Roofing

Safe Measures of Concern to Homeowners During Re-Roofing

*Removal of your existing roof, and delivery and installation of your  roofing materials is major construction. Tons of materials are removed, 

delivered and installed by a staff of workers which, in the normal course  of business, causes vibration. The following precautions and information  are essential:*

1. Take down or secure all important paintings, lamps, fixtures and  pieces of art.

2. In very infrequent cases (depending upon the condition and age of  your original construction), small stress cracks and nail pops in your 

drywall can occur due to vibration. As these nails pre-date our work, and  can pop for many reasons outside of our control, we cannot be responsible  should this occur.

3. If we come upon dry rot in your underlying wood or eaves, we will  replace that damaged wood with new wood per specifications. Homeowners are responsible for painting the new wood should they desire to do so.

4. Cover any valuables in the attic and garage with plastic; re-roofing  will cause dust and debris in these areas.

5. If you have any special plants, bushes, or furniture around the  perimeter of the house, you may want to cover them with plastic, as debris 

may fall from the roof during removal.

6. Our roofers will need access to an electrical outlet for the use of  our power tools. If there are no outlets outside, please have the garage 

open so that we can access an outlet, or make sure a heavy-duty extension  cord is visible under the garage door. We also need access to the driveway  for our dump trucks.

7. We recommend removal of any television antennas (and cables) or  satellite dishes. We will work around them if you choose to leave them up, 

but we cannot be responsible for your reception after completion of your  new roof.

8. If there are any overhanging trees or branches on your roof, please  cut them back to facilitate room for our workers prior to commencement of  work.

9. Many two-story houses have the walls stuccoed just down to the  shakes. When converting from wood shakes to composition shingles, there 

may be a one to three-inch gap of stucco missing. We will run a metal Z  bar to cover it.

10. Upon the Completion of your job, please check the interior connections  of your heater and hot water heater in the attic. These occasionally 

become dislodged. If allowed access, we will do this for you.

11. Placing a sign in your yard is the first step in re-roofing your  home. We are extremely proud of our work. We ask that the sign be allowed 

to stay for three weeks after completion of the job.

12. If you have any questions or concerns during your roofing job, please  call the office immediately.

Important Facts About Hail Damage That All Homeowners Should Know

How do I know if I have hail damage to my roof? Can I tell from the ground?

If you’ve had hail in your area, a close inspection of the shingles has to  be made from the roof to determine if the shingles have been damaged. This  cannot be determined from the ground.

If I think I have hail damage, what should I do?

Call your insurance company and ask for an adjuster to come inspect your  roof for hail damage. Call a reputable and local roofing company and ask for the same inspection. If there are any discrepancies between the 

adjuster’s finding and the roofer’s findings, you can call for a  “RE-INSPECTION” where a different adjuster meets with the roofer to go over 

the roof together. Re-inspections are very common. The insurance company  must determine two (2) things when assessing the amount of your loss:

1. Was there sufficient damage to the roof to declare it a total loss?  (Usually determined by 7 verified hail hits per 100 square feet)

2. What is the size of the roof and how many shingles will be needed to  replace the roof.

My insurance adjuster said there was no hail damage on his first
 
inspection. I asked the *Michael Young Roofing & Construction Inc. *estimator to call him and request a walk-through re-inspection with him. Why such a dramatic turnaround?

There are so many different reasons that this happens so often. Sometimes  adjusters get to a roof too soon after the actual damage and the hits 

haven’t had a chance to weather yet. Sometimes the adjusters are  inexperienced. The best results for the benefit of the homeowner is when 

an experienced roofer walks through the inspection with the insurance  adjuster and calls the adjusters’ attention to any damage that he sees.

What does hail do to a roof?

Shingles are designed so that the granules block the UV rays of the sun and  protect the asphalt underlayments. As the shingles age, the granules fall off over time. As the asphalt is exposed to UV, it dries out and the shingles get a “potato chip” appearance as the corners start to curl up. A shingle at that extreme end of its life is bubbled in appearance and is brittle to the touch. A 20-year shingle is warranted by the manufacturer to have a useful life, under optimal ventilation conditions for 20 years. 

Hail does several things:

1. Accelerates granule loss;

2. Accelerates shingle aging;

3. Voids manufacturer’s warranties;

4. Leads to other associated problems.

Do I need to get my roof replaced right away?

The insidious nature of hail damage is that it may pose no immediate threat  to the structural integrity of the roof. However, many insurance companies have a “statute of limitations” of how long a hail claim is viable. If you have experienced a loss such as hail damage, it is prudent to take care of the problem in a timely manner before it leads to other associated problems.

What does a hail hit look like?

A hail hit on a shingle looks like a “bruise” or a dark spot where the  granules on the shingle have been knocked off and the asphalt underlayment,  and sometimes the fiberglass mat, is exposed. New hail hits will have a
 
shiny appearance because the asphalt has been freshly exposed and has not had time to weather to a dull color.

Why would my insurance company agree to replace my roof?

The purpose of homeowner’s insurance is to protect homeowners against
 
losses in their property’s value due to damage that is beyond their 

control. If you have hail damage, you have experienced a financial loss in
 
that your original investment of a 20-year old roof (for example) has now been reduced to a 1 year useful life span. Your insurance company will compensate you for your loss and replace your roof.

Why does the estimate read that there are more shingles to replace than  there are to remove?

The amount of shingles to remove from your roof is the “actual” amount of  square feet that are on your roof. However, when putting shingles on, some shingles have to be cut to fit dimensions, ridges, hips and valleys; this is called the “total amount”. The insurance company adds 10% waste factor to regular ridge roofs and 15% to hip and ridge roofs to account for the loss of shingles.

In my adjustment, my insurance company deducted some money for  depreciation. Why is that?

Different insurance companies call the amount that they hold back different  things. Some call it depreciation, other companies calculate a dump and removal fee. What this represents is the amount of money the insurance company will hold back until they receive a signed contract from you and a contractor for the work. When they receive a signed contract, you will receive another check for the amount they have held back.

LET US HANDLE YOUR INSURANCE CLAIM IN ITS ENTIRETY. WE WILL HELP YOU  INCREASE YOUR PROPERTY VALUE BY GETTING YOU A NEW ROOF. 

34 YEARS OF EXPERIENCE IN THE ROOFING INDUSTRY

PLEASE CALL
Michael Young Roofing & Construction Inc.

INSURANCE CLAIM SPECIALIST

469.274.4900