Frequently Asked Questions (FAQ)
- How do you work with insurance companies?
- Selecting a contractor
- Project problems
- Technical questions
- Maintenance questions
How do you work with insurance companies?
We will guide you through the claims process. We offer a free, no obligation inspection by trained professionals to determine the scope of your storm damage. We will meet with your adjustor and work with your insurance company to ensure all necessary damages are covered by your carrier. A knowledgeable, helpful, and friendly Insurance Restoration Specialist will be with you throughout the entire process to ensure that you receive quality restoration to your home.
Q: How do I know if I have hail damage? A: Hail damage to your roof is not visible from the ground and can be difficult to recognize if you are not a trained professional. There can be obvious damages such as dents in soft metals (i.e. gutters, downspouts, aluminum siding, etc.) and holes or breaks in vinyl siding. However, it is recommended that a trained professional inspect your roof.
Q: What problems can arise from hail damage? A: Hail can impact asphalt shingles by loosening, fracturing, or removing granules. Over time, the hail impacted areas will expand and contract with seasonal temperature changes and create additional deterioration and granular loss. An absence of granules will result in no protection of the matting from sunlight, which will cause premature aging, possible leaks, and mold. The results of hail damage will also void the shingle warranty.
Q: How many estimates do I need? A: It is not necessary to get more than one estimate if insurance will pay for all but your deductible. Top That Roofing is experienced in working with all insurance companies and will make sure that you will not pay anything out of your pocket except your deductible. If a contractor gives you an estimate for less than the pricing determined by your insurance provider, you will not receive the difference. If we determine the repairs cost more than the pricing determined by your insurance provider, we will work with your insurance company to make sure they cover any additional costs.
Q; Will my insurance premium increase if I file a claim? A: Typically your premium will not increase because the damage to your home is the result of a natural disaster which was beyond your control. Contact us for a free evaluation of your home.
Q: What is my time frame for filing a claim? A: Most insurance companies have a limited claim period. Typically, if you have all repairs completed within one or two years without filing a claim, they are not required to fully indemnify you for your loss. You should file a claim as soon as possible to make certain that all work will be completed before the insurance deadline and to prevent any additional damage.
Q. I received three significantly different proposals from contractors. How should I decide which contractor to select? A. Clearly written proposals that are detailed and broken down into separate line items are a good sign that the contractor is being thorough and has prepared an accurate estimate. The following is a partial list of items your estimate or proposal should include:
- The type of roof covering, manufacturer and color
- Materials to be included in the work, e.g., underlayment, ice dam protection membrane
- Scope of work to be done
- —Removal or replacement of existing roof
- —Flashing work, e.g., existing flashings to be replaced or re-used, adding new flashing, flashing metal type
- —Ventilation work, e.g., adding new vents
- Who is responsible for repairing/replacing exterior landscape or interior finishes that are damaged during the course of the work
- Installation method
- Approximate starting and completion dates
- Payment procedures
- Length of warranty and what is covered, e.g., workmanship, water leakage
Q. I received several estimates to replace my asphalt shingle roof system and the prices vary greatly. A. If one estimate seems much lower than the others and it sounds too good to be true, it probably is. Many fly-by-night contractors’ below-cost bids seem attractive, but these contractors often are uninsured and perform substandard work. If an estimate is confusing, ask the contractor to break down the estimate into items/terms you can understand.
Q. My contractor is offering a one-year warranty on my asphalt shingle roof system-is that the industry standard? A. Before answering the question, a clarification needs to be made about the different warranties you will come across during your roofing project. First, there will be the asphalt shingle manufacturer’s warranty. In general, this warranty covers defects in the manufacture of the shingle. The period of coverage can range from 20 years to a lifetime. Once the project is complete, be sure the contractor provides you with a certificate for your records.
Second, the roofing contractor will provide you with a warranty on his workmanship. Typically, this will cover installation and related issues. The warranty should contain what items are covered and what will void them. Many contractors offer two or five years of coverage; however, there is no industry standard. See Top That Roofing’s warranty page.
Q. My contractor just started working on my roof and it’s the middle of winter! At what temperature is it too cold to install asphalt shingles? A. There are no specific temperature guidelines regarding when it is too cold to install asphalt shingles. Asphalt shingles do become brittle in cold temperatures, with fiberglass shingles more likely to break than organic shingles. Breakage can be minimized or eliminated if the shingles are stored in a warm area and loaded onto the roof a few bundles at a time. Another concern is that the self-sealing strips will not seal or bond sufficiently in cold temperatures. Hand-tabbing (the application of quarter-size dabs of adhesive to the underside of shingles) is recommended if the building is located in an area prone to high winds. This will help prevent the shingles from blowing off the roof until warmer weather arrives and the sealing strips can set properly.
Q. Only the underlayment has been installed on my roof and it rained last night. Now, the underlayment is wrinkled. Does it have to be replaced? A. If the wrinkling isn’t severe enough to affect the shingle installation (i.e., the wrinkling won’t telegraph through the shingles and they won’t appear buckled or wavy once installed), the underlayment probably can remain in place. The effects of wrinkling also will be minimized by using heavier weight shingles.
Q. My contractor installed the felt covering (underlayment) two weeks ago and hasn’t installed the shingles yet. How long can you leave underlayment exposed? A. Time is not the critical issue; the condition of the underlayment is what’s important. Wrinkled or buckled underlayment should be replaced so the shingles lay flat.
