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Roofing Contractor & Insurance Agent Selection Tips

20 April 2019

Our team answers homeowner questions every weekend on WCCO 830 AM from 9:00 am-10:00 am.  Have your most pressing home improvement questions answered by calling 651-989-9226 or texting 81807.  Here’s the must-know information our COO, Andy Lindus, shared on 4.20.19.

The winter of 2019 will go in the record books as being one of the most extreme ever witnessed in the Twin Cities.  A silver lining to the indoor/outdoor temperature variances was that it allowed contractors a definitive way to identify areas of the home that were losing energy.  The downside to such rampant weather was that it wreaked havoc in Twin Cities attics that may not have been immediately detectable by homeowners.  Recently, one of our insulation experts was in an attic that appeared to have had fire damage.  However, upon closer examination, the story and a half home with knee walls had such substantial moisture damage that there was widespread flaking on the rafter tails and a distinct dark hue to the attic’s interior.  To avoid a situation like this, it’s imperative to work with a roofing contractor that views the roof as an entire system.  This means proper installation of insulation, ventilation, shingles, flashing, and ice and water shield.  Frustratingly enough, oftentimes installation issues are not immediately evident, and the installing contractor may be out of business.  When buying a house, verify whether or not warranties on big ticket items such as roofing, windows, gutters, and siding are accompanied with transferable warranties.

Learn More About the Function of Ice & Water Shield: 

Many homeowner seldom give much thought to their insurance policy until it’s time to make a claim.  Adding to the stress of the situation can be finding out what they thought their insurance policy covers and what it doesn’t are two very different things.  A way to prevent this is to have a good working relationship with the agent you’re purchasing your insurance from.  They will take special care to see to it that the policy you’re committing to leaves you fully protected.  At times endorsements can change, and policies may need to be updated to ensure that a storm damaged roof is replaced up to code. Without this, a homeowner can be forced to pay out of pocket for anything other than a replacement of what was previously on the roof, even if it no longer meets building code.  Verify whether or not your insurance policy stipulates whether material placed on your home must match preexisting material if a full replacement is not needed.  While these endorsements may cost more upfront, they offer the ultimate peace of mind and make the claims process a much smoother experience.

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