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Denied or Partial Payments on Hail Claims for Your Roofing in Colorado Springs


May 24, 2017

A hail storm can be a stressful event. Not only is your home or other property damaged, but now you must go out of your way to make sure it is fixed. During this process, you work with your insurance company to have your damage fixed. In some cases, insurance will not cover your full claim. Then what? Get an overview on hail and insurance, tips on submitting your claim and learn about denied or partial payments.

Hail Insurance Overview

As a homeowner, it is important for you to know what types of storm damage is covered by your homeowner’s insurance. Particularly, you can ask to see what hail damage coverage is. You don’t want to wait until it’s too late, so be sure to reach out to your insurance agent as soon as possible if you don’t know. Upon having a damaging hail storm, you will submit a claim to your insurance agent. From there, you have a deductible. The deductible is the amount that you, the homeowner, must pay before insurance will pay for the remainder of a claim. For some it is $500. For others, it could be $2,500. Therefore, it is important for you to be aware of how much your deducible is before a hail storm hits.
 

Submitting Your Claim

 Once a hail storm is over and it is safe to walk outside, you will need to inspect your home for damage. Be sure to check the roof, gutters, siding and any of your property that was exposed to the storm. From there, any damage you find you will want to be sure to document. Take a camera or smartphone to get pictures of the destruction. Once you have finished your overview of your property, you will want to put in a claim with your insurance company. From there, they will send out an adjuster to assess the damage. The adjuster will look at your damage, review your policy and then work with the insurance company to finalize an amount that will be covered once you pay your deductible. Depending on the situation, you will be issued money that you can use with a local roofer to pay for the repairs. For more tips on filing an insurance claim, read Nasdaq’s “Tips for Filing an Insurance Claim After a Hail Storm.”
 

Denied or Partial Payments

Depending on what the adjuster finds when it comes to the damage from the storm, they may or may not cover all the damage. If your insurance company comes back that they will only partially cover damage, or will not cover any of it, that isn’t the be-all, end-all. You can contact your agent to discuss the situation. They may be able to have another adjuster come out for a second opinion. In some cases, depending on the age of your roof, the adjuster may have found things that could have been damaged prior to the storm. You can also work with a roofer to help get assistance when it comes to submitting your claim and dealing with the insurance company.

 
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Your Bi-Annual Roofing Maintenance Checklist from Your Colorado Springs Roofer


May 17, 2017

To ensure your roof and structure of your home is intact, it is important to do bi-annual checks of your property. It requires some work and maintenance to clean up different elements. If you had not yet planned on checking your roof and exterior this spring, make sure you get it on your calendar.

From roofing and gutter needs to checking the exterior and interior, add these items to your checklist from your Colorado Springs roofer:

Roofing

For inspecting your roof, you will need a safe and sturdy ladder that you can use to get a good visual of every element of your roof. For the most part, you should be able to see the entire space without having to walk on the roof - it is not safe to walk around on your roof if you are not a professional. When looking, you will want to inspect to look for missing, damaged or curling shingles. Next, look at the flashing which is the metal that goes around corners and angles on your roof that keep water from getting into your home. Check to make sure the seal is still solid and there are no cracks or missing caulk. Last, you will want to make sure there are no sitting areas of water on the roof, as well as areas of moss or mold growth. If you notice any of these issues, it is crucial to repair them. If you are comfortable, you can handle some of the repairs yourself. However, if you have any doubts, it is best to contact an experienced roofer to come and properly assess your property.

Gutters

At the same time, you inspect your roof for issues, it is also important to check your gutters. You need your gutters to be completely clear. Any debris can hinder them from flowing water off of your roof properly. If your roof does not get all the water moving, clogs can lead to gutters bowing, bending or breaking. If water happens to fall alongside the house, this can lead to foundation issues. As you are checking, look for any leaves, twigs, debris or more that are clogging your gutters. Make sure to remove them or ask your local roofer if you bring one in to clear them for you. In addition to looking for debris, it is also important for you to check the condition of your gutters. If they are rusting or look damaged due to age, it is time to consider replacement. For more tips, review DIY’s Tips for Cleaning and Repairing Gutters.

Exterior and Interior

Last on your roofing maintenance checklist, you will want to inspect the exterior and interior of your home for damage. Walk around your home to make sure there is not any damage to siding, windows or doors. Any holes or damage can lead to air and water leaks in your home. Next, go inside your home and look at the ceiling and walls on the highest level. If there are any water spots or known leaks, you will want them to be fixed immediately. Any water that sits in the home can lead to the growth of dangerous mold.

The help of an expert, K1 Roofing, can help you ensure your roof, gutter and home maintenance is properly completed. If your roof is in rough shape, check out our guide Colorado Springs Roofers Tip: Identifying When Your Roof Needs To Be Replaced. To get started, contact us at 303-953-8275
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Tips for Choosing Reputable Companies from Your Denver Roofers


May 10, 2017

If your heating or cooling goes out, you have electrical issues or a potential leak in your roof, you will need to contact a contractor to review and fix the issue. In that moment, your top priority is getting the issue fixed, but did you realize that by hiring a company that does low quality work, you could be looking at a more expensive fix in time? Often, unestablished or inexperienced companies with poor reviews can damage other areas of your home. Learn the downsides to unverified services, how to choose a reputable company, and how to deal with insurance claims from roofing companies in Denver.

