- What is a commercial roofing system?
- What is a residential roofing system?
- My storm was damaged by a storm. What do I do?
- My roof is leaking. What should I do?
- There are spots on the ceiling. What does that mean?
- What is hail damage? Can I look at my roof myself?
- My insurance company said I don’t have any damage. However, some months have passed and my neighbors are getting new roofs. What’s going on?
- My roofer told me that I may need a re-inspection. What does he mean?
- How do I pick the right residential roofer?
- How do I choose the right commercial roofer?
- I don’t understand my insurance paperwork.
- I own a building. My property was damaged and I’m looking at having to file a large-loss claim settlement. What should I know?
- My roofer wants to see my insurance paperwork. Should I show him?
- What would be a good price for a new roof?
- How much does commercial re-roofing cost?
- What is roof restoration?
- How can my roof save money?
- Can you cover my deductible?
What is a commercial roofing system?
In simple terms, a commercial roofing system describes all of the requisite roofing components in a commercial roofing project. Each manufacturer innovates its roofing system with components that all work together. For instance, in a membrane roof system, there are three primary parts: weather-resisting components, reinforcement, and surfacing.
The weather-resisting components prevent water from entering the roof assembly. The reinforcement helps the membrane maintain its strength, durability, and puncture resistance. Last of all, the surfacing protects the weather-resisting components and reinforcement from sun damage and weathering effects.
Products such as underlayment, roofing material, adhesives, and other items necessary for installation are part of the manufacturer’s system. Should a contractor wish to obtain a manufacturer warranty on the installed roof, they must use only the materials and supplies specified for this system. They are also required by the manufacturer to be a certified installer in that roofing system and to follow the manufacturer’s installation guidelines to be eligible for the warranty.
Many commercial roofing systems on the market incorporate membrane products or hard materials. However, recent innovations within the last few decades have brought new roofing systems to the fray. One such creation is fluid-applied roofing systems. Oftentimes these roofing systems don’t require extensive tear-off as an extensively aged or weathered traditional roofing system demands.
Fluid-applied roofing systems include roof coating systems, or roof restoration systems. To be applied properly, an existing roof substrate must be thoroughly cleansed and prepared. Thereafter, a primer or other bonding agent is applied to the substrate, followed by the rest of the coating system, with a roller brush or sprayer. Fluid-applied roofing systems involve components such as primers, coating products, caulking, high-grade fabrics, and other items.
What is a residential roofing system?
At a fundamental level, a residential roofing system is much like a commercial roofing system. It is intended for homes and residential properties. A residential roofing system includes several parts required for installing a residential roof. All residential roofing manufacturers include four or five items in their roof systems. They include the underlayment, shingle, starter shingle, hip & ridge cap, and valley material which complete the system. Homeowners are able to obtain the full manufacturer warranty on their roofing systems.
Unlike a commercial roofing system, fasteners and adhesives aren’t necessarily used. Industry standards dictate what is required in these areas. Other residential roofing systems besides shingle roofing, such as metal roofing, may incorporate fasteners in their installation. The residential market is growing in its use of other materials, including metal, stone coated steel, tile, slate, and more.
My roof was damaged by a storm. What do I do?
The most important course of action is to remain calm. If the storm was bad and your roof is compromised, it’s important to get any exposed areas covered. Reach out to a local roofing company (Tri-State Commercial Roofing) as soon as possible for an emergency cover. It will minimize the damage to your home’s interior and your belongings.
Your insurance company will cover expenses related to this, as it helps reduce the amount of money it may pay if further damage was done to uncovered areas. If the roof isn’t compromised, then it’s not as urgent. However, you still need to have a roofing company assess your property’s condition. Even if you can’t see damage, it doesn’t mean it’s not there.
We recommend that you call Tri-State Commercial Roofing first to examine your property. We’ll inform you of its condition, if it’s damaged, and if you need to involve the insurance company.
My roof is leaking. What should I do?
If you know or think you have a roof leak, request a hassle-free, on-site roof assessment from Tri-State Commercial Roofing. If left unattended, roof leaks can turn small problems into bigger, more costly issues. Say some areas on your ceiling are yellowed or stained. It may be from a water leak above your ceiling line. The leak may be coming from your roof or plumbing. If you see anything like this, call us!
There are spots on the ceiling. What does that mean?
Spots on your ceiling may indicate a water leak of some kind above the ceiling. It may be a roof leak or even a plumbing issue. Either way, we’ll be happy to perform a free assessment to determine the cause. Tri-State Commercial Roofing can also assist you with fixing the stain or any leak damage.
What is hail damage? Can I look at my roof myself?
Hail damage takes many forms. It may be a split, bruise, dent, or any other form of impact from where the hail hit your roof surface. Hail damage can vary depending on the type of surface the hail hits.