Q. During the reroofing of my house, the contractor left one side of the roof unprotected and when it rained, water entered the house and my ceiling and walls are damaged. Who is responsible for repairing the interior of my house? A. Before signing a contract, make sure that it contains language addressing who is responsible for any damage that occurs as a result of the roofing work. All items of concern and work to be done should be included in the contract.
Q. My contractor re-used the existing flashings on my roof and after he finished installing the new shingles, he left! I’ve left several messages with the company and no one will come back to install new flashings. Shouldn’t that be included in the work? A. If the contract didn’t specify the installation of new flashings, it wasn’t included in the original scope of work. Be sure that all items of work to be done are included in the contract before signing it.
Q. What is the best asphalt shingle to use on my roof? A. Asphalt shingle material performance depends of the quality, quantity and compatibility of asphalt fillers, reinforcements and surface granules. There are two kinds of asphalt shingles (based on the type of reinforcement mat used); fiberglass and organic. Fiberglass shingles are more fire- and moisture-resistant than organic shingles. Organic shingles have good wind resistance, high tear strength and can be installed in colder temperatures.
Asphalt shingles should be in compliance with American Society for Testing and Materials (ASTM) standards and applicable building codes. Fiberglass shingles should meet ASTM D 3462, ‘Standard Specification for Asphalt Shingles Made from Glass Felt and Surfaced with Mineral Granules,’ and organic shingles should meet ASTM D 225, ‘Standard Specification for Asphalt Shingles (Organic Felt) and Surfaced with Mineral Granules.’
Consumers also should keep in mind a roofing warranty’s length should not be the primary criterion in the selection of a roofing product or roof system because the warranty does not necessarily provide assurance of satisfactory roof system performance. See NRCA’s consumer advisory bulletin addressing roofing warranties for more information.
Q. One contractor’s bid includes No. 15 underlayment and another contractor says he only uses No. 30 because it’s the best. Who is right? A. For asphalt shingles, NRCA recommends a single layer of No. 15 asphalt-saturated underlayment be used with roofs having slopes of 4:12 (18 degrees) or greater. For roof slopes between 3:12 (14 degrees) to 4:12 (18 degrees), NRCA recommends a minimum of two layers of No. 15 underlayment. If you are installing a heavier-weight shingle with a projected long service life, using No. 30 underlayment instead of No. 15 would be appropriate.
Q. Are two layers of No. 15 underlayment the same as one layer of No. 30 underlayment? A. No. Two layers of underlayment are referred to as a “double-layer of underlayment” and there is a 19-inch overlap between layers. One layer of underlayment is called a “single-layer of underlayment” and there is 2 inches of overlap between layers. NRCA recommends a double-layer of underlayment for roof decks having slopes of 3:12 (14 degrees) up to 4:12 (18 degrees).
Q. My contractor wants to use staples instead of nails to install my asphalt shingles. Is that okay? A. NRCA recommends galvanized steel or the equivalent corrosion-resistant roofing nails for asphalt shingle installation. Also, verify the governing building code requirements and what the shingle manufacturer recommends.
Q. My contractor suggested installing a ridge vent on my roof and I already have two single static vents. Do I really need a ridge vent? A. NRCA suggests the amount of attic ventilation be balanced between the eaves and ridge. The intent of a balanced ventilation system is to provide nearly equivalent amounts of ventilation area at the eave/soffit and at or near the ridge. For a balanced ventilation system to function properly, approximately one-half of the ventilation area must be at or near the ridge.
Proper attic ventilation is one of the least understood concepts in residential roofing.
Q. My house has a roof with a 2 1/2:12 (11 degrees) slope. The manufacturer says it’s okay to use asphalt shingles, but my contractor says it isn’t. Who’s right? A. There are some manufacturers (and even model building codes) that will allow the application of asphalt shingle roof having that slope; however, NRCA does not recommend shingles on slopes less than 4:12 (18 degrees). Asphalt shingle roof systems are watershedding and rely on gravity and roof slope to effectively drain water off the roof.
Q. My house has a flat roof. What is the best roof system for a flat roof? A. There is no one roof system that is best for all applications. Keep in mind that even if you are using the best materials, your roof system still can be installed improperly and you could end up with a leaky roof. Good workmanship and proper attention to detail (e.g., flashing and drainage issues) are just as important as material selection. Also, maintenance plays an important role in roof system integrity and service life.
To assist you in your decision-making, homeowners should be informed of what is available. Please refer to the Roof System Types page to learn about the different low-slope roof systems.
Also, keep in mind low-slope roofing materials manufacturers may not offer material warranties to homeowners. The only warranty you most likely will be able to obtain is from the contractor. So it is critical you work with a professional roofing contractor and get a detailed, thorough proposal.
Q. How can ice dams be reduced or removed? A. Remove as much snow as possible, but call a professional roofing contractor if your roof is steep, the snow is deep or the ice is thick. NRCA does not recommend using ice picks or shovels (or any tool with sharp edges) because there is a chance of damaging roof coverings and flashings. NRCA also does not recommend hosing down a roof with water or use of a hot air gun. Electric heat cables generally have limited effectiveness.
Q. Can ice damming and backup occur without gutters? A. Yes, and it is more probable for roofs with lower slopes, especially in valleys and upslope from curbs, chimneys and penetrations.
Q. I want to use melting pellets to melt the snow on my roof. Will it harm the asphalt shingles? A. Generally, chemical melting compounds do not reduce the overall expected service life span of asphalt shingles. Staining may occur until all the residue is washed away. Calcium or magnesium chloride pellets are less harsh and stain less than sodium chloride.