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Drones And Denied Roofing Claims

ByTracy Bookman

The use of drones is becoming more common in the insurance adjusting industry, resulting in more denied roofing claims.  So, what do you do if your adjuster uses a drone to inspect your roof, but then denies your claim? Consider calling your  insurance company and requesting a second inspection.  However, be sure to ask for a different adjuster, and that the second adjuster not use a drone.  If you’re not comfortable calling the insurance company, ask your roofing contractor to call and request the second inspection.  Make sure, though, that your insurance company isn’t going to charge you for

Recoverable and Non-Recoverable Depreciation

ByTracy Bookman

Virtually every property insurance claim will include depreciation.  We want you to know the difference between recoverable and non-recoverable depreciation.  More importantly, we want you to understand which type your policy includes and how that will affect your claim. It’s important to understand how depreciation is going to affect you as a homeowner. So, recoverable and non-recoverable depreciation affects everybody who files a claim on their home.  Watch this video to learn more. Homestead Roofing, Inc is a licensed and fully-insured roofing contractor in Colorado Springs, Colorado.  We serve homeowners in Colorado Springs, Fountain, Falcon, Peyton, Manitou Springs, and

Upgrade To Impact Resistant Shingles

ByTracy Bookman

Is it worth it to upgrade to impact resistant shingles?  That all depends on what your goals are and what the product is that you’re considering having installed. There are really two benefits that you get by putting impact resistant shingles on your home.  The first is that you could get a discount on your insurance rates.  Some insurance companies give as much as a 28% discount to homeowners who have an IR shingle on their home. Another benefit is you may not have to pay another deductible.  That could work out to be a pretty substantial amount for

Five Questions To Ask A Roofer

ByTracy Bookman

When you’re interviewing roofers for your roof repair or roof replacement, there are five questions to ask a roofer. First, find out where there offices are.  Are they a local contractor and are they established in your community? Second, ask them what their contractor number is.  This will establish whether they are licensed to contract for roofing by your local building department. Third, ask them for a copy of their workers comp insurance certificate, and verify that it is current.  If they don’t have workers comp insurance, and one of their workers gets injured on your property, you may

Getting Three Estimates

ByTracy Bookman

Conventional wisdom says getting three estimates any time you have a big purchase to make is a good idea. But this idea could come back to bite you when hiring a contractor to replace your roof for your insurance claim. While it’s always a great idea to interview more than one roofing contractor, basing your decision on three estimates may lead you to make the wrong decision. If you’ve been told by your insurance adjuster, insurance agent, or friend that getting three estimates for your re-roof is what you need to do, be aware of the pit falls of

Know Your Deductible Before Filing A Claim

ByTracy Bookman

After the hail storms of 2018, many people had some unpleasant surprises when they discovered that their insurance deductibles weren’t what they thought they were.  It’s important that you know your deductible before filing a claim. Many insurance companies have been raising their deductibles, and homeowners aren’t aware.  Many think they still have a $1,000 or $1,500 deductible, which used to be pretty standard.  Some deductibles are now based on a percentage of a home’s value.  Some are even pro-rating based on the age of a roof. When your homeowner’s policy renews each year, it is recommended that you

Don’t Give A Roofer Money Up Front

ByTracy Bookman

One of the primary ways homeowners get scammed out of their money is by giving a roofer a deposit payment up-front.  A word to the wise is, don’t give a roofer money up front.   When the roofer disappears, so does your money! According to Colorado state law (SB38), a roofing contractor cannot collect a deposit payment from a homeowner until materials are delivered to the job site.  If a roofer asks for money up front, that should be a red flag to the homeowner.  Beware of “storm chasers”, who come into an area after a hail storm.  They are

Replacing Obsolete Concrete Tiles

ByTracy Bookman

Many times a homeowner will be in a tough spot if his roof has concrete tiles.  If the tiles are older than 8-10 years, you may be looking at replacing obsolete concrete tiles that can’t be purchased new.  If there are broken tiles on the roof, they’ll have to be replaced, but replaced with what? Thankfully, there are local sources where roofers can find obsolete concrete tiles.  We call them “bone yards”.  These are tiles that may have been removed from a home and salvaged for future use.  However, if a match can’t be made at a bone yard,

Make Sure Your Roofer Is Fully Insured

ByTracy Bookman

It’s critically important for a homeowner to know and understand the different types of insurance that your roofing contractor can and should have to protect you.  So, make sure your roofer is fully insured before you hire him. If you’re in the process of interviewing or hiring a roofing contractor, then this is information you need. Don’t hire a roofer without understanding what your potential liabilities could be.  At a minimum, a roofing contractor should have a general liability policy covering their company.  In addition, they should also have a workers compensation policy to cover them in case of

Should You Pull A Permit For A Roofer?

ByTracy Bookman

If a homeowner hires a contractor to do a re-roof on his house, in El Paso County, Colorado, there must be a building permit pulled.  Who should pull the permit?  Should you pull a permit for a roofer?  If the contractor asks the homeowner to do it, should that raise any “red flags”? If you’ve got a contractor that you’ve hired, or that you’re considering to hire, and he’s telling you that he needs you, the homeowner, to pull a permit, think long and hard about having that person actually do the work on your property.  Here are three
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