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  • Insurance Claims

    • Does Every Roof Inspection Result in an Insurance Claim Getting Filed?

      Not every roof inspection results in an insurance claim being filed. Roof inspections are important to determine the extent of the damage and to understand whether it is covered by insurance. If the damage is due to the age of the roof, natural wear and tear, or the roof failing because of a faulty installation or low quality materials, filing an insurance claim may not be warranted. Depending on the inspection results, a homeowner may decide to file a claim or pay for the repairs out of pocket.

    • Are insurance companies fair when it comes to roofing damage claims?

      Insurance companies are often reluctant to pay out claims, so it is important to understand your policy and the claims process. It is also important to document the damage and understand your rights. However, not all insurance companies are fair when it comes to roofing damage claims.

      If you feel that you have been unfairly denied a claim, you may want to consider consulting an experienced insurance litigation lawyer to help you understand the reason your claim was denied and to build a case for you to receive the compensation you and your family deserve.

      We prefer to get involved well before you escalate to that level. 

    • Why Would My Roof Damage Claim Be Denied by the Insurance Company?

      Roof damage claims can be denied for a variety of reasons, such as lack of appropriate maintenance, issues that existed before you bought your property, wear and tear over time, or damage from lack of temporary repairs after a loss. In addition, your claim may be denied if you previously received compensation for a different insurance claim on the same part of your house. If your roof damage claim is denied and you disagree with the decision, it is best to contact your insurance provider and schedule a re-inspection. You may also consider hiring an attorney to help you build a case for you to receive the compensation you and your family deserve.

    • Regarding roof damage: are there any steps I should take prior to filing an insurance claim

      There are several steps you should take prior to filing an insurance claim for roof damage.

      • Document the damage with photos and videos.
      • Contact your insurance agent to discuss the damage and the claims process.
      • Call Certified Quality Roofing to inspect the damage and provide an estimate for repairs.
      • Take steps to protect the interior of the home from further damage, such as running a dehumidifier, setting up buckets to catch water, and relocating furniture and other items to minimize the chance of additional damage occurring.

  • Roof Inspection

    • What is a Residential Roof Inspection?

      A residential roof inspection is a comprehensive assessment of the roofing components of a home. During an inspection, a roofing professional will examine the roof’s structural support, roofing material stability, potential leaks and water damage, unusual wear and tear, and other potential issues such as organic growth, cracks, and aging materials. They will also look for issues such as broken seals on shingles, granule loss, dry rot, broken caulk or rust spots on flashing, and missing or buckling shingles.

    • Why Might I Need My Roof Inspected?
      A roof inspection should be conducted regularly to detect any common roofing problems such as missing shingles, moss/plant growth, leaks or cracks, shingles curling or buckling, debris in gutters, or sagging or drooping. Regular roof inspections can help homeowners prioritize improvement projects, detect damage from storms or strong winds, identify roofing issues that can be covered under a roof warranty, identify aging or weathering damage, assess any damage caused by routine maintenance, and detect any leaks that may have occurred. Routine roof inspections are crucial in understanding the roof’s condition and can help extend its life.

      Top Ten Reasons for a Roof Inspection

      1. Detecting common roofing problems;
      2. Prioritizing improvement projects;
      3. Warrant repairs; 
      4. Weathering and aging;
      5. Routine maintenance damage;
      6. Storm damage; 
      7. Leak assessment;
      8. Stopping damage before it starts;
      9. Proper drainage; 
      10. Safety.
    • How Much Time Does a Roof Inspection Require?

      A residential roof inspection typically takes around 45-60 minutes, depending on the size, type, and slope of the roof. In some cases, it may take up to several hours if moss or lichen are discovered, or if the inspector is required to write up a full report with pictures. Our consultants do provide photos and a detailed report, and in some instances, drone footage of the roof.

    • How Does a Drone Roof Inspection Work?

      A drone roof inspection works by using a drone to take pictures and videos of a roof to visually inspect its condition. The drone is flown above or around the roof and captures images and videos that can be used to identify issues or potential damage. The data is then analyzed by a professional to determine the condition of the roof and recommend any necessary repairs or maintenance. Drone roof inspections are especially useful for tracking the health of a roof over time, as the images and videos can be compared to identify changes and potential damage caused by storms or other factors.

    • What Expertise is Required to Perform a Residential Roof Inspection

      A residential roof inspection requires expertise in roofing materials, structural support, stability of roofing material, leak detection, wear and tear, windblown debris, organic growth issues, and repair issues. A roof inspector also needs a mixture of experience, education, and licensing in the building inspection profession. Our roofing consultants are required to pass a rigorous training program based on the GAF Master Elite Certification program.

    • What is the Cost of a Residential Roof Inspection?

      The average cost for a residential roof inspection is between $120 and $300, although prices can vary depending on the size of the roof and the complexity of the inspection. We provide residential roof inspections completely free of charge.

