FAQs2018-10-04T21:00:53+00:00

FAQs

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All too often, roof system problems are discovered after leaking or other serious damage occurs. Periodic (twice-a-year) inspections often can uncover cracked, warped or missing shingles; loose seams and deteriorated flashings; excessive surface granules accumulating in the gutters or downspouts; and other visible signs of roof system problems. Indoors, look for cracked paint, discolored plasterboard, and peeling wallpaper as signs of damaged roof areas.

You have two basic options: You can choose a complete replacement of the roof system, involving a tear off of your existing roof system, or re-cover the existing roof system, involving only the installation of a new roof system. If you’ve already had one re-cover installed on your original roof system, check with a professional roofing contractor. In many instances, building code requirements allow no more than one roof system re-cover before a complete replacement is necessary.

Roofing options are plentiful today with new products, styles, and colors being developed regularly. For the most up-to-date roofing colors, roofing styles and roofing products, visit our showroom. We can provide roofing samples for asphalt shingle roofing, composite roofing, slate roofing, cedar roofing, metal roofing and copper roofing.

Not necessarily. Leaks can result from flashings that have come loose or a section of the roof system being damaged. A complete roof system failure, however, generally is irreversible and a result of improper installation or choice of materials or the roof system installation is inappropriate for the home or building.

Most new roof systems are designed to provide useful service for about 20 years. Some roof system types, such as composite, slate, clay tile and certain metal (e.g., copper) systems, can last longer. Actual roof system life span is determined by a number of factors, including local climatic and environmental conditions, proper building and roof system design, material quality and suitability, proper application and adequate roof maintenance. Roofing product manufacturers offer a variety of warranties on their products. Take a close look at those warranties to see what responsibilities and financial obligations manufacturers will assume if their products fail to reach their expected lives.

Most work should not be done yourself. Professional roofing contractors are trained to safely and efficiently repair or replace roof systems. You can damage your roof system by using improper roofing techniques and severely injure yourself by falling off or through the roof. Maintenance performed by home and building owners should be confined to inspecting roof systems during the fall and spring to check for cracked or curling shingles and cleaning gutters filled with dead leaves and other debris. If you must inspect your roof system yourself, use a firmly braced or tied-off ladder equipped with rubber safety feet. Wear rubber-soled shoes and stay on the ladder (and off the roof system), if possible.

Please call Green Roofing and Construction before you call for an inspection from your insurance company. We have a lot of experience working with the insurance adjusters and can make the process go smoothly for you. We use the same software as the insurance industry to estimate and measure your roof. We have a time-tested detailed checklist that ensures that the insurance adjuster doesn’t miss any key issues when looking at your roof.

We recommend calling us to go over the estimate. We work with this information all of the time and can help you in this process. Although you may have received a check from your insurance company, it may not be enough. There are a number of reasons why pricing could be outdated. As the price of oil goes up so do the price of materials and labor. Since most of the estimates are software driven, we see lots of times when old pricing is used and the homeowner never knows it. Next, the adjuster could have made a mistake on the measurements. We see this a lot too. There are satellites that can measure your roof now and adjusters are using these to save time and reduce risk of injury. We think of these as calculators. They work great if you know what you are doing and the angle of your roof is ok. We like to measure the “Old School” way. We find it to be more accurate and less costly thus giving you an accurate estimate.

In Texas, if the roof needs to be replaced, then both layers will have to be removed due to insurance company rules. The fire hazard coupled with the additional weight on the roof require a new roof. We are specialist in this area and can walk you through the process.

If you have to replace your roof and there are wood shakes under your composition shingles (2 layers), by choosing the right decking you can save money. Since the housing market is in a standstill, wood is readily available and cheap. Radiant barrier decking could not only reduce your utility bills but also qualify you for a tax credit. The cost difference is usually very affordable to upgrade to radiant barrier decking.

We are one of a handful of companies that have been chosen as a Master Shingle Applicator(MSA) forCertainteed Corporation. They have been in business for over 100 years and know roofs. MSA’s must pass tests on products and installation processes in order to earn such a high honor. Our installers and sales people have all passed these tests. This assures home owners that our company can do the job correctly the first time.

Since we are in the Master Shingle Applicator program and have passed all of the testing processes for Certainteed Corporation, we are able to extend the stated warranties. This additional warranty is backed by the shingle manufacturer as long as we use their products. This warranty covers labor and materials!

Yes there is. Most insurance companies will not honor a claim filed more than 365 days after the damage was done to your roof. In order to ensure your insurance company will honor your claim it is important to file as soon as possible.

