes the membrane slowly deteriorate.

High winds and even tornadoes can also do phantom damage that is not immediately obvious. High winds are amplified by all roof structures.  Parapets, large open doors and varying slopes increase the speed and pressure that high winds exert.  Bear in mind that wind does not slow down as it climbs the side of a building and crosses the roof – it in fact speeds up.  Various irregular shapes on and around the roof and even the building structure itself produces lift, just like an aircraft’s wing.  This lift may partially or even totally destroy the attachment of your roof to the substrate.  Even though this attachment may be lost, the roof may look just fine as if it was lifted and laid back down in place.  However, the next high wind can have catastrophic results as it does not have to overcome the attachment as the first wind did.  This can be true of all membranes, as well as composition shingles.

Even if your roof shows no apparent damage after a severe storm, contact your insurance company right away and call your roofing professional to inspect your roof for damage. Some tests may need to be performed to determine the extent of the damage, but the expense is well worth it because you may face much more extensive damage if you do nothing.  Plus it always helps to have as much evidence as possible when dealing with an insurance adjustor.
Call a roofing professional if your building is hit by damaging storms, even if damage is not apparent to you.  You will avoid frustration with your insurance company if problems are detected immediately, as well as headaches caused by leaks that could result from undiagnosed roof system damage.

An even better idea is to call today and establish a roofing maintenance agreement that will provide inspections and maintenance at a fixed annual fee.  Such an agreement can help you avoid unexpected expenses and keep your roofing system functioning within your budget.

Acting immediately after the emergency can save time and dollars in the restoration work.  Contact a hail damage expert that has experience in storm damage. Someone that can help you with the  disaster restoration process.

Source: Midwest Roofing Contractors Association

About Shingle Warranties

August 24, 2010

Choose The Right Shingle Warranty

Shingle manufacturers provide product warranties against manufacturing defects ranging from twenty (20) to forty (50) years and beyond.  The warranties will cover defects such as thermal splitting, some cases of granule loss, cupping, and curling.  It is very important that you ask for and receive a copy of the manufacturer’s written material warranty before making a decision on whose material you’d like to use.  Warranties are generally for materials only.  Labor is rarely included so if your roof materials fail, you’ll have to pay a roofer to install the new shingles.

Warranties rarely, if ever, cover what are known as “incidental and consequential” damages resulting from material failure.  “Incidental and consequential” damages are those that occur to the interior of the building.  If anything on the inside of the building gets damaged, you or your insurance company will have to pay for it.  Warranties are also commonly prorated and non-transferable.  This means that if you have twenty year shingles and they fail after ten years, you’ll be reimbursed for half the cost of the materials.  Non-transferable means that if you sell your house, the warranty will be voided.

Some shingle manufacturers are offering NDL (No Dollar Limit) warranties for added costs of around 4.5 cents to 6.5 cents per square foot.  These warranties may or may not cover all damages and labor costs.

Shingle manufacturers will not warrant their products against “Acts of God or Nature” such as hurricanes, hail storms, severe winds usually in excess of 50 mph, tornadoes, earthquakes, etc. Nor will shingle manufacturers honor their material warranty if the products are improperly installed, if there is improper roof ventilation, if there is equipment installation or structural changes after roof completion, or if there is heavy foot traffic on or over the roof.

For specific warranty information, ask your roofing contractor to provide a sample warranty of the materials he installs.

Storm Damage Repair For Minnesota Homeowners

August 19, 2010

Storm Damage Restoration For Minnesota Homeowners

After the storms that have passed through Minnesota this year, many homes have been left with significant property damage that is difficult for homeowners to discover or evaluate.

Professional Storm Damage Repair Contractors use the cutting edge software of Xactimate.  Insurance companies across the country recalculate the pricing for Storm Damage Restoration repairs on a quarterly basis.  The best way to stay up to speed with the constant changing in pricing is to be working on the same platform as the Insurance companies.  This is done with a software program called Xactimate.

This can make the process of working with your insurance adjusters hassle free by working with them directly for you with Xactimate, the industry standard software for Insurance Companies/Adjusters.

A Minnesota roofing contractor that is knowledgeable in storm restoration can assist you with the Insurance claim process including:

* Initiate claim
* Claim paper work
* Detailed estimate
* Meet with adjuster
* Negotiate the scope and cost of repairs with insurance company
* Arrange proper payment from insurance company to property owner

A Minnesota roofing contractor can assist you in filing your claim and work directly with your insurance company to help you through a very trying time.  Working on the same platform as the Insurance Adjusters allows storm damage repair contractors to work efficiently with the Insurance companies ensuring you, the homeowner, are receiving the proper funds for your restoration project.

When storms have damaged your property, find a Rapid Response Team that can be dispatched at a moments notice.

Roof Repair, Roof Restoration or Roof Replacement?

August 17, 2010

Commercial Roofing Options

Commercial roofing is not easy to understand so to assist you in better understanding the low slope roofing options available to you, we have provided a standard list of roofing options for your review.