Oftentimes hail damage isn’t visible from the ground. Even when you’re on the roof, it may not visible to an untrained eye.It’s best to get an experienced professional to inspect your home or property. Tri-State Commercial Roofing has many experienced professionals to assist you. Call us today to request a no-cost evaluation!
My insurance company said I don’t have any damage. However, some months have passed and my neighbors are getting new roofs. What’s going on?
- Hail may have missed your home. Or your roofing materials may be stronger or newer. For instance, architectural shingles are more durable and tend to last longer than three-tab shingles.
- Sometimes an inexperienced adjuster overlooks hail damage. Insurance adjuster positions tend to have high turnover due to extensive travel and timing demands. When large storms happen, insurance companies tend to hire new adjusters to help manage all the claims. Some of these new hires have little-to-no experience. Your assigned adjuster may not be well-versed in the subtle signs of hail damage or other “hidden” storm damage.
- Say hail came through your area and was the size of a golf ball. In that case, the bruises may not show. The damage won’t be apparent until rainfall washes the shingle granules away from the bruises area.
- Sometimes an insurance adjuster just has a bad day. Hence we advise you have a capable roofing professional assess your roof first. Then we can have a Tri-State Commercial Roofing representative with you when the adjuster comes for their evaluation. Call us!
My roofer told me that I may need a re-inspection. What does he mean?
As a policyholder, you have the right to seek a second opinion from another adjuster. A “re-inspection” is the term used to describe when you seek a second adjuster opinion. The majority of insurance companies will be open to sending a supervisor to double check your roof. It’s a matter of being sure they didn’t miss anything the first time around.M
If you do opt for a re-inspection, be sure you get a different adjuster. If the same adjuster comes out to re-inspect your property, they likely won’t be happy you’re seemingly questioning their judgment. They’re more likely to not change their opinion from their first inspection.
How do I pick the right residential roofer?
The residential roofing market is filled with unscrupulous contractors. Many of them are fly-by-night roofing companies. It’s important to know whom you’re hiring. Here are some factors to keep in mind:
- Check up on the company’s corporation status
- Many roofing companies with troublesome records slightly change their names over and over so they avoid warranty and legal responsibilities
- Ask for the business’ articles of corporation paper – it should match the name of the contract exactly
- Inquire about how many years the company has been in business
- Ask about how many years of experience the contractor has
- Check online reviews and references from other homeowners
- Check supplier references – the company’s credit status with their suppliers is an indicator of business conduct
- Depending on where the company is working, bonding and insurance may be required – check the company’s bank references
- Companies such as Angie’s List and Locals Love Usprovide additional insights into a company’s past customer interactions
- It’s not always best to settle for the least expensive bid – many fly-by-nighters low-ball their pricing and will leave you with a shoddy roof
- Even when you’ve done extensive due diligence, there may be other things to check
- Go with your gut and select who seems the most professional and best-suited for your needs – relatives or friends can also help with decision-making
How do I pick the right commercial roofer?
The commercial roofing market doesn’t suffer from fly-by-night roofers as much as the residential roofing market does. But when it comes to a commercial roofing project, tens, if not hundreds of thousands of dollars are at stake. It’s important to be sure the contractor you hire knows what they’re doing. A manufacturer warranty requires ongoing roof inspections and maintenance to stay valid, too. You want to be sure the company you choose will stay in business.
Factors to consider include:
- The business’ corporation status and past record
- Years of business operation
- The years of experience a roofer has
- Are they licensed & insured
- What extent of insurance coverage they have
- What solutions they are proposing
- The extent to which they educate you on proposed solutions
- Any membership in industry associations or organizations
- Efforts to engage in continuing education & training
- The extent of warranty coverage behind the proposed solution(s)
- How many customers they’ve served
- The company’s local reputation
- Are they a certified installer of the system they’re offering you
- The extent of their commercial roofing expertise
- Their history of handling roofing projects like yours
In short, the right commercial roofer will make you confident they know what they’re doing, will complete the job right, and will be around to provide ongoing caretaking.
I don’t understand my insurance paperwork.
There is no across-the-board standard for insurance paperwork. Every insurance company has its own format or way in how it communicates information to policyholders. There are two types of homeowner insurance policies.
One is a “Cash Value” policy. This type of policy pays only the actual cash value of your property at the time of the loss. It’s calculated by taking the replacement value of the damaged property (in this case, your roof), determining your roof’s age and subtracting an amount for depreciation (the older your roof is, the greater this is), and also subtracting your deductible (usually 1% or 2% of your home value). It ends with the cash value of the roof at the time it took damage. Under this type of policy, you will receive just one check.
The second type of policy is “Replacement Cost Value” policy (or RCV). It’s more common than a Cash Value policy. In an RCV policy, once the damaged property (roof) is restored, you are allowed to recover the depreciation withheld.
An RCV policy is calculated much along the same lines of howa Cash Value policy is calculated. The replacement costs are accounted for. Then the depreciation and deductible are subtracted. Afterward, you receive your first check from the insurance carrier. It’s a cash value check.
