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Cover Yourself To Avoid An Insurance Scam After A Hurricane

Cover Yourself To Avoid An Insurance Scam After A Hurricane

The Caribbean and United States have been slammed by the most powerful storms in recorded history. It’s a situation where homeowners are struggling to keep their homes. What’s worse is that the predators who look to engage in roofing insurance scams are hot on the heels of unsuspecting homeowners.

The Problem

When disaster strikes so do criminals. It’s not just an issue of some small shady company coming along and stealing money from the devastated homeowner, it’s a matter of even large companies and even public officials who participate in these schemes.
You may have not left yourself vulnerable because these crooks can find ways to get to you that no one has ever suspected. It’s because they look for the loopholes that allows them to bamboozle you out of your money.
The courts try to pass laws to beat them down, but the minute they pass one law, the crooks find a hole in another.

Fighting Back

Fighting back is a matter of prevention mostly. Make sure you have a list of phone number sot reputable certified roof repair companies and other repair companies before a disaster strikes. Doing things last minute is a sure fire way to get caught up in a hurricane repair roofing scam for sure.
If you’ve been smart, you’ll have all your insurance info on hand after the wind and flooding damage. It will outline what your benefits are. Criminals know this and that you’ll get money fast and they want every dime of it. They’ll swoop in with documentation they want you to sign that forks over that money. The primary scam is called an Assignment Of Benefits aka AOB.
The AOB is what these scammers want you to sign right off the bat so that they can then rip you off. It’s an old scheme and officials warn people not to sign these. If anyone shows up trying to intimidate or con you with a smile into signing one of these, give them the boot right away.
The AOB isn’t the only scam but so are unscrupulous people who come by and claim you have to pay for an assessment of the damage and that you should fork over money upfront for repairs. No, none of these is legal or acceptable. It’s a clear sign the company is trying to rip you off. No doubt about it.

Credentials Are Everything

Even if a company shows up with all smiles and handshakes, they had better be able to present their credentials when asked. Any hesitation regarding this is a clear sign they either don’t have their gear together or they don’t have the credentials and lawful certification required by law to do the contracting they’re trying to get you to pay for.
You can use your smartphone to check on credentials easily. The government, both state and federal have certification data online and you can bring up that data and present it to the contractor to validate. If none of it is there, or if they claim their certification is not accessible due to their website being down then you just smile, excuse yourself and go on about your business.

The Right People To Call

If you’re up against a wall with no roofing to protect yourself and you’re worried about getting ripped off, then just call Kidder Roofing!
Kidder Roofing has so many industry awards for top-notch service that they are a bona fide industry leader. Roofing companies around the country wish they could match the service and value of the staff of Kidder Roofing.
So get it done right with Kidder Roofing.

Image credit: ThomasWolter
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Top 5 FAQ’s For Understanding Your Roofing System

Top 5 FAQ’s For Understanding Your Roofing SystemWhen it comes to understanding your current (or future) roofing system, there is no “wrong” question. As a homeowner, it is essential that you ensure the integrity of your roof at all times, properly care for and maintain the shingles, and protect it from outside elements that could lead to damage that could have otherwise been avoided.
Let’s review the Top 5 Frequently Asked Questions about residential roofing – which in some cases also apply to business or industrial roofing setups.

1. How do I know when it’s time to purchase a new roof?

Typically, roofing shingles or wooden shakes will last between 15 to 30 years, depending on the weather and environment you live in, as well as any obstructions or damage from surrounding elements – such as branches. Another common trouble with worn or broken tiles is inadequate water irrigation systems, and flooding on your roof which may eat away at your current roofing system at a higher rate than anticipated.
Some signs of a broken or beyond repair roofing system needing a total replacement are: curling shingles, decayed or missing shingles, visible cracks, missing or rusted flashings, wind damage, missing shingles, and cracked or discolored interior drywall.
In such instances, investing in a professional roof replacement by a trusted roofer would likely make the most sense.

2. How much will a new roof cost?

Depending on the type of roofing system you choose, as well as the roofing professional you hire, prices can vary significantly. Also, take into consideration the grade, brand, and type of roofing systems you’re going to go with, as well as the size of your roof and if it has a sloping roofline.
Starting with an expert roofing professional is the way to go, and often you can receive a free quote in doing so. Don’t settle for cheaper materials or labor, as this can be more costly in the long-run for repairs, or an otherwise improperly installed roofing system.

