Hailstorms and Your Roof
Whenever a Colorado hailstorm rips through a community, homeowners are faced with the task of hiring a roofing contractor to inspect and repair the damage. The Colorado Roofing Association would like to remind home and commercial building owners alike, that there are several guidelines you should follow that will help you make an informed decision and to ensure that any necessary work will be done right.
Roofs… First line of defense against Mother Nature!
Why should I repair/replace the roof? Roofs are one of the most important parts of a home or building because they protect the structure from the natural elements such as wind, rain, fire, ice, snow, extreme heat and hail. If you have a damaged roof, you’re likely going to have problems within your home or building.
After a severe hailstorm and depending on the size and density of the hail, your roof could fall into an accelerated rate of damage that leaves you vulnerable to leaks. Over time, if ignored, water that leaks through tiny holes in your roof caused by hail can lead to serious problems on the interior including water damage, mold and other structural issues, as well as a roof collapse. This is why it’s imperative after a hailstorm that you get a professional to evaluate and assess the damage.
Review Colorado Residential Roofing Law
ATTENTION – ROOFING SPECIFIC LAW YOU NEED TO BE AWARE OF! On 6/6/2012, Colorado’s legislature passed new residential roofing laws C.R.S. 6-22-101 thru 6-22-105 (SB38). Be sure to educate yourself on the new requirements before selecting a contractor for your Denver roof repair needs.
- Review SB38 Statute – Colorado Consumer Protection / Residential Roofing Bill (C.R.S 6-22-101 to 6-22-105)
- Review SB38 FACTSHEETS for the items to look for when selecting a roofing contractor
- GET A CRA “NO ROOFING SOLICITORS” DOOR CARD. Print and post on your front door
- Asphalt Shingles NOT Recyclable
DON’T SIGN ANYTHING
If you are asked to sign anything by a solicitor knocking on your door, don’t sign it right away and don’t assume it is just an estimate or permission to get on your roof. The majority of the time it is a roofing contract and probably includes a 20% cancellation clause.
Take time to follow the necessary steps and understand that quality contractors will be busy shortly after a major storm. Find out what you need and who you’re working with! If your roof isn’t leaking, it can usually wait until the contractor you feel most comfortable with can schedule your roof. Insurance companies will usually extend time requirements in disaster situations.
- Use (Print) this handy Checklist with tips to help you make an informed decision about replacing your roof and selecting a trusted roofer.
Call your Insurance Company
It is solely the insurance adjuster’s job to assess the damage. It is the homeowner’s responsibility to choose the roofing contractor. Deductibles and insurance quotes should remain between the homeowner and the insurance company. A roofing contractor should not get involved in paying a deductible for a homeowner. It is illegal for a roofing contractor to offer to cover your deductible either in full or with coupon or advertising allowance (Colorado Revised Statute 18-13-119.5). They shouldn’t need to see an insurance quote in order to be able to do an INITIAL estimate for you.
- Understanding the Claims Process – to understand how the homeowners claim process works, we suggest you visit the Rocky Mountain Insurance Information Association’s website. RMIIA has helpful information to answer your insurance questions and a step-by-step guide to educate you on the insurance settlement process. Reviewing their “Hail Statistic” page will also help you become more informed and offers additional tips on what to do after a hail storm including a Hail Preparedness Toolkit flyer.
- Helpful Tip – When is the last time you reviewed your homeowners insurance policy. If you haven’t looked at it for a few years, you may find that you no longer have the same coverage you signed up for. With the dramatic increase in natural disasters, insurance companies are changing their policies. For example one “top 5” insurance company will no longer replace a roof older than 20 years and roofs older than 10 years are at replacement value. Deductibles for roof claims are also much higher then they used to be. Our advice – be sure to review your homeowners’s insurance coverage once or twice a year to ensure that it’s kept pace with your property’s value, has taken renovations and additions into account and other factors. Don’t wait until after the hail has hit!
Get a Professional Second and Third Opinion
When selecting your Denver roof repair contractor, or a roof repair contractor anywhere, it is a good idea to have more than one contractor evaluate and assess the damage. Make sure that you are comparing apples to apples in each bid and that you understand the proposal. A good estimate should be detailed, itemizing materials to be used and labor to be completed. Ask about a time-frame for the proposed work. While it is difficult for contractors to pinpoint an exact start date, they should at least be able to confirm a schedule for the work once it has begun and/or material has been delivered.
