A roof is a major home expense that is well worth. If you have not saved for your larger home improvements check with your bank to see what types of financing they have to offer. That is usually your best option for repayment and rates.
Roofing Insurance claims can sometimes help but can also be complicated. Make sure to check your fine print and contact your agent with questions. Know your policy exclusions. Understand how the roof replacement or repair process works.
After a damaging storm, you need to quickly get back to normal and perform the necessary roofing repairs. That doesn’t mean you should just choose the first contractor who knocks on your door. Find a contractor who is trustworthy, honest, professional, local and has great reviews as well is a member of the BBB with accreditation.
Beware of storm chasing companies that knock on your door offering the world and try to convince you that insurance will pay. While some Insurance companies may pay others will not.
Here are some homeowner tips to help you through the process
Look for a local honest reputable company.
Get local referrals if you can and most defiantly read reviews and ask for references.
Look for manufacturer designations.
Research Better Business Bureau (BBB) ratings as well as reviews.
Get an extensive warranty. Not all contractors can offer manufacturer warranties that include coverage of the contractor’s workmanship.
Be concerned about safety. Do they work safely.
Pay your deductible directly to the Roofer – this is part of your bill. Any contractor who claims
they can handle the replacement or repair without having the homeowner pay their insurance deductible is committing insurance fraud and endangering the homeowner. The insurance deductible is the responsibility of the insured, and the contractor should reflect that in the quote without inflating the estimate to cover all or part of the deductible.
Handle your own claim. A contractor who says they are “a claim specialist” or can “handle your insurance claim” may be breaking the law and giving kickbacks to the insurance company. In most states, it is illegal for contractors to act on behalf of the homeowner when negotiating an insurance claim. Any contractor who opens the door to potential legal action is not acting in your best interest and also jeopardizing you the Customer.
Don’t give in to pressure. Watch out for a contractor who pressures you to sign a contract before the insurance company has estimated the damage. Beware of Roofing contractors that speak negatively about other Roofing Companies during their presentation and sell.
Does the contractor know their product well and stand by their product? Is thIs the Contractor personable and respectful?
Know your material choices and colors. Consider Gutter and Gutter Guard options as well.
What is each contractor offering you. Is the comparison “apples to apples”, “like for like” products.
Don't be fooled by those who say hand nailing is everything. Shingle manufacturers agree both are acceptable ways of installing. Review our blog on hand and gun nailing.
Good Luck in your Contractor Search.