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1. DAMAGE? Has your property been damaged by hail, wind, lightning, water, fire or other acts of God/nature?

2. VERIFY DAMAGE Call a professional RCAT roofing contractor in your area with longtime experience and references, certified in the field of restoration and/or roofing code and technology, to perform a professional evaluation to identify any damage your property may have suffered. The contractor should take pictures and document the damage for proof.

3. CLAIM INITIATION Generally speaking, the property owner places a claim by phone with their insurance agent and sends a certified letter on the same day for verification. The insurance agent then turns in the claim and the insurance carrier assigns it to an adjustor for review and a coverage determination. The owner, when contacted, may want to request a meeting at the property with all parties (owner, adjuster, and contractor) in attendance to discuss the scope of damage and needed repairs. In the case of potential hail damage, metal vents, edging, fascia, gutters, siding, screens, windows, etc., should also be evaluated to help determine the extent of damage (or no damage) to these items. This is where an experienced contractor, with the right tools and know-how, can assist the property owner to objectively identify the scope of damage the property has suffered.

4. SCOPE OF DAMAGE Insurance property contracts often use these specific words for guidance in settling the claim: "REPAIR OR REPLACE WITH LIKE KIND AND QUALITY". Like kind generally means the property owner is paid the amount the adjustor believes will provide the owner with the same kind of materials that were damaged, and nothing else! You as the property owner may or may not choose the same product or item after the claim, in which case you will be responsible for any difference in price.

5. SCOPE OF PRICING Pricing methods can vary greatly, however, for more common types of damage, XACTIMATE has become widely used and is generally accepted by insurance companies for claim valuation. With XACTIMATE software, each item of repair is identified and costed out based on the area or region where the property is located.

6. CLOSING A CLAIM If the owner and adjustor are able to agree on a scope of work, the claim is paid and the work can begin.

7. CLAIM DISPUTES If a claim cannot be settled, then the next step is for the owner to retain the services of a Public Insurance Adjustor or attorney to work on the owner’s behalf in settlement of the claim. This process may or may not require the owner’s advocate to initiate the formal appraisal process, mediation, litigation or arbitration. Each option brings with it its own risks, which you should discuss with your legal counsel or Public Insurance Adjustor.

8. VARIANCES There are several types of policies, which for general informational purposes only, are described below. For each example, an explanation of how depreciation is handled is provided. For specific information on the terms of your policy and their legal effect, consult an attorney.

A. DEPRECIATION POLICIES - If 1⁄2 of the useful life of the items have been used up, the claim depreciation will be paid by half.


Example. $20,000 claim -10,000 (1/2 depreciated) -1,000 (deductible) $ 9,000 (amount that will be paid) Nothing held.

B. REPLACEMENT COSTS POLICIES Example: $20,000 claim -10,000 (1/2 depreciated) 1,000 (paid) $ 9,000 (first check)

HELPFUL TIPS FOR PROPERTY OWNERS After the work is completed and an invoice is provided by the contractor, the second payment is made for the depreciated part, which is $10,000. Add that to the $9,000 and the total paid is $19,000. Remember to check to see if you have a $20,000 claim amount by XACTIMATE. Less $1,000 (deductible) $9,000 (paid on first check) If you get the work done for $5.000 (invoice) (Second check, not $9,000) Total received for claim $14,000 (Not $19,000) YOU GET LESS! Insurance companies do (and should) vigorously prosecute both contractors and owners for claims fraud and misrepresentation, which can result in fines and possible jail time. Owners should be aware that some contractors encourage practices such as double billing. Take care not to be drawn into this and other improper practices. Honest people want to deal with honest people.

9. CODE UPGRADE The Texas Energy Act specifically establishes the minimal insulation on roof systems. While many policies may pay for code upgrades in the end, the owner is ultimately responsible for this compliance. Be sure you are working with a knowledgeable contractor who understands the complex process required to achieve compliance.

10. INDUSTRY GUIDELINES The SMACNA Architectural Sheet Metal Manual addresses industry guidelines of all sheet metal required and its proper Code application. Both, The National Roofing Contractors Association (NRCA) and The Asphalt Manufacturing Association (ARMA) provide industry approved guidelines for Low Slope and Steep Slope roofing installation.

11. MANUFACTURER COMPLIANCE The next step is to ensure that all work is not only being performed in strict compliance with all applicable Codes, but is also being performed in strict compliance with the manufacturer’s requirements. Due to the complexity of today’s construction, the owner and contractor can be faced with a multitude of options. Here is where an experienced contractor is also invaluable in assisting the owner with making the best selection for the owner’s specific needs.

12. WARRANTIES The warranties offered by today’s roofing contractors and product manufactures vary greatly. Be sure to get the warranty(s) in writing, ask questions and understand fully what is covered. Do business with a LOCAL roofing company if obtaining a warranty for labor/installation to ensure you can get a warranty obligation fulfilled if it becomes necessary. Also check with the product manufacturer to see if the contractor is authorized and/or certified to install under their warranty plan.


Source: https://www.roofingcontractors-texas.com/consumers.html

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LICENSED ROOFING CONTRACTOR PROGRAM

The "License" referenced below is provided through and fully managed by the Roofing Contractors Association of Texas.

