Buyer beware of the “Free Roof” approach by storm chasers

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We have received many calls from homeowners over the years who tell us a disturbing, yet common story.  They tell us a roofer knocked on their door, told them they have storm damage to their roof and they could be entitled to a new roof paid for by their insurance company. Many of these homeowners had roofs older than 10+yrs so the prospect of a “free” new roof sounds wonderful, because ultimately, they already know they are nearing the time to replace their roof. The “storm chasing” roofers say things like “it’s a no brainer” and “why would you want to pay $10k out of pocket for a new roof when I can help you get your insurance company to pay for a new roof with NO money out of your pocket?”

The majority of the insurance companies in Minnesota have caught on to this trick being played by  “storm chasing” roofers. Here’s what really happens:  They convince a homeowner there is storm damage to their roof and to file a claim for what really is non-existent storm damage. The insurance company sends out an insurance adjuster to inspect your property for storm damage. Insurance adjusters are trained to find damage, and when they don’t find any actual damage caused by a storm, they will deny your claim. Next you will receive a denial letter from your insurance company. Now your insurance company knows you have an old roof and they may also include a letter stating that you must replace your roof, at your expense, because it’s old and in bad shape through natural wear and tear.  This will most likely include a “deadline”. If you don’t repair or replace your old roof, your insurance company can consider the roof to be uninsurable and deny future legitimate claims.  The insurance company could also cancel your coverage, thus making it difficult and expensive to find new homeowners coverage.  Most “storm chasing” roofers will never tell you this because they know you’d never gamble with the chance of a “free roof” knowing it can backfire into you having to replace your roof, not with insurance proceeds, but with money out of your own bank account.

Many “storm chasing” roofers will claim they haven’t seen a single roof in your area without storm damage. This is often false and easy to bust by visiting the official NOAA storm reports of storm damage in your area (click here to see actual storm reports). The reason these “storm chasing” roofers love old roofs is because they think they can convince the insurance adjuster to pay for a new one because of the age of the roof, and sometimes the condition. If the insurance company doesn’t agree, no sweat off their back, they move along to the next home/town/state. Insurance companies don’t pay out claims for normal wear and tear to a roof, or even the age or condition of the roof. They only pay for legitimate storm damaged roofs.

Spring time is here and “storm chasing” roofers will be knocking on every door with an old roof offering the promise of getting your insurance company to pay for a new roof. Again, “Free Roof” will be their promise and they might even tell you “no money out of your pocket” and you will not have to pay your deductible (which is illegal and considered insurance fraud). But remember, there is no such thing as a free lunch and buyer beware.

We have been in the roofing business for over 15 years. We’ve worked with hundreds of homeowners and their insurance company’s on legitimate storm related claims. Our goal is to use our expertise to help you, the homeowner. We’ve taken an ethical stand that we will not put homeowners in a bad situation. If you’ve been approached by a “storm chaser”, give us a call for a second opinion. We’re not afraid to “turn down business” when we know it’s the right thing to do!

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Stop cleaning out those gutters!

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Why you should call today and have us install gutter covers tomorrow:
1. Climbing a ladder or working off of a ladder is always dangerous.
2. If you fall and hurt yourself, you will have to file a claim with your health insurance company. Homeowners insurance doesn’t cover the homeowner from getting hurt on their own property.
3. Gutters can become clogged all year around. Some gutters need to be cleaned 2+ times a year.
4. Gutter covers can help with damage from ice dams.
5. It is one of the cheapest home improvements ($3-$10/labor & material) that a homeowner can do.

Gutter covers make life easier by freeing up time to do other things than cleaning out your gutters. Don’t take the risk, call a PRO!

Call today for some of the different options and how these options can fit inside your budget!

Ice Dams a Cometh

Ice dam removal before and after - Limitless Exteriors and Remodeling - www.lermn.com

The winter of 2013-2014 has just begun, yet some are wishing it was over. Here in MN we just had some of the coldest temps in almost 20 years. As of today, 1/7/14, we have had 60+ hours of temps below zero (0). The forecast is finally calling for temps back in the 30s later this week. So what does that mean for ice dams?

Temps have been well below normal for almost the entire month of December 2013 and now into January 2014. Here in the Mpls/St. Paul Metro, we still have anywhere from 12-20″ of snow cover. Every roof in my neighborhood still has plenty of snow on it. Most gutters are thick with ice and I would guess that the downspouts are no help either. So what happens when the temps rise?

As soon as the temp outside rises above freezing, the snow on the roof tops will start to melt. Every roof is sloped so that water can drain off easily. But with ice dams on the eaves of the roof (the overhang), the snow that melts higher up has no where to go. Water runs down the roof and then hits a road block or ice dam. Gravity is responsible for moving water off the roof, but an ice dam will stop water in its tracks. Eventually water will travel up the roof and will try to get underneath the roofing shingles. Once that happens its only a matter of time before you start seeing water spots on your ceiling. So what can you do?

There are ways to help alleviate the problem of ice dams:

1. Check your attic for the proper amount of insulation. Ice dams can form when the attic is much warmer than the outside temp. Adding insulation will slow down the transfer of warm air from the inside the house up into the attic. When your attic is the same temp as outside, there is no direct heat to help melt the snow on the roof. In MN, building code suggests a minimum of an R-49 for attic insulation or anywhere from 16-20 inches of blown-in insulation. Spray foam is the absolute best form of insulation, but it comes with a hefty price tag.

2. Make sure you have proper ventilation in your attic. Proper attic ventilation needs both intake and outtake. Intake comes in the form of vented soffits/overhangs or gable vents and outtake comes in the form of turtle vents, power vents or whirlybirds/turbines. If heat is escaping the house and getting into the attic, then you must have good ventilation. The warm air must be vented out before it starts melting the snow on the roof which then causes ice dams.

3. Rake your roof after a snow storm. The overhangs/soffits (usually 2-3 feet up a roof) on the roof are usually unheated and this is the area where ice dams form. By removing the snow from these areas, ice dams will not have had a chance to form and thus any water will have a clear path off the roof.

4. Install heating cables. Once again, the best method of preventing ice dams is to prevent them from forming. By installing heating cables in the areas that have ice dams (soffit/overhang, valleys, front entries), all you have to do is turn them on when temps are above 30 degrees and watch the snow melt off.

5. Hire a professional to remove the ice dams. I would advise anyone to hire a professional for anything involving your roof at anytime. But adding water/ice/snow to a sloped roof can make things extremely dangerous. Hire a professional that has the expertise and equipment to get the job done while you are safe inside the home. Professionals will use either a hot water pressure washer or steamer to remove ice dams. Expect a price of anywhere from $150-$400 an hour for this service, with a minimum of 2-3 hrs. Other professionals will use hammers, chippers or shovels to remove ice dams. Expect anywhere from $25-$100 per hour per guy, with no minimum. Caution must be used when using hammers/chippers as to not damage the roofing shingles. There are projects out there that don’t always require a steamer/hot water pressure washer to remove snow/ice dams.

Limitless Exteriors and Remodeling is your full service contractor. We are here if you need a new roof, ice dam removal, spraying/painting a ceiling, attic insulation, and installing attic vents. We offer a free inspection and estimate for all customers. And remember that procrastination can only cost you more in the long run, so get us out now before those ice dams start leaking!