You Don’t Know What You Don’t Know

Erika
March 16, 2020

We’ve all heard the horror stories from family, friends, even coworkers about how they needed work done on their home, decided to go with the least expensive option and then paid greatly on the back side of the project. Roofing is no exception. There are always going to be misleading, corner cutting, untrustworthy, and ill equipped people in every industry who maybe are a smooth talker and present their discounted pricing as if everyone else is “just trying to steal from you”. The saying is: “You pay for what you get”. In roofing it’s no different. So here are sine tips to help you pick the best roofing company for your next project.

  1. Make sure the company is licensed, insured, registered with the BBB, having a well recognized certification within the industry (for example being GAF Master Elite) is a major bonus, and has a strong/good online presence (website, can be easily found online, home office is real and current working phone number, etc.).

  2. Reviews & references-look up reviews and ask for personal references of clients they-the person knocking on your door-has built (meaning they have worked from beginning to end with from this year). If they bulk at this or tell you they don’t have any readily available-red flag!

  3. Never let someone who knocks on your door just hop onto your roof. If they are not properly insured and fall/get hurt they can come after you to cover their medical expenses.

  4. If it sounds too good to be true-it probably is. As in if they are saying they can get you a “free new roof!” or “I can totally cover your deductible!”, “You can get your roof replaced through a class Action lawsuit!”-run away!

  5. If they are heavily pushing you to file a claim on the spot be weary. Ask them if they are providing you with a Public Adjuster to handle the claim process on their behalf. We’ve worked a lot with clients who were pressured into filing a claim and then were denied because it was not filed properly. You do not want that.

  6. If you’re not going through your insurance and just paying for a new roof out of pocket get a few quotes from equal level companies. Also, use your head. If most quotes are 10-12k and someone comes in with a quote for 5k this is not the time to be frugal-and be concerned how they are planning to cover your entire new roofing system at such a heavily discounted price. That money is coming off somewhere-Skill? Workmanship? Materials? Labor? Warranties? Quality?

There are a lot of great contractors and roofers out there, but just like any industry there are some who are doing it the wrong way, are very uneducated, and are trying to massively cut corners. We are happy to come by any of your homes and complete a complimentary, no obligation inspection. We have had a major storms rock all of Georgia this year, and waiting until you have a leak is a catastrophic mistake. Understand that having a new roofing system installed (the right way) will only increase your property value & the overall neighborhoods property value.

So what are you waiting for? Contact us today to schedule your roof inspection because you don’t know what you don’t know!

Are You Really Covered?

Katherine
May 27, 2017

When using the insurance services you hoped you would never need, the last thing you want to discover is an unpleasant surprise in your policy coverage.  How often do you read your insurance policy renewal?  I’ll wait…

For the average person who does not read their annual policy renewal in detail, you may want to at least start looking at your declarations page.  The declarations page, a summary of your coverage, will answer at least three important policy question we ask all of our clients:

1. Is my dwelling coverage RCV?

RCV stands for Replacement Cost Value and having this type of policy will ensure you receive the full replacement cost to repair any damages to your home.  Otherwise, be prepared to receive only a partial settlement as the insurance companies have adopted the practice of depreciating claims.  An ACV policy, or Actual Cash Value policy, will leave you with significantly less money to get the job done right.

2. Do I have ordinance or law coverage?

Ordinance or law provides for compliance with local building code.  It allows for important roofing system elements such as drip edge, starter shingles, and ridge cap shingles.  Typically, it is underwritten as 10% of the dwelling coverage.

3. What is my wind & hail deductible?

Often overlooked, the wind & hail deductible can vary significantly from the general dwelling deductible.  It’s always prudent to know this figure.  A deductible written as a percentage of your dwelling coverage could leave you wanting.  Imagine a 2% wind & hail deductible on a $500,000 dwelling coverage policy–you’re talking $10,000 your insurer won’t pony up.  Don’t let this be news to you.

There are myriad other policy provisions, endorsements, exclusions, and other boring insurance jargon that could severely hurt your claim.  It is strongly recommended to have someone with insurance expertise review your policy before you move forward with a claim.  A Peachtree Restorations project manager will be happy to study your policy and guide you in the right direction at a complimentary property evaluation.

May 8th Denver Hail Storm By The Numbers

Katherine
May 27, 2017
  • $1,400,000,000 – Estimated cost of damage
  • 315,400 – Residential homes affected
  • 28 minutes – Duration of hail fall
  • 2.75” – largest hail stone reported to the National Weather Service
  • 3 – Average number of times Denver residents repair or replace their roofs in one home
  • 179% – Increase in Colorado homeowners premiums from 1997 – 2013 [RMIAA]
  • 54% – Catastrophe-related homeowner’s insurance claims in Colorado
  • IV – The Underwriters Laboratory highest classification for impact resistance
  • 35% – Average savings on homeowners insurance premiums with Class IV shingle
  • $0 – Cost of upgrading to a Class IV shingle with Peachtree Restorations
  • 1 – Call away to schedule your complimentary inspection
  • (855) 448-7663 – Phone number you can call today to claim your FREE $1,500 class IV shingle upgrade before June 31st

The May 8th hail storm is estimated as the most catastrophic in Denver history.  This expensive cycle has repeated itself, making Colorado one of only 5 states where more than half of all claims are catastrophe related.  What happens when insurance companies pay out $1.4 Billion in claims?  Your premiums rise.

But what if there was a way to see your ever increasing premiums decrease?  Insurers are willing to heavily discount your rates if you help protect your home…and that’s exactly what we are doing for our clients.  Through June 31st, we are offering a FREE upgrade to a Class IV impact resistant shingle to lock in your $600 yearly savings.  Call 855.448.7663 today to schedule claim this $1,500 value and schedule your complimentary evaluation.

Take Some Preventive Measures This Storm Season

Katherine
April 10, 2017

With Georgia’s storm season currently in full swing. It is important to take some preventive measures that could save you a lot of time and money! One thing we highly recommend is having your roofing system inspected by a HAAG certified inspector at least every 3 years to help catch any potential problems early. Best part about that is most professional roofing companies will provide this service FREE of charge. Another great tip is to make sure that you clean your gutters at least once a year. Your gutters are there to keep water off of your roof and your house. Not having fully functional gutters can lead to major problems. Whether you can clean your gutters yourself or hire a professional, it will definitely be worth it in the end!

Team Peachtree Restorations

Restoring Responsibility Starts in the Community

Katherine
December 12, 2016

Thank you to Springs Rescue Mission for allowing us to contribute to their great cause this holiday season. We truly believe that Restoring Responsibility starts in the community, and that is exactly where you can find us! If you are in the Springs and are looking for a worthy cause to support, please be sure to check into the Springs Rescue Mission.