State Roofing Company of Texas

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Houston Roofing Scam Awareness

 

Texas State Roofing and Remodeling, not to be confused with State Roofing Company, is in the spotlight for shady business dealings. Houston’s most recent roofing scammers have been taking advantage of homeowners by collecting funds and not following through with job completion. Avoid falling victim to similar situations by remembering these key things:

  • Do your homework. Research the company.
  • Beware of door knockers, reputable companies avoid this type of marketing.
  • NEVER give your contractor full payment before job completion.

 

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Insurance Claim Paperwork: Q&A

For most homeowners, replacing their first roof can be a daunting and confusing process. More times than not, homeowners are coming face-to-face with their insurance policies for the first time when they file their initial claim. Below are some common questions and misconceptions that surround the claims process once your roof has been paid for, as well as some common terms.

 

What does ACV and RCV imply on my insurance estimate?

The insurance settlement and payment is based upon your policy provisions, terms and coverages.

  • The (ACV) represents (Actual Cash Value). Your first insurance check is paid based on the (ACV). This is usually determined by the age of your roof and current worth of your roof today.
  • The (RCV) represents (Recoverable Cash Value). This is the amount paid upon the completion of all repairs. If all repairs are completed, you will be paid the additional RCV.

Once all repairs are completed, there is no out-of-pocket expense incurred by you, except for your insurance deductible

 

Why is my State Roofing estimate different from my insurance estimate?

A difference in price between your contractor’s estimate and your insurance estimate is very common. State Roofing and your insurance company  use similar estimating software to determine the exact cost of repairs. However, due to local price increases, missed items and incorrect measurements you may notice a difference in the price of both estimates.

Having your roof contractor go over your insurance estimate is vital for finding errors on the insurance company’s part

 

Why did the insurance company withhold depreciation?

There are two reasons that the insurance companies hold some money back.

  • The first reason is to make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, many people end up spending it on something else.
  • The second reason is that they wish to make sure that you pay your full deductible. The insurance companies reason that, if you are given all the money to begin with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand. By holding a retainer amount, they can adjust the amount of the final payout based on the roofing contractor’s invoice, thus assuring that the customer does pay the deductible.

 

 How can I avoid paying the deductible?

Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please don’t ask us to do this.

 

 

 

 

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Roof of the week – Houston

Our roof of the week is a beautiful home in Houston, TX

State Roofing Company installed GAF Timberline HD Weathered Wood. Included is a GAF Pro Start Starter, StormGuard, Z-Ridge High Profile Ridge Cap and a 10 year silver pledge warranty.

 

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What Tropical Storms Do to Your Roof

The roof helps to keep the home safe from wind, rain, hail and other types of inclement weather. Many roofs, however, are not rated to outlast intense tropical storms or even hurricanes. A hurricane or tropical storm can still cause a good deal of damage, even with roofs that are rated to withstand high winds. If the wind uplift is strong enough, the pressure may be enough to cause the roof materials to break apart. Shingles can be torn or lost, and the hail could have caused bruises and dents in the structure. Flashing can be stripped away along with gutters and other key elements of the house. At State Roofing, we know what roof damage looks like, and we know what causes it—extreme weather being the main culprit.  Hurricane season is among us, if your roof takes a beating from wind, hail or weather of any kind, contact us for a free inspection.

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Roofing Contractor Red Flags

 

With recent Texas weather wreaking havoc on your roofing system, it’s important to be proactive when it comes to roof repairs. Identifying potential problems early means less complicated and less expensive damage. Finding a certified and trustworthy  roofing specialists is the first step and the Better Business Bureau has a few tips to help you:

  • Do your homework. Check with the BBB before choosing  a contractor at BBBHouston.org.
  • Ask questions. Find out how long the company has been in business. Never pay in full up front.
  • Beware of red flags. High-pressure sales tactics and low estimates can balloon over time and foreshadow shoddy work.

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Shingle Installation: Hand Nailing vs. Nail Gun

 

 

Improperly nailed roofs can be more susceptible to leaks and damage from storms. Ideal nail placement on roof shingles is limited to a very small area. If the nail is driven outside that area, it could impair the roof and void the manufacturer’s warranty. Contractors who hand nail can feel whether or not the nail catches the wood, but don’t get that same feeling with a nail gun. Hand nailing also ensures accurate placement of nail on designated nail line. Nail guns can drive nails between boards or outside the ideal placement area which will loosen over time, eventually causing raised shingles or leakage.