3. If I’ve received three various offers for repairs or roof replacement, how do I know which one to go with?

Depending on the scope of work to be done, whether it’s removing entirely or fixing your current roofing system you should take into full account the necessary work. In many cases, flashing work, ventilation or adding new vents, and removal-costs might be included in the quoted price – or additional. Also, the installation method, as well as proposed deadline should play significant roles in determining which professional to go with – and why.
Other variables to take into consideration are payment procedures, and of course length or type of warranty, such as what is covered in the instance of poor installation, improper workmanship, or even water leakage later on.

4. Why has my professional roofer only offered one year warranty on my asphalt shingle roofing system?

It is important to create a distinction between a manufacturer’s warranty and a contractor’s warranty – which is typically one based solely on his or her workmanship. However, a contractor’s warranty will likely offer much less coverage and typically remains relevant only to installation issues. Therefore, carefully review the contract and warranty details to see what’s covered or isn’t before starting the work. Always ensure you also receive the necessary certificates, documents, and warranty or guarantee contracts for your new roofing system.

5. Can I replace or repair my current roof on my own?

Speaking frankly, attempting to change or repair a roof on your own can be very dangerous, or even more costly in the long run. Typically, professional roofers have years of experience, and certain qualifications, licensing and insurance that the average home owner will either not be familiar with or possess. Worse, an everyday homeowner might damage the roofing system further, accumulating even more unwanted costs.
Also, the professional equipment – including safety equipment – necessary for most roofing system jobs and installations are very costly, and may not be something considered by the average DIYer.
Ultimately, depending on the style, materials, and type of home you have, roofing experience, and installation can vary greatly. This is why it’s so important to go with a reputable, trusted, and licensed roofer.
If in doubt, continue to research online the various types of roofing systems available to you, and what might make the most sense given the climate and environment you live in.

Image credit: Projekt_Kaffeebart

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Roof Replacement Project in Largo FL

Kidder Roofing just started a new project in Largo FL.
Roof sheathing and underlayment were replaced and new shingles will be placed in a couple of days.

Roof Replacement Project in Largo FL
Roof Replacement Project in Largo FL
Roof Replacement Project in Largo FL
Roof Replacement Project in Largo FL
Roof Replacement Project in Largo FL

Posted in Clearwater, Largo, Metal Roofing, Project, Roof maintenance, Roof Repair, Roof Replacement, Roofer, Roofing, Roofing Company, Roofing Contractor, Shingle Roofing, Tile Roof, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on Roof Replacement Project in Largo FL

10 Benefits Of Shingle Roofing: Are Shingles The Best Solution?

10 Benefits Of Shingle Roofing: Are Shingles The Best Solution?Shingle roofs are gaining significant popularity in today’s modern homes, as well as those looking to upgrade their roofing systems without spending too much or losing out on long-term benefits of a stable, practical roof.
Below you’ll find the top 10 reasons why shingle roofing makes the most sense for your home and is in fact quite comparable to other, leading materials and roofing setups that easily cost up to four times or more of the price of shingle roofs.

1. Shingle roofs provide the perfect solution for a more aesthetic appeal, yet cost a fraction of the price of more sophisticated or costly premium material roofing like slate, clay tiles, metal, and cedar shakes. Shingle roofs require the lowest upfront costs, and because it is the most affordable short-term solution is becoming more popular. In fact, asphalt shingle roofs, for example, have an expected lifespan of at least 12 to 17 years, which is pretty fair considering the costs paid and overall quality.

2. Going with a shingle roofing setup means you’ll be able to choose from not only a comparably similar variety of colors and styles but also between organic and fiberglass tiling options.

3. A shingle roof setup will still hold up to rain and other common weather elements, and typically either include a unique mineral ‘filler’ or asphalt layer that protects and reflects both sun and rain.

4. Organic shingles are more durable than other fiberglass shingle roofing systems, yet cost much less. Customers can also invest in not only 3-Tab shingle tiles but also Laminated and Premium designs as well – making them the perfect match for both contemporary and traditional styled homes.

3-Tab shingles are practical and often come with 20-30 years of limited warranty – and can also withstand up to 60mph-70mph wind uplift which is pretty impressive. At approximately just $25-$30 per bundle, this is a very cost effective way of both protecting and giving your home the stylish appearance you desire.

5. Any average roofing contractor can install shingle roofing, which means less out of pocket costs as opposed to requiring a specialist to install your roofing system.

6. Shingle roofing systems are much lighter, which means they are not only easier to install as mentioned above, but will also cost less money, and be more flexible when it comes to windy days, which is a major plus.

7. For matching a broad range of angled roofs, shingle roofs are the perfect, versatile solution.

8. You may choose from a variety of premium grades or types of shingle roofing, such as laminated or premium. Outside of these two, you may also elect to go with a “matt design” which means both more reflection of light, as well as a more durable build that will provide an excellent cost to value for weather resistant design. Assembling shingle roofs also require no accessories or specialized labor like wall terminations, chimney, or vent flashings which mean you again save money on installation.