Once your property is restored, you (or your contractor) will provide an invoice for repair to your insurance company. Thereafter the insurance company will release the depreciation amount or the invoice amount – whichever is the lesser amount. Whatever amount due remains is your deductible amount depending on your policy.
In a nutshell, RCV = (First check) replacement costs – depreciation – deductible = Cash Value. Once your property restoration is complete, the second check will be the recovery of the withheld depreciation. Should you not restore your damaged property in whole, request and recovery of the withheld depreciation is fraudulent activity.
If you’re still confused about any of this, call us so we can help you understand!
I own a building. My property was damaged and I’m looking at having to file a large-loss claim settlement. What should I know?
Claim settlements on industrial or commercial buildings are more complicated than they are for residential properties. For instance, let’s say you own a manufacturing plant. Claim preparation will involve more than just property damage. It will need complex, comprehensive reports of any physical damage to your building asset, any business disruptions, and damage to equipment & inventory.
If you’re facing this situation or you think it’s a possibility in the future, call us! We have resources which can be of great assistance to you in navigating this complicated process.
My roofer wants to see my insurance paperwork. Should I show him?
Yes. Your roofer should help you with your claim. This begins with meeting the adjuster on-site and going over the details of your loss sheet paperwork. In many instances, your roofer can help you benefit more when they see your insurance paperwork.
Claims assistance won’t have an effect on service pricing or the agreement you make. Your insurance company may even owe you for other items besides the roof. These items could include gutters, windows, screens, air conditioning units, siding, and more.
What would be a good price for a new roof?
In a nutshell, it depends on many factors. Please contact our office to arrange an on-site roof assessment and request a customized, no-obligation estimate.
How much does commercial re-roofing cost?
It’s hard to estimate how much a commercial re-roofing would cost. Ultimately it boils down to many factors: the extent of tear-off needed, new material costs, how long the project will take, how many penetrations your rooftop has, your roof’s pitch, and other dimensions. Also, it’s more accurate to have a per-square-foot rate for estimating re-roofs on many building assets instead of just on one facility.
In general, re-roofing costs can vary greatly. One study found on a roof with average dimensions of 10,000 square feet, a new commercial roof can cost over $4.25/square foot. According to consulting firm Benchmark, on the majority of retail projects it’s examined, re-roofing costs ranged $3.50-$6.50/square foot. Likewise, other industry studies found on more complicated re-roofing projects, costs could vary from $7.00-$12.00/square foot.
It’s also noteworthy to report that industry studies have found as much as 80% of roofs are replaced prematurely.
What’s roof restoration?
Roof restoration refers to a process which uses reflective & emissive supplies to extend an existing roof’s lifespan. These restoration products are fluid-applied, and once they’ve been put down they harden to form a seamless, reflective, waterproof membrane. The new membrane chemically bonds to the existing roof substrate and maintains full adhesion.
Major code approval agencies have found roof restoration systems to be effective protection solutions. They withstand the effects of fire, strong winds, UV damage, hail & other damaging agents. Plus since they often don’t require intensive tear-off, they are more environmentally sustainable and less costly than re-roofing. In fact, a roof restoration can be as much as 33-50% less expensive than a complete replacement project.
Additionally, with their white surfacing, a roof restoration system can pay for itself. Our roof coating systems may give 30% A/C cost savings per year, along with cost savings in other areas. If you’re interested in seeing if roof restoration may be a viable option for you, call us!
How can my roof save me money?
You roof can save money in a number of ways. A newly installed Class Four impact-resistant roof will qualify you for discounts on homeowner insurance with many insurance companies. Another way is equipping your roof with energy-efficient materials.
Items like IR reflective shingles, which are coated with a more reflective granular surface, cut down on heat radiation in your home’s attic. There is also a radiant barrier decking product, or a radiant barrier underlayment, which will assist in reflecting heat off your home. It will help your home consume less energy.
Finally, there are roof ventilation products which allow for greater air flow within your attic. Should you be interested in any of these options, call us for more information!
Can you cover my deductible?
Tri-State Commercial Roofing doesn’t endorse this practice. Waiving deductibles is considered a grey matter ethically in our industry. Homeowner insurance policies don’t allow a roofing company to waive your deductible. Once your project is finished, your insurance company pays with the understanding that you’ll cover your deductible.
In fact, some insurance companies won’t release monies to cover a claim unless a contractor proves that the homeowner paid their deductible. Other insurance carriers may come onboard with this approach in the future. Should you choose a roofing company which will waive your deductible, you’re putting yourself in a situation which may have negative, future consequences. At Tri-State Commercial Roofing, we operate on high standards of ethics & integrity, and we won’t take this approach.
Should you have any questions not answered here, don’t hesitate to contact us or call our office. One of our dedicated representatives will help you. Thank you for your interest and consideration!