Be careful when you DIY!

by: Kirsten Land on May 17th, 2016 about Residential Roofing, Roofing Advice

Homeowner doing roof repairLots of people love to be handy around the house. It gives you a sense of satisfaction and can save you money in the short term. But if it’s something that’s dangerous or requires special training, consider doing a risk analysis before attempting it.

Imagine this: you’re trying to save money, so you decide to clean out your own gutter in the spring. It’s not a huge expense, but it’s money in your pocket if everything goes well.

I hate to be the bearer of bad news, but it doesn’t always go well. Especially when you’re working on the roof of your house, there’s a huge danger of falling. There are a host of dangers if you fall off your roof, but we don’t need to go straight to the worst-case scenario.

Let’s say you fall off your roof and break your arm. To fix it, you’ll need surgery and physical therapy. It might make work difficult for you in the future, and if it doesn’t set properly the first time, you’re in for more medical bills.

Sometimes, cheap can be expensive.

Doing projects around the house is great, but it’s important to consider your skill and comfort level before starting a project. Professionals are well-trained and it’s often cheaper for them to do something than for you to do it yourself and injure yourself.

I can’t speak for other roofing companies, but I know our practices. Our roofers are great at their jobs and know how to handle any unexpected circumstances safely. They’ll be able to explain to you what they’re doing, and if they discover further issues with your roof, they can help you create a plan for moving forward.

We have several subcontractors that we work with who are insured and whose work we trust; if one of our roofers finds an issue with your roof during routine maintenance, rest assured that we will help you resolve it with the least stress possible to you.

There’s nothing wrong with working on your own home. But if you come across a project that seems risky, consider working with a trusted professional to make sure you and your house are in good shape when the project’s done.

Posted in Residential Roofing, Roofing Advice       Comments: None

Who pays for your roof damage?

by: Kirsten Land on May 3rd, 2016 about Insurance, Residential Roofing

Paying cashImagine this: You switch carriers for your home insurance in May. In June, several of your neighbors are hiring roofers to repair spring storm damage, so you decide to do the same. But once your roof’s been inspected by a roofer, you realize there’s significant damage that happened while you were covered by your previous insurance agency.

Your new insurance carrier won’t pay for that damage!

It’s not a disaster, though. If your roof gets damaged while you were covered by your previous insurance, most insurance companies will cover that damage. You were paying premium to them at the time the damage occurred, so you’d call that insurance agency’s adjuster out.

If you hire Land Roofing, we’ll help you take care of that claim. We recommend having a roofer out to inspect for roof damage before you call either insurance agency-that way, you won’t be opening up an unnecessary claim if your roof is in good shape.

Insurance rules are liable to change, of course. It’s important to know your policy, and you might want to keep a copy of your previous insurer’s policy around until you’re sure you won’t need for them to cover storm damage that occurred while you were using them.

For example, some companies like State Farm require homeowners to report their claim within one year of the insurable event. Otherwise, the claim may be denied.

If several of your neighbors are repairing or even replacing their roofs, that’s a good sign that a recent storm hit your neighborhood especially hard and you may want to call a roofer out to see what’s going on with your roof. It isn’t a guarantee that you’ll qualify for a new roof, though.

It’s a good idea to have your roof checked from time to time, to catch any damage quickly. And if you’ve changed insurance carriers recently, it doesn’t hurt to ask if your previous carrier will cover damage that happened while you were covered by them. You already paid the premium for it! And in many situations, they will take care of it.

If you would like a roofer to be present while the adjuster is at your home, or if you’d like to call a roofer out to see if you need any repairs in the first place, we’d be happy to have a conversation with you about that.

Posted in Insurance, Residential Roofing       Comments: None

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