9. Installing a shingle roof will still give the same, desirable “3D” effect for your house without the extra costs of a more specialized, costly, and expensive to maintain roofing system.

10. Shingle roofs are designed with a Class 1 Fire Rating which means they’ll hold up very well in normal hot temperatures – within reason – although would not be an ideal choice for consistently humid and hot climates, in places such as Arizona or Florida for example.

Shingle roofs come in various, stunning color palettes, and even protect against external noise – so your home stays both safe and peaceful. Popular choices for tile roofing are Crowne Salte and Cambridge. Many shingle roofing systems also come with impact resistance (IR) and are available in at least 12 colors.

A shingle roofing setup is also perfect for steep-sloped structures, which is not as common with more premium materials like clay tiles or cedar shakes.

Best of all, tile roofs require less maintenance, and it is nowhere near as costly as competing for roofing systems. You can even walk across your tile roofing and not have to worry about breaking or caving in your roof!

So, the bigger question is, why shouldn’t you get a tile roof?

Picture Credit: Darryl Brooks

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Kidder Roofing Roof Repair Project in Clearwater FL

Kidder Roofing, an accredited roofing contractor successfully completes the roof repair project in Clearwater FL.

Kidder Roofing Roof Repair Project in Clearwater FL

Kidder Roofing Roof Repair Project in Clearwater FL

Posted in Clearwater, Largo, Project, Roof maintenance, Roof Repair, Roof Replacement, Roofer, Roofing, Roofing Company, Roofing Contractor, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on Kidder Roofing Roof Repair Project in Clearwater FL

How to Maintain Your Roof: Saving Time and Money

How to Maintain Your Roof: Saving Time and MoneyRoof maintenance does not have to be difficult, disheartening, or impossible without shelling out tons of money to cover unwanted costs. In fact, quite the contrary, regular maintenance, and a quality roof setup are more than likely to last you at least 15 to 25 years on average. And, if you’ve just purchased a new home, then, one of your first major steps should be having either someone knowledgeable you trust, or a licensed professional come out and inspect it, to prevent any future excessive costs.

Regular inspections and basic roof maintenance like cleaning out the gutters or keeping an eye on things up there can make all the difference between making or breaking your roof.

On average, a roof will cost anywhere from $10,000 – $20,000 or more, depending on the type of roof you decide to go with, and the size of your home’s roof. For starters, an excellent routine to get into is checking the condition of your roof before and after every major season change. Also, inspect the condition of your roof tiles, gutters, and look out for any anomalies right before, and after any major storm or weather change. Often, you will be able to notice things like peeling, shattered tiles, missing tiles, cracks, or granules on your own – as you’ll know your roof better than anyone else. Although, ultimately, regular roof maintenance should include you putting special precautions in places, such as gutter screens, regular cleaning, and the unclogging of any irrigation systems tied to your roof.

Other common and effective roof maintenance are regularly inspecting your ceilings and roof for any unusual or unsafe wear and tears, such as mold – or breaking and cracks which could be serious cause for concern. Often, loose bolts or flashings are the culprit and can be easily fixed or replaced for just a few dollars – as opposed to the thousands of dollars it could cost you later on.

As far as cleaning and roof maintenance goes, you may be surprised to learn that there are several Do It Yourself (DIY) methods available using simply a broom and hose to clean up. Also, moss and mold removing cleaning agents can be helpful, and, in most cases, the majority of this type of regular cleaning and maintenance can be done for a fraction of the cost of a professional. Although, for those with less experience or a lack of tools and “know-how”, results can be poor, and it may very well be more affordable to have a professional come out and do it for the sake of preventing any accidents.

Speaking of assistance, always ensure you have a partner, or a “spotter” when using a ladder, and don’t ever rest your ladder on the gutters themselves. That is, as they are typically made of a thin metal which can bend (damaging your irrigation system), and can cause you to fall off your ladder.

Picture Credit: 3dman_eu

 

Posted in Largo, Roof maintenance, Roof Repair, Roof Replacement, Roofer, Roofing, Roofing Company, Tips, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on How to Maintain Your Roof: Saving Time and Money

How to Tell Whether You Need a Roof Replacement or a Simple Patch Up

The rooftop which shields you and your family from the elements as well as protects the interiors is that part of the home which is vulnerable to suffer the maximum damage in the long run. However, when it comes to renovating the home, most homeowners or property developers tend to focus more on revamping the inner sections, postponing upkeep of the roof. The rooftop, needless to say, is the most significant structure of your dwelling that not only shelters you from the vagaries of weather but also help maintains the market value of the residence.