    • Does Every Roof Inspection Result in an Insurance Claim Getting Filed?

      Not every roof inspection results in an insurance claim being filed. Roof inspections are important to determine the extent of the damage and to understand whether it is covered by insurance. If the damage is due to the age of the roof, natural wear and tear, or the roof failing because of a faulty installation or low quality materials, filing an insurance claim may not be warranted. Depending on the inspection results, a homeowner may decide to file a claim or pay for the repairs out of pocket.

  • Financing

    • What Are Financing Options for a Replacement Roof or Repair?

      There are several options available to a homeowner should he or she be faced with the cost of a new roof without insurance contributing. These include:

      • Home Equity Loan
      • Home Equity Line of Credit
      • Personal Loan
      • A Cash-out Refinance
      • Credit Card
      • Cash
    • Advantages and Disadvantages of a Home Equity Line of Credit or Loan to Pay for Your New Roof

      The pros of using a home equity line of credit or loan to pay for a roof repair or replacement include: 

      • lower interest rates compared to other types of financing 
      • interest-only payments during your draw period
      • the ability to take out money as needed over a 10-year period

      The cons of using a home equity line of credit or loan to pay for a roof repair or replacement include: 

      • variable interest rates
      • your home is collateral for the loan
      • minimum withdrawals from your HELOC may be required
      • the possibility of foreclosure if you miss payments or can’t pay back your loan.
    • Use a Personal Loan to Cover the Cost of a New Roof?

      Yes, you can use a personal loan to pay for a new roof. Personal loans are typically offered with fixed interest rates, so you will know the exact cost of your loan upfront.

      A personal loan is an unsecured loan that can be used to cover a wide range of expenses, including home repairs or renovations. Personal loans are often used when an individual does not have the necessary funds to cover an expense.

      However, it is important to shop around and compare rates and terms to find the best option for you. Usually, a local Credit Union has the best rates for its members.

    • Use a Cash-Out Refinance to Pay for Your New Roof

      A cash-out refinance is a low-cost way to make home improvements when you don’t have the money on hand.

      With a cash-out refinance, you pay off your existing mortgage with a new, bigger mortgage, allowing you to access the difference between the equity as cash at closing. This cash can then be used to fund your roof repair or replacement.

      One advantage of a cash-out refinance is that you’ll typically secure a lower interest rate, but closing costs and other things about your individual situation must be taken into account.

      Additionally, it is important to remember that your mortgage uses your home as collateral, so if you cannot afford your new monthly payments, you could end up in foreclosure and lose your home.

      You must be very comfortable with your refinanced amount in order to avoid a heavy financial burden.