​The state of Texas has NO guidelines, licensing, registration or insurance coverage requirements for roofing contractors. Property owner MUST protect themselves and their investment. Please do your homework before you hire a Texas roofing contractor!


Whether you are building a new home, replacing roof because of hail and storm damage, maintaining the roof of a commercial facility, or responsible for construction of all the new buildings for the local school district, you want a roofing contractor who will do the job right the first time. RCAT can provide valuable information that can improve the quality of your final project.


INTRODUCTION: The Texas Department of Licensing & Regulation does NOT currently administer licensure for roofing contractors. Anyone can call themselves a roofer in Texas and they are not required to be knowledgeable, insured, licensed, or even registered with the state. Roofing is a highly skilled trade and the roof is structurally the most important component protecting the contents and integrity of the home or business! Texas residents deserve a higher standard so the RCAT Licensed Roofing Contractor program was developed to increase consumer protection and secure public confidence in the roofing industry by elevating the roofing contractor’s knowledge and professionalism through voluntary self-regulation. ​WHO IS TO BE LICENSED: Individuals are to be licensed, not companies, however the license holder must own, operate or manage a qualifying roofing company to participate in the program. That company may then market themselves as "licensed." Licensing is available for both Residential and Commercial Roofing Contractors; a Contractor can choose to apply for licensing in one or both categories. Licensing is open to all Roofing Contractors in Texas who meet the qualifications required on the application.


SOURCE: https://www.roofingcontractors-texas.com/licensing.html


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The National Roofing Contractors Association (NRCA) recommends you inspect your roof regularly two times a year during the spring and fall.


Top Roofing Tips to Remember


1. Homebuyer’s beware. A great time to start with any roof assessment is before your closing date. Getting a professional roof inspection before that future home is officially yours will save you a lot of time and costly repairs down the road, which can also be a plus if and when you decide to sell your new home.


2. Trim troublesome trees. When admiring your home and surrounding landscape, it’s important not to overlook leaning branches seeking companionship with your roof as they can scratch and gouge your roof materials. To prevent damaging or puncturing your shingles, simply trim back and remove any branches getting too close to your roof.


3. Clean the leaves and other debris. In addition to bothersome branches, leaves and other elements can clog your gutter system and cause water to backup into the attic, living areas or behind the fascia boards. To ensure your drainage system is free flowing, it’s recommended that you clean your roof at least twice per year. Also, be on the lookout for sagging gutters or damaged drain components and repair or replace as needed.


4. Ensure the roof is built to breathe. Without proper ventilation, heat and moisture can cause sheathing and rafting to rot, roof materials to buckle and insulation to lose effectiveness. This will cause your overall roofing system to be ineffective.


5. Include insulation. The best way to achieve appropriate ventilation and good airflow is through proper insulation. To protect a house from heat gain or loss, it’s ideal to include a gap-free layer of insulation on the attic floor and a vapor retarder under the insulation next to the ceiling to stop moisture from rising into the attic. Having open, vented spaces that allow air to pass freely with at least one inch between the insulation and roof sheathing is also ideal.


6. Check for attic aftermath. In addition to having a well insulated attic, it’s a good idea to check for water stains and weak shingles after a heavy storm.


7. Safeguard against streaking. Make sure to pay close attention to the color of your roof. Roof areas, generally the northern part, exposed to shade during long periods of time in humidity will eventually become streaked with mold, algae or even fungus. And if left unchecked, will eventually deteriorate the roofing material shortening the life of the roof, which could lead to leaks and other signs of trouble.

To cut the mold situation completely, it’s a great idea to install zinc strips, like Shingle Shield Roof Protector strips, along the ridge of the roof. They are precision engineered to provide environmentally safe (EPA approved), long-term (average home 20 years) roof protection from fungus, moss, mildew or algae attack.


8. Check for signs of shingle damage. Being exposed to everyday wear and tear from various elements can cause shingles to become dilapidated and get torn off, making a roof structure and interior space vulnerable to water seepage and rot. Thus, it’s highly advisable for homeowners to examine roof coverings each year to ensure their integrity.


9. DIY roof repairers. Those bold enough to attempt roof repairs themselves need to bear in mind that it’s dangerous up there. It’s advisable to stay on a firmly braced ladder equipped with rubber safety feet when possible. If you do decide to walk on the roof, it’s best to wear rubber-soled shoes to prevent slipping.


10. Quality roofing quotes. When repairs go beyond a DIY project, you should make sure to do some homework before calling in the cavalry. It’s advisable to get at least two quotes so you can determine the best combination of quality and price. Think long-term and not cheap when choosing a roofing company and it’ll save you a lot of repair costs down the road.


Bottom line: It’s important to remember the roofline. Taking a top-down approach with yearly inspections and utilizing these quick tips and tricks will help preserve and protect your interior living space for many years to come.


SOURCE:https://www.greatdayimprovements.com

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1609 W Hebron Pkwy, Suite 120

Carrollton, TX 75010

info@homeovercontractors.com

Hours: Monday-Friday 9am-5pm

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