So, you can afford to continue avoiding taking care of the top of your house at your own peril. But how’d you make out whether you need to opt for a routine repair job or go in for roof replacement? Of course, reroofing either partially or wholly might be rendered a futile exercise and an expensive affair if a simple patching solves the issue. However, the line that demarcates patching from replacement can get blurry sometimes and therefore it is necessary to conduct research to get to the root of the issue. There are some tell-tale indications based on which you can decide whether roof replacement would be more feasible than repairing or vice versa.

1. Has your roof become too old showing signs of decay?

The roof serves as the protective layer or shield that weathers maximum wear and tear as well as damage from inclement weather. The rooftop braves the ravages wrought by rainwater, sultriness, heat, and snow in order to keep the inside of your home comfortable throughout the year. There must have been times when a snowstorm or hurricane wrecked heavy damage to the shingles and there are signs of the rooftop creaking as it not able to keep out hot or cold air with the same effectiveness as it once used to.

In case you built or purchased your dwelling in the seventies or eighties and didn’t carry out repair jobs periodically, it is high time you started considering roof replacement.

2. Is your roof simply leaking?

Don’t get unnerved if droplets of water fall on your head or if you spot dampness on the walls of your living room. It could be that leak or leaks may have developed on the roof or under the attic beneath the rooftop. After carrying out a thorough inspection if you find that only a particular section on the top, either on the eaves or an area between the shingles (or in the loft) is leaking, only a simple patchwork that plugs the seepage will fix the problem. In such a scenario, going in for reroofing will simply not be required.

3. Keep an eye on shingles

The shingles or pebbles on the roofs of homes situated in hot climes harden up and crack over time. In case you spot this issue, you can assume that the deterioration or damage is spreading underneath. Only a roofing contractor can tell you what’s going on, so hire one.

4. Repair and save

If you spot a leak, plug the seepage without delay and start saving for a roof replacement that may become unavoidable in the future.

Image credit: Bernhard_Staerck
Posted in Clearwater, Largo, Roof maintenance, Roof Repair, Roof Replacement, Roofer, Roofing, Roofing Company, Roofing Contractor, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on How to Tell Whether You Need a Roof Replacement or a Simple Patch Up

Shingle Roofing Repairs and Your Wallet

Shingle Roofing Repairs and Your WalletUnderstanding shingle roofing can mean all the difference between you preserving, maintaining and repairing your roofing accordingly or reaping the consequences of neglecting to do so.

In general, roofing and shingle roofing can be quite expensive for an entire roof – although can be affordable for a simple repair or replacement of a few shingles or row.
That is, barring you’ve had your shingle roofing done by a reputable professional, in the right ways, and it hasn’t outgrown its anticipated life-span.

Homeowners will often notice that the true potential of life-span and maintenance of their shingle roofing materials will come down to the weather and conditions it undergoes over the years. Naturally, the more winds and rain-storms the more likely deterioration will take place – especially in climates where there are extreme wet, hot, and cold shifts in the temperature. This is why shingle roofing tiles are often made of different materials, dependent upon the location or your budget.

Sometimes, home-owners might find roofing shingles sprawled out over their yard or the front of their property after a big storm or other powerful weather pattern or natural disaster. This isn’t ever really a good sign, but all hope isn’t lost! Contacting a professional – as well as insurance adjuster- to come out to your home to ensure the fastening mechanisms, safety, and efficiency of your shingle roofing can make all the difference between paying a small amount of money now, or thousands of dollars (or more) later!

It’s important to ensure that if you suspect you have coverage through your home-owners insurance for such damages, that you reach out to a professional and the insurance company itself as swiftly as possible so that you maintain accountability. Make it a point to take pictures of the tiles laying in your yard or ion your property, and if possible snap photos of the damages of the roof, including from up top – if possible and safe only.

A lot of people in these types of situations fear that the reporting and filing of a claim for such an incident is going to negatively impact their homeowner’s insurance premium. While such a worry is understandable, it’s not quite as probable as one might think. In fact, an insurance company is going to likely be much more pleased with repairing a small – weather related – damage to your shingle roofing than having to replace the entire roof due to neglect, lack of maintenance, or reporting. It’s most often those that don’t maintain their home and property, account for changes or necessary repairs, or come up with questionable scenarios and claims that insurance companies seemingly reject most often

Image credit: 123rf.com

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That Tile Roof Responsibility

That Tile Roof ResponsibilityWe all love tile roofs. They’re not only attractive, but efficient, and for many a way to be nostalgic with the home’s general appearance. Tile roofing requires certain responsibilities however. There are several ways for a tile roof’s structural integrity to become compromised, and there are steps to both prevent such damage as well as repair it.
This is all done on a gradient level. Let’s realize that although there are things you can do, hiring a professional in the tile roofing industry is always a wise choice.