  • General

    • What are common causes of roof damage?
      Common causes of roof damage include wind, hail, snow, ice, falling branches, and age.
    • How can I tell if my roof is leaking?
      Signs of a roof leak include water stains on the ceiling or walls, a musty smell, or the sound of dripping water.
    • How do I know if my roof needs to be repaired or replaced?
      You may need to repair or replace your roof if you notice signs of damage, such as missing or damaged shingles, leaks, or sagging. A professional roofing contractor can assess the condition of your roof with an inspection, then recommend the appropriate course of action.
    • Can I repair my roof myself, or do I need to hire a professional?
      Some small roof repairs, such as replacing a few shingles, may be able to be completed by a homeowner with some knowledge and experience. However, most roof repairs and replacements should be completed by a professional roofing contractor for safety and quality reasons.
    • How much does a roof repair or replacement cost?
      The cost of a roof repair or replacement can vary greatly depending on the size and type of roof, the extent of the damage, and the location of the property. On average, however, most homeowners can expect to pay between $1,000 for a basic repair and $15,000 or more (depending on the type of roof) for a roof replacement. Remember that homeowners' insurance will fully cover most types of damage, less your deductible.
    • How do I choose a reputable roofing contractor?
      When choosing a roofing contractor, it's important to do your research and get multiple estimates, if necessary. Look for contractors with good reviews, a history of successful projects, and proper licensing and insurance. Also ask for personal recommendations from a neighbor, from your insurance agent, your homeowner’s association, or Realtor®.
    • What should I consider when choosing roofing materials?
      When choosing roofing materials, consider factors such as the style and color of your home, the climate and weather in your area, and your budget.
    • How can I extend the life of my roof?
      To extend the life of your roof, regularly inspect it for signs of damage, remove any debris that may have accumulated on it, and make repairs as needed. You should also have your roof inspected by a professional every few years. Certified Quality Roofing offers a free annual inspection for our past customers.
    • Can I get my insurance company to pay for a roof repair or replacement?
      In some cases, your insurance company may cover the cost of a roof repair or replacement if the damage is due to a covered event, such as wind or hail. Check your insurance policy for details and contact your insurance company to file a claim.
    • What are the different types of roofing materials available?
      Common types of roofing materials include asphalt shingles, metal, tile, slate, and wood shingles.
    • How long does a roof repair or replacement typically take?
      The time it takes to complete a roof repair or replacement will vary depending on the size and complexity of the project. Most roof repairs can be completed in a few days, while a roof replacement may take a week or more.
    • What is the best type of roof for my home?
      The best type of roof for your home will depend on factors such as your climate, the style of your home, and your budget. A professional roofing contractor can help you choose the right type of roof for your home.
    • How do I properly maintain my roof?
      To properly maintain your roof, regularly inspect it for signs of damage and make any necessary repairs. You should also remove debris from your roof and keep gutters and downspouts clean.
    • How do I remove snow from my roof safely?
      To remove snow from your roof safely, use a roof rake with a long handle to reach the snow without standing on the roof. Be careful not to damage the roof or gutters, and avoid standing on the roof if it is slippery or unstable.
    • Can I replace my roof myself, or do I need to hire a professional?
      In most cases, it is best to hire a professional roofing contractor to replace your roof. Replacing a roof can be a complex and dangerous job, and a professional will have the skills and experience necessary to complete the job safely and correctly.
    • Can I install solar panels on my roof?
      In most cases, solar panels can be installed on a roof. However, it's important to choose a roofing contractor who has experience with solar installations and can ensure that the panels are installed properly.
    • How do I prevent ice dams on my roof?
      To prevent ice dams on your roof, make sure your attic is well-insulated and properly ventilated. You should also remove snow from your roof regularly, starting at the eaves and working your way up.
    • What are the signs of a roof in need of repair?
      Signs that your roof may need repairs include missing or damaged shingles, leaks, sagging, or water stains on the ceiling or walls.
    • What is the best time of year to repair or replace a roof?
      The best time of year to repair or replace a roof depends on your location and climate. In general, it is best to avoid extreme temperatures and storms, so spring and fall are often the best times for roofing projects.
    • Can I add insulation to my roof?
      Yes, you can add insulation to your roof. This can help reduce your energy bills and improve the overall comfort of your home. We recommend hiring a professional contractor to install it.
    • How often should I have my roof inspected?
      Most experts recommend having your roof inspected by a professional every few years. This can help identify potential problems before they become major issues and extend the life of your roof. Certified Quality Roofing offers a free annual inspection for past customers.
    • What are the benefits of a metal roof?
      Benefits of a metal roof include durability, energy efficiency, and a wide range of styles and colors.
    • What are the different types of roofing warranties available?
      Roofing warranties can vary, but common types include manufacturer's warranties, which cover defects in the roofing materials, and labor warranties, which cover the workmanship of the roofing contractor. Certified Quality Roofing can offer better warranties because of the high quality products and installation we offer.
    • What are the benefits of a flat roof?
      Benefits of a flat roof include simplicity and cost-effectiveness, as well as the ability to use the roof for activities such as gardening or outdoor entertaining.
    • Can I paint my roof?
      In most cases, you can paint a roof. However, it's important to choose a high-quality, weather-resistant paint and to follow the manufacturer's instructions carefully.
    • How do I remove moss from my roof?
      To remove moss from your roof, start by using a broom or brush to loosen the moss and remove as much as possible. Then, you can use a moss-removing product or a mixture of water and bleach to kill any remaining moss. Be sure to avoid damaging the roof or harming plants in the area, and by all means, be extra careful when on the roof.
    • Can I install a skylight on my roof?
      In most cases, you can install a skylight on your roof. However, it's important to choose a skylight that is the right size and style for your roof and to have it installed by a professional. Skylights tend to be a source of leaks and may require a great deal of maintenance, so installing it correctly is imperative.
    • What are the different types of roof ventilation?
      Types of roof ventilation include soffit vents, which are installed along the eaves of the roof, and ridge vents, which are installed at the peak of the roof. Other options include gable vents, which are installed in the gables of the roof, and turbine vents, which are powered by wind.
    • What are the different types of roofing underlayment?
      Types of roofing underlayment include felt paper, synthetic underlayment, and ice and water shield. Each type has its own benefits and characteristics, so it's important to choose the right one for your specific roofing project, as advised by your roofing consultant.
    • What are roof accessories?
      Roof accessories are an integral component of most roofing projects. They include items such as flashing, gutters, butyl tape, foam closures, metal trims, and fasteners. These accessories help to ensure the roof is properly sealed and protected from the elements.
    • What is the importance of high quality roof accessories?
      The importance of installing high quality roof accessories cannot be overstated. Quality roof accessories are essential for ensuring a safe and secure roof system. They provide protection from water and air infiltration, as well as help to create a strong and durable roofing system. Quality roof accessories also ensure a long-lasting roof, as they help to protect against wind, rain, snow, and other environmental conditions. Additionally, quality roof accessories can help to improve the aesthetic appeal of the roof, making it look more attractive and pleasing to the eye.
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