The Official Blog of State Roofing Company
Make sure you are getting fair and responsible pricing. As we all know, there is always someone who will do it cheaper. State Roofing does continuous cost information sharing with the insurance companies and is always aware of current pricing. Insurance companies do continuous research in the ever-changing costs for repair and replacement in order to pay the lowest and fairest cost to their insured. The insurance company expects you to use a professional quality contractor that can do replacement work in a timely manner, pay all bills promptly to avoid material and mechanic liens, provide quality communication and service during the process, and ultimately warrant all work. Insurance proceeds typically provide sufficient compensation for a professionally managed contractor to provide proper service to its clients.
As the relentless heat of summer fades and cooler temperatures roll in, it is the perfect time to do routine maintenance to your roof. After all, winter will be here before you know it! Here are a few tips that will assure your roof is in perfect shape for the winter:
Inspect: Take a look at your roof’s current state and make note of any cracking shingles or broken roof tiles. Be sure to contact Sate Roofing Company to take a closer look and perform a thorough inspection.
Trim: During the fall trees not only begin to shed their leaves but also shed limbs, branches, and twigs. When the weather turns colder and high winds affect your area, any overhanging limbs and branches can become dislodged and land directly on your roof. By having them removed, future damage and accidents can be prevented
Clean: As the trees begin to shed their leaves cleaning your gutters becomes essential. This includes the removal of any existing twigs, dirt, and other debris that may have built up since your last cleaning. Make sure all drainage areas are unblocked by leaves and debris. Do not try to remove excessive debris with a water hose as it may cause downspouts to clog and the affect the gutter system.
State Roofing Company installs another GAF Roof System with a Silver Pledge Warranty. This HAND NAILED roof system in Cinco Ranch consists of GAF Timberline HD Lifetime Shingles in Charcoal, Pro-Start starter strip, Z-Ridge Ridge Cap Shingle and Stormguard. The old roof system was damaged from the recent hail storm. It was paid for by the homeowners insurance carrier.
State Roofing Company installs another GAF Roof System with a Silver Pledge Warranty. This HAND NAILED roof system consists of GAF Timberline HD Lifetime Shingles in Charcoal, Pro-Start starter strip, Continuous Rige Vent, and Stormguard. The old roof system was damaged from the recent hail storm. It was paid for by the homeowners insurance carrier.
-Remove excess heat and moister to protect your roof from premature deterioration
-Prevent roof rot in your attic or roof deck
-Minimize peeling and extend the life of exterior and interior paint
-Limit the growth of harmful mold
-Safeguard your attic possessions against mildew damage
-Guard against ice damming in harsh winter climates
-Possibly reduce excessive heating and air conditioning costs.
Since 1989, waiving insurance policy deductibles has been common place in Texas (and came about as the result of a poorly worded statute passed that same year). Contractors who have broken the 1989 law by waving deductibles (specifically roofing contractors) have been putting homeowners at risk, too. Homeowners are lured into signing contracts with these “deductible eaters” based on promises of a “free roof” or “lower deductible”. And then, homeowners/policyholders are duped into committing insurance fraud when in submitting a request pursuant to their policy for replacement cost (RCV) hold-back, they failed to tell their insurance company that the deductible part of the claim had not been incurred.
In May 2019, the 86th Texas Legislature passed two bills pertaining to the roofing industry. HB 2102 – Prohibition Against Waiving of Deductibles is extremely important to read and understand for contractors and homeowners alike.
SECTION 2. Section 27.02, Business & Commerce Code:
|(b) “Texas law requires a person insured under a property|
|insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of Texas law for a seller of goods or services who reasonably expects to be paid wholly or partly from the proceeds of a property insurance claim to knowingly allow the insured person to fail to pay, or assist the insured person’s failure to pay, the applicable insurance deductible.”|
(d) An offense under this section is a Class B misdemeanor.
This Act will take effect September 1, 2019.
It is extremely important to be educated on the matter so that you do not find yourself in trouble due to misinformation. If your contractor does not have Section 2 of this bill in the contract, BEWARE.