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The Truth About Deductibles

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At this time in the state of Texas, it is not illegal to waive an insurance deductible per opinion written many years ago by Jim Mattox, the Attorney State General of Texas. However it is illegal to submit fraudulent documents to recover the depreciation.

There is a bill going through legislation in Austin at this session that will be  =discussing deductibles and the obligation of property owners to pay. The bill requires contractors to have this verbiage in their contracts or they will be conducting business illegally. Information concerning this can be found at roofingcontractors-texas.com

Your insurance Loss Statement may contain the following verbiage concerning recovering depreciation. “ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR THE PAYMENT OF A LOSS IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN STATE PRISON” TX ARTICLE 3.97-2

OR

Your additional claim of $___, based on the attached LOSS RECAP report should include submission of the amount actually and necessarily spent to repair or replace the damaged property, including 1) paid bills; 2) receipts; and/or 3) cancelled checks. This documentation should include evidence that you incurred your policy deductible.

Spring Home Maintenance

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Maintaining your home can save you a lot of money in the long run. There are several things you can do yourself, without hiring a professional, to maintain your home. These things should be on your Spring checklist:

  • Clean your gutters
  • Replace HVAC filters
  • Clean your dry vent
  • Replace the batteries in smoke detectors
  • Examine seals around window
  • Drain your water heater
  • Schedule a roof inspection

Your roof is your biggest protector against water damage. Contact our office today for a FREE, no obligation consultation.

What’s on your roof?

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There is more to a home’s roof that meets the eye.

Whether you need a roof repair or a new roof, it’s helpful to understand the basic roofing components and materials.

 

Chimney – a pipe through which smoke or gas goes up into the air, usually through the roof of a building.

Gutter – shallow troughs fixed beneath the edge of a roof, with the sole purpose of carrying off rainwater.

Valley – a hollow resembling or suggesting a valley, as the point at which the two slopes of a roof meet

Chimney Cap – a cap or cover for a chimney; they help keep animals and rainwater out, block downdrafts, block debris and help stop sparks and embers

Vent Stack – an opening designed to convey air, heat, water vapor or other gas from inside a building or a building component to the atmosphere.

Attic Vent – part of an attic ventilation system that replenishes fresh air through the attic space.

Ridge Cap/Vent – a ridge cap is a material or covering applied over the ridge of a roof; a ridge vent is a ventilator located at the ridge that allows the escape of warm and/or moist air from the attic area or rafter cavity.

Fascia – a board that is nailed to the ends of a roof rafter; sometimes supports a gutter.

Soffit – the exposed undersurface of any exterior overhanging section of a roof eave; soffit vents (an air inlet source as part of attic ventilation) are often installed in soffits.

Counter Flashing – flashing is used to weatherproof or seal roof system edges at perimeters, penetrations, walls, expansion joints, valleys, drains and other places where the roof covering is interrupted or terminated. Counter flashing is a strip of sheet metal in the form of an inverted L built into a vertical wall of masonry and bent down over the flashing to make it watertight.

Hip Ridge – a material or covering applied over the ridge of a hip roof

 

 

 

 

Storms Can Bring Unreliable Contractors

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Reduce the chance of problems by choosing repair contractors carefully

 

 

It’s not unusual after a big storm  for unreliable contractors  to target consumers who need repairs. Here are some things to consider when choosing a contractor:

  • Get more than one bid to compare materials, service and guarantee
  • Research and know the company you are dealing with
  • Be on alert for contractors who pour in after a storm
  • Read and understand the contract and guarantee
  • Ensure the company is insured
  • Avoid companies that say you don’t have to pay your deductible

 

Weather is unpredictable. Avoid bigger loses by knowing what to look for in a contractor. Contact our office today for a free, no obligation inspection today.