First of all, tile roofing is tough, but it can get damaged by weather, accidents, debris, and even animals. You don’t want objects smashing into the tiles because in some key areas of the roof, just one compromised or damaged tile can cause a cascade calling for major roofing repair. Make sure that there aren’t any overhanging trees that allow for debris from the trees to fall or allowing animals access to your roof. Believe it or not, even animals as small as squirrels can damage a tile roof by prying around and weakening the seals. Animals are curious and might find your tile roofing something worth investigating and also a means of play. Opossums, cats, squirrels and other arboreal creatures might store food or objects under the uplifted tiles. This could allow water and more debris inside. Birds can be a menace too if you live in an area where the birds get big. They can land on your roof and actually break tiles. Shooing them away often helps as they realize rest won’t be easy on your roof. Watch out also for kids and adults playing around. Some flying toys or yard toys can fall on your tile roof and cause enough damage requiring repair. If possible, keep the playful family and friends at a good distance and ask them to take special care regarding the roof.

Once you’re comfortable with the preventative measures, you now should be concerned with what to do should damage occur. Don’t try to fix things yourself if you’re not experienced. The reason being is tile roofing is specialized roofing. Installed or repaired incorrectly and it can turn into a major headache to repair. If your roofing is properly waterproofed then it calls for a professional to look at any damage that has occurred. This will ensure that if repairs are done correctly, your home or business won’t suffer from the ravages of leaks. Leaks not only damage the structure but can invite a robust environment for molds to grow which can damage the structure or compromise the health of the occupants.

So the bottom line is, a tile roof is a specialized roof. It isn’t something that anybody can just construct and repair. Knowing your responsibilities in regard to them will make for better home ownership and equity all around.

Image credit: welcomia

Posted in Roof maintenance, Roof Repair, Roof Replacement, Roofer, Roofing, Roofing Company, Roofing Contractor, Tile Roof, Tips, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on That Tile Roof Responsibility

Why A Roofing Professional is BEST

Why A Roofing Professional is BESTThere’s a lot of DIY influence videos via the internet, as well as television when it comes to home make-overs, maintenance, and repair. Unfortunately, while it does work for very few, in reality it takes an individual with a certain level of experience, credentials, and funding to really bring these ideas, or “quick fixes” to life. Most of all, take into consideration—especially when it comes to roofing—that anything that’s labeled a “quick fix” is likely just that, will not be long-term, might be cheap, but also cost you more in the long-run.

Interestingly enough, it’s worth pointing out that for the same amount of money you spend on a “cheap fix” from the local market or ‘Home Depot’, that in the end, you’ll pay just as much to hire your own professional, or will likely need that money later on for your roof when you discover that the materials you purchased and used were only one third the value or purpose of the materials that professionals use.

Before hopping up on your roof and attempting a “quick fix” take into consideration the hazards associated with such—for example how simple it’d be to fall into, through, or off your roof due to a lack of experience or understanding of how the foundation of your roof works, and how to tread or work lightly and carefully on top without causing damage. The kind of damage we’re talking here is easily into the thousands, if not tens of thousands of dollars for repair. In fact, it’s even possible to cause damage to your roof and not discover it until later on, when it’s too late and the leaks have already come into your home. Even worse, such roof leaks could lead to further monetary damage, most specifically the kind in which your insurance company is unlikely to cover if and when they discover an inexperienced or unlicensed “expert” was on top applying cheap, low-grade materials in efforts to “quick fix” roof troubles.

A common setback associated with attempting to repair or maintain or roof on your own is that you’re likely to use materials contrary to the purpose, compounds, or mechanisms of other materials and technology that were used originally on your roof. In turn, this disturbs the integrity of your roofing, and can even negatively impact its total life expectancy.

Ultimately, taking all of these various variables into consideration within the dynamic of attempting roofing repair on your own, suddenly it does not seem so worth it anymore, and in turn will cause more harm than good. Don’t be misled or underestimate the true demands or roofing repair, or “quick fixes” that involve your roof, or anything else in your life for that matter that has serious professional service and maintenance needs, and elements in which you really don’t have much knowledge or experience of prior to such an attempt.

Image credit: Glen Jones

Posted in Roof maintenance, Roof Repair, Roof Replacement, Roofer, Roofing, Roofing Company, Roofing Contractor, Shingles Roof, Tile Roof, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on Why A Roofing Professional is BEST