Posts by Chad Burnett
Understanding Homeowner’s Insurance: Replacement Cost Value, Actual Cash Value, Roof Payment Schedules and Deceptive Practices
When purchasing a homeowner’s insurance policy, it’s critical to understand how different types of coverage affect what you’ll receive when you file a claim. Many policyholders assume they’ll be made whole after a loss, only to be blindsided by fine print that significantly reduces their payout. The three primary types of homeowner’s insurance payout policies…
Read MoreCan I Upgrade to a Better Roof After Experiencing Storm Damage?
If you have a hail or wind damage roof that is damaged beyond repair, your homeowner’s insurance company will pay to restore your roof to its “pre-loss condition” with “like kind and quality materials”. In other words, the insurance company will pay the full “replacement cost” of your roof with the same or similar roofing…
Read MoreImpact Resistant Class 4 Roofing Materials – Why Some Are Better than Others
What is the Most Durable Roofing Material? A “Class 4 Impact Resistance”, is the highest level of durability that is offered by the Underwriters Laboratories in their industry standardized impact resistance test (UL 2218). However, just because a roofing shingle has a Class 4 rating, it does not mean that it is the best or…
Read MoreMy Roof Has Storm Damage. Do I Need 3 Bids for My Insurance Claim or Must I Use My Carrier’s Preferred Contractor?
The short answer is NO! This article will explain how obtaining multiple bids or using a “preferred contractor” only helps insurance companies underpay claims. Follow the Money With most homeowner insurance policies (ACV policies being the exception), your insurance company is responsible for paying the entire cost of repairing or replacing your roof after you…
Read MoreWhat Credentials Must a Roofer Have?
To be a reputable and successful roofer, several credentials are essential. Each credential serves a unique purpose, contributing to professionalism, trustworthiness, and competence in the roofing industry. Before doing business with any roofer, you should do your due-diligence and make sure the roofing contractor is fully qualified to work on your home. These credentials should…
Read MoreWhen is It Too Cold to Install a Roof?
The short answer is it depends on what type of roofing material you want to install. Unlike most asphalt roofing, metal and polymer roofs can be installed in temperatures below 40° without compromising quality or voiding manufacturer warranties. On the other hand, asphalt roofs (with the exception of certain TAMKO products), should be installed in…
Read MoreWhat is Stone Coated Steel Roofing?
Stone coated metal roofing is a steel core product that is manufactured to look like regular asphalt shingles, wood shakes or clay/tile products. Manufacturers start with 26-gauge galvanized steel panels that are pre-primed with an acrylic film or epoxy. Then a poured on acrylic basecoat is applied. Next, the panels are embedded with stone chips.…
Read MoreWhat are Composite Polymer Roofing Products?
Polymer or composite roofing materials are synthetic products that are manufactured from various plastics and resins to look nearly identical to stone slate, wood shake, wood shingle, or clay tile products. Synthetic products are generally cast from molds or 3D images of real natural materials. These imitation products are available in a large variety of…
Read MoreWhat are the 5 Main Styles of Residential Roofing Systems?
When deciding to re-roof or build a new home, you may be inclined to begin your roofing research by exploring different roofing materials. However, because modern roofing materials come in a variety of styles, it may be better to explore the kind of look you like best and then decide on what kind of material…
Read MoreWhat are Metal Panel Roofing Products?
Metal panels are among the most durable and beautiful materials that you can choose to install on your roof. In this article, we will compare three popular metal panel roof systems: Standing Seam, Exposed Fastener and Stamped Metal. Two of these roofing types, Standing Seam and Exposed Fastener, have a similar look and are…
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