Check Out the Contractors
This is probably the single most important thing you can do to make sure you are a satisfied customer. A business history in the area is a must! A rule of thumb is that your contractor should have been in business in your community for at least as long as the warranty they offer. Call local references including friends and neighbors, as well as the BBB. Find out their permanent business address and phone number. Confirm that they are licensed as necessary with your local city or county building department so that your local building codes and requirements will be followed, including pulling permits and project inspections.
From start to finish, use good common sense when selecting someone to work on your home. Low bids can often mean someone is cutting corners to make a profit. Price should not be the sole determining factor when choosing a contractor. Determine your needs, don’t allow yourself to be pressured, make a smart decision and you’ll be pleased with your investment.
The agreement should clearly state materials to be used and labor to be performed, along with terms of payment and who is responsible for permits, etc. It should spell out how long you have to accept the prices quoted as well as if there are any penalties should you choose to cancel the contract once it has been signed. As of 6/6/2012, contracts in Colorado MUST HAVE a price (not just a phrase saying they’ll do the roof for whatever the insurance company pays). Never sign a contract with blanks. When you are ready to sign the actual contract, be sure that EVERYTHING you have agreed to is in writing.
Proof of Insurance
Proof of insurance, including Workers’ Compensation and General Liability, should be verified before the contract is signed and that the contractor is endorsed for roofing work. Be suspicious of those that are not 100% transparent about their level of protection. It’s important to always ask for verification from the company’s insurance provider. It’s not good enough to see a printed document as this can be easily altered. Any reputable roofing contractor should be willing to have their insurance agent send documents to you directly, usually via email. Workers Comp coverage can be verified at https://www.ewccv.com/cvs. And don’t stop there! While insurance will protect you monetarily, a contractor’s safety practices will spare you the emotional anguish, if not legal hassle, of an injury occurring on your property. Ask your contractor if they provide safety training to their employees or if they will engage in any type of formal safety plan while on your property. OSHA requires that all roofing contractors use fall protection.
Payment should not be made until you are satisfied with the completed work. Ability to finance labor and materials is a sign of financial stability of the contractor. If material is delivered to your home and then payment is requested, consider making a joint check payable to both the contractor and material supplier. You may ask for a full lien release as a condition of final payment.
This should be in writing and the contractor should be able to provide you with a sample for your review before signing a contract. From start to finish, use good common sense when selecting someone to work on your home. Low bids can often mean someone is cutting corners to make a profit. Price should not be the sole determining factor when choosing a contractor. Determine your needs, don’t allow yourself to be pressured, make a smart decision and you’ll be pleased with your investment.
Watch our Video Series: Hiring a Roofer & Filing an Insurance Claim
Check out our video series on hiring a roofer and filing an insurance claim. (Use the right column on YouTube to watch one or all 8 videos.)
Notes of Caution:
CARBON MONOXIDE RISKS CAUSED BY DAMAGING HAIL - If you’ve been hit by large hail we caution homeowners to check for damaged ventilation caps on your furnace/chimney. Contractors have been coming across damaged Type B Vents. Type B vents are basically exhaust pipes for gas furnaces and water heaters. Large hail can flatten or dislodged the vent cap lids, causing them to collapse and block the ventilation pipe’s opening and greatly reducing the ability of the vent to purge carbon monoxide. If you are concerned about potential dangers, check your vent caps right away or call a licensed heating and air conditioning contractor to come check it. Above all else, ensure that you have properly functioning carbon monoxide detectors in your home. These are just as important as smoke detectors.
BEWARE OF IMPROPER ROOF VENTILATION AFTER A ROOFING REPAIR! -Roof repairs aren’t usually a problem for many contractors, but what some new or uneducated roofing contractors don’t know is that by moving the vent stacks on the roof, they can unintentionally cause a carbon monoxide leak, which can be a hidden danger after a roof repair. It is possible for a roofer to unknowingly cause the portion of the vent pipes he cannot see in the attic to come apart when he works on or near the exposed section of the pipes above the roof line. Sometimes these pipes are only loosely connected and will detach with just slight vibration. Read more here.