There are many reasons that this may have happened. For example, you may have had an inexperienced adjuster. Adjuster schools are two weeks in duration. Another example, would be the timing of the inspections. If you had your insurance adjuster come by a week after the storm he or she may have denied the claim. Most hail shows up better after a couple of hard rains and weeks of exposure. We recommend you call us to help you in this process. We can meet the adjuster for you with no cost or obligation. We typically get these overturned due to our experience and knowledge of insurance company storm guide lines.

What to Expect in Your Claim Process

  • IMPORTANT INFORMATION- It is important that you understand that either offering to “pay or buy your deductible” or in any way participating in a scheme or arrangement to avoid paying your insurance deductible is a criminal act and could result in a significant fine and/or jail time. Your deductible is part of your legally binding contract with your insurance company, and any roofer or roofing company that advertises that they will “pay/buy for your deductible” is offering to commit a crime on your behalf. Do NOT work with anyone who offers to do this as an incentive to earn your business.
  • Hail No- No one wants to have to endure the aftermath of a hail storm, but living in Texas we know that it’s hard to get around. So what happens after a bad hail storm that causes damages to your home?
  • First things first- Call a local contractor or two and have them walk your property and assess damages. Our team of Roofing Professionals will assist you from beginning to end. Although this isn’t necessary, it is always good to have someone who has walked your property to tell you in their professional opinion if your insurance will consider it enough of a loss to file a claim.
  • Filing your Claim- Once you file a claim with your insurance company, an adjuster will be assigned and then will contact you to schedule an inspection of your home to assess damages. This is a good time to find yourself a trusted contractor to attend the inspection. This ensures that you have someone you trust to walk the property with your adjuster to ensure all damages are accounted for from the start. The evaluation of damage to your home will be documented and developed into a scope of work for repair or replacement of your roof or other structures on your property; such items could include gutters, fence etc.
  • Generating your Insurance Scope of Work- Your claims adjuster most likely uses a piece of software called Xactimate, an industry standard software tool for determining the proper value of your property claim. Your contractor has access to the exact same piece of software used by insurance company assigned adjuster. For this reason, there is no situation in which your roofer needs to provide you with an additional estimate of the cost of damages incurred, unless there is a disagreement between you and your adjuster on what the proper scope of the damages to your home and/or premises.
  • What happens next? Once the adjuster’s assessment and report on your home is complete, your claim will either be approved or denied, based on the facts and documentation taken by your adjuster. If it is approved, you’ll receive a detailed estimate of the damages and what the ReplacementCosts Value (RCV) is according to market value of materials and labor at the time of inspection. You as the homeowner have the opportunity to dispute the valuation if you feel it is unfair.
  • What if I don’t agree with the valuation? If you or your contractor feel that the valuation is too low, your roofer has the ability to perform their own estimate and then negotiate with your insurance to supplement any deviation in pricing or cost. If changes to market value of materials or changes to the scope of work occur, contractors call this additional amount a supplement. In most cases, your contractor will not complete a full valuation unless it is needed to disagree with your appointed adjuster.
  • Now what? Once you accept the valuation from the adjuster, they will usually disperse your first check which is to get your project started. This amount is referred to as your Actual Cash Value (ACV). Due to the high level of insurance fraud in storm damage claims, you will only receive the ACV compensation until your contractor provides proof to the insurance company that the repairs on your scope of work have been completed. At that point the insurance company will disperse the remaining portion of your claim as well as any overhead and profit.
  • What is Overhead and Profit? Contractors who have various trades that have to be done on one project can usually request and obtain Overhead & Profit (O&P). This is because it is considered more difficult to schedule multiple trades therefore contractors are compensated in the way of O&P.
  • Now your house is back to normal- Beyond those two checks, it is possible that on occasion, as previously discussed, the insurance will need to issue a supplement payment based on various factors i.e. material or labor increase due to demand, additional and unexpected expenses due to the finding of additional damage (that must be well documented) to your home that was not previously included on your scope of work. All checks will be issued to you directly. You are responsible for paying your contractor.
  • What if I decide to not repair my home? This is considered insurance fraud. If your insurance money is not used to perform the repair work on your scope of work provided by your insurance company; then you can suffer great consequences. Some consequences could include prosecution by your insurance company, loss of insurability, and even not being able to repair your home which eventually will cause more damages. Your responsibility as a homeowner is to protect your investment.

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817.562.3332

LOCATION

607 W. Dallas Rd., Ste 400,
Grapevine, TX 76051

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