Repair Your Roof

Advantages:
Don’t procrastinate . . . Repair damage immediately so it doesn’t become a bigger problem later.

  • Always use the right materials recommended by a professional roofing contractor . . . this will insure proper performance and longevity of the repairs.
  • Use a professional roofing contractor, they know what to do – your plumber or lawn care technician doesn’t.
  • Proper and timely maintenance and repairs helps your roof perform to the manufacturers expectations.

Shortcomings:

  • Repairs can only extend the life of a roof so far.
  • Left in disrepair your roof life will diminish greatly.

Restore Your Roof

Advantages:

  • Budget friendly . . . restoring your roof can save up to half the cost of a new roof.
  • Extends the life of your roof . . . can add up to 15 years to the life of your existing roof
  • Extends the life of your roof . . . can add up to 15 years to the life of your existing roof
  • Minimal Disruption . . . installs significantly faster and with considerable less mess than a conventional new roof

Shortcomings:

  • Biggest budget impact . . . can be twice as much as a roof restoration.
  • Longest installation time and bigger impact to serviced area.
  • Moderate-to-Severe Disruption and inconvenience for occupants

Replace Your Roof

Advantages:

  • Best Long-Term Option . . . systems can often last up to 20 years or more.
  • Your Peace-of-Mind . . . our manufacturers’ can offer a no-dollar-limit guaranteed available up to 20 years.
  • Fewer installation worries . . . starting from scratch with less work-a-rounds than you’d find in a roof restoration.

Shortcomings:

  • Biggest budget impact . . . can be twice as much as a roof restoration.
  • Longest installation time and bigger impact to serviced area.
  • Moderate-to-Severe Disruption and inconvenience for occupants

Contact a qualified commercial roofing contractor to help you decide which roofing option will be the best solution for your property.

Filing An Insurance Claim For Your Roofing Project In Minnesota

August 12, 2010

Storm Damage Repair MN

Property owners with storm damage every year learn that it is never a good idea to allow insurance adjusters to inspect your property for damage without an experienced storm damage insurance recovery and restoration specialist present during the inspection.  With an experienced team of hail storm damage restoration experts on your side, you can be sure they know how to identify the damage and make sure to get you paid.  If you have already filed a claim but an adjuster has not yet inspected your property — call an expert right now so that they can be there when your property is inspected.  If an adjuster has already inspected your property, they will review your insurance company’s findings to make sure that you will be paid for all incurred damages.

Maximize Your Insurance Claim For Roof Storm Damage

August 10, 2010

Dealing With Your Insurance Company After Storm Damage

Insurance companies know that property owners who experience hail storm damage are anxious to file their insurance claim.  They will often try to rush your claim through the system in the hopes that you will accept their findings at face value.  This costs property owners like you millions of dollars each year in underpaid or denied claims for legitimate hail damages.

Filing Your Insurance Claim

If you have not yet filed a claim, do so immediately.  There is a limited time in which to file your storm damage claim. When a claim is filed, make sure a MN hail damage and Insurance Claim Negotiation Expert is present to protect your interests when the insurance adjuster inspects your property.

Was Your Home Damaged In Any Of The Recent Hailstorms?

August 3, 2010

Hail Damage Minnesota

Hail storms have hit again and have caused significant damage to thousands of homes.

Living in Minnesota, we are all familiar with the extreme weather our beloved state can create.  Every year we experience a wide range of temperatures, weather conditions and of course POWERFUL thunderstorms and severe storms of all varieties.  The punishing storms that can leave the exterior of your home damaged are Hail Storms and Wind Storms. This results in red tape and paperwork from the insurance companies.

The Following Cities Experienced Hail and Wind Damage in the July 17th Storms.

  • Mound, Minnistrista, St. Bonifacius, Watertown, Cold Spring, St Martin, Kimball, Nicholas, Buffalo, Annandale, Staples, Little Falls, Winona, Hokah, Motley, Wadena, Kingston

The Cities Below Experienced Hail Damage in Excess of 1 Inch Along with Wind Damage in the June 25th Storms.

  • Golden Valley, Cottage Grove, Plymouth, St Paul, South St Paul, West St Paul, Inver Grove Heights.

The following cities in Minnesota experienced hail in excess of 1 Inch along with wind damage in the June 17th Storm 2010.  Get expert help with your hail damage claim from a MN hail damage and Insurance Claim Negotiation Expert.

  • Hackensack, Bemidji, Millerville, St. James, Bena, Gibbon, Blue Earth, South Haven, Winstead, St Augusta, Clear Lake, Medellia, East Grand Forks, St Cloud, Montecello, St Peter, Elk River, Buffalo, Pemberton, Rush City, Swatara, Mankato, Lake Crystal, Palmer Township

If your home is located in an area that was hit this year by hail, call a reliable storm damage expert to get a free damage analysis to see if your roof qualifies for a possible full roof replacement. Time is not on your side however so call right away to have roofing expert look at your roofs condition.  Get help Filing an Insurance Claim for your Roofing Project today!