Yes. Your roof and home are arguably the most important investments you’ll ever make. We thoroughly review or findings and prefer you are there to discuss and ask any questions and provide real-time assessments.
Why? Why would they tell you to do that? You’re doing their job for them. In most cases, insurance carriers ask you to get three bids and in return they’ll choose the lowest one. The only requirement for you during the whole process is to choose a contractor you know and trust and their bid is the only one that matters.
In 99.9% of claims, the insurance carrier estimate is always lower than your contractors. Your contractor understands roof components and local building codes that may be omitted from your insurance claim.
For insurance claims, when carriers and contractors disagree, an appraisal may be needed for the two sides to come to an understanding. Much like when you bought your home and you get an appraisal on the value of your property; insurance claims have an appraisal process to determine the value of the damages to your home.
A typical asphalt roof replacement can take anywhere from 1-2 days to complete, depending on the weather. Larger or specialty roofs, such as concrete tile and standing seam, can take much longer because they are special order and more delicate of an installation process.
Ice and water shield protects your roof and home from ice damming and creates a barrier to prevent water leakage into your home due to radiating internal heat and frozen snow along the eave of your roof. See diagram.
Ice and water is not required in every jurisdiction in Colorado; however, we believe it is always in your best interest to improve the quality of your roof as much as you can when given the opportunity. With Colorado’s crazy weather and the amount of snow we get on a year to year basis, it is better to have and not need then need and not have for the minimal cost associated with peace of mind.
No. See below from Colorado Bill CRS 6-22-105 (2012). Waiver of insurance deductible prohibited.
A Roofing Contractor that performs roofing work, the payment for which will be made from the proceeds of a Property and Casualty Insurance Policy, shall not advertise or promise to pay, waive or rebate all or part of any insurance deductible applicable to the claim for payment for roofing and repair work on the covered residential property. If a Roofing Contractor violates subsection (1) of this section:
The insurer to whom the property owner submitted the claim for payment for the roofing work is not obligated to consider the estimate of costs for the roofing work prepared by the roofing contractor; and b. The property owner whose residential property is insured under the Property and Casualty Insurance Policy or the insurer that issued the policy may bring an action against the roofing contractor in a court of competent jurisdiction to recover damages sustained by the property owner or insurer as consequence of the violation.
Penalties for violation:
Paying, waiving, or rebating a property owner’s insurance deductible is a Class 2 Misdemeanor.
Unfortunately, this is not the case. However, IT CAN BE. Being proactive with a roof maintenance schedule will put you in a great spot in terms of saving lots of money on pricey repairs and/or a full replacement. Incorporating a simple maintenance schedule can decrease the cost of ownership by tens of thousands of dollars and get you more bang for your buck over the life of your roof.
Some manufacturers recommend inspecting the roof for issues twice a year (spring and fall); however, we feel if your roof is inspected in detail one time a year, then you’ll be ahead of the curve. Most people consider their roof to be an afterthought until they see an issue from the inside out. At this point, it is already too late. Well documented photos, a maintenance log, and repair receipts can go a long way with an insurance carrier and this information provides proof that you are actively maintaining your roof’s condition. Plus, you protect your investment and the health and safety of your community!