The Downsides to Less Reputable Companies

When you aren’t working with an established contractor to fix issues in your home, they may actually be making things worse. For instance, you may have a trade that needs to get on your roof and inspect issues, and they unknowingly put holes in your roof leading to a leak. If not fixed right away, this issue will grow progressively worse over time. Either way at this point, you will have to contact a reputable roofer to fix the leak. Next, you could find a company that does not respect your home. If you have contractors coming in with muddy or dirty shoes on, it can greatly hurt your flooring. The mud and dirt can stain your carpet. If you have wood flooring, certain individuals may not wipe their shoes before coming in which could lead to particles catching on your shoes and ruining the wood.

Choosing a Reputable Company

So how do you choose a reputable company to care for your new home? Do your research on companies. Do they have high ratings? How long have they been in business? What services do they offer? How is their customer service? As you contact around for a contractor, you can get a gauge for each of these aspects in a phone conversation. When trying to find someone to call, look at what experiences others in the area have had. However, when reading reviews, do note that people find it easier to leave bad reviews over good ones. As you read, know that just because there isn’t a great review on a place does not mean they are a bad company. However, a quality contractor will fix any issues they may have caused and will avoid hurting other areas of your home. For instance, some could create problems in your roof, hurt your structure or more. Aim to find companies that have not done this when you need to make repairs.

Dealing with Insurance Claims

A great contractor can help walk you through what you need for insurance claims. Insurance can be an intimidating feat for property owners. When you need to involve your insurance company in fixes, talk to the contractor and see how they can help you through the process. A great company will be well versed and can walk you through each step of the way.

For more tips on finding a great trade, read the Federal Trade Commission’s Hiring a Contractor. When it comes to finding a great contractor that you can trust to handle your needs, K1 Roofing and Restoration can fix or replace your roof plus handle siding, gutters and windows too. Learn more about our roofing and restoration services in Denver and contact us at 303-953-8275 to get started.
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The Pros & Cons of Using Slate Roofing in Denver


May 3, 2017

Installing a high-quality roof can enhance the overall appearance of your home, prevent the development of leaks, and increase the value of your property for reselling. However, when designing your roof, you must first determine which types of roofing shingles are best to utilize in your particular case. Many people consider slate as the premier shingle material for a roof. If you are interested in having a new roof installed, you should learn about the pros and cons of using slate for Denver roofing:

Pro #1: Beauty

The top Denver roofing companies can provide slate shingles that display an exceptional appearance. Slate is a natural stone that can be heated and cut to form attractive looking roof shingles. Many people enjoy the aesthetics of slate shingles as well as their versatility. For instance, you can choose from a wide variety of colors, shapes, patterns, and thickness levels. The options should enable you to easily find a slate shingle style that is appropriate for your roofing needs and aesthetic requirements.

Pro #2: Durability

Another advantage of Denver slate roofs is that the material is extremely durable. The hard surface of the stone shingles can prevent the material from incurring damages. This material can withstand heavy snowfalls, powerful hailstorms, and frequent rainstorms without the shingles cracking or fading. Additionally, the strong material can often endure intense wind gusts without the shingles becoming loose or dislodged. This superior durability is especially beneficial when considering long-term value of your investment. Dislodged shingles and damaged flash systems can facilitate leaks that are very destructive to your belongings and expensive to repair. In contrast, durable slate roofs require minimal maintenance, can resist being damaged by storms, and can reliably protect your belongings from detrimental leaks. Learn more about how to preserve slate roofs.

Con #1: Heavy

A disadvantage of slate roofs is that the natural stone slate shingles are generally heavier than other options. Some residential or commercial properties might not be able to support the heavy weight of the shingles, which can damage the structure of your property if not properly installed, and you might need to have reinforcement added to the structure to provide additional support for the heavy shingles. However, the top roofing companies can help you overcome this challenge. The experts can conduct evaluations of your property, determine if the structure of your home or building can support the slate shingles, and add reinforcement support to ensure that the shingles can be safely and successfully installed on your roof.

Con #2: Sometimes Costly

Slate roofs are also relatively more expensive than traditional asphalt or wood shake shingles. Many factors contribute to the higher costs of the slate shingles, including the rareness of the stone material and the difficulty of the installation process. However, these shingles can be cost-effective and save you money in the long run. For instance, the appearance and quality of the material can increase the value of your home and the durability and longevity of the shingles can enable the roof to stay intact for an extensive period of time without needing to be repaired or replaced.

Contact K1 Roofing to handle any of your roofing needs. With over 20 years of combined experience, our expert staff has earned a prestigious reputation throughout the Denver area for satisfying customers with our superior roofing services. We provide full and customized roofing services, we use the best materials on the market, and we would be glad to install a slate roof that can enrich the beauty of your roof and maximize the value of your home.
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Tips from Your Denver Roofer: Dangers of Mold and the Role Your Roof Plays


April 26, 2017

Mold is often a silent danger that over time can become a hazard in your home to anyone that is exposed to it. Standing water is one of the leading causes of mold and your roof plays an important role in keeping this from happening. Once a leak occurs, it can lead to mold growth in your home. Learn what mold is, how a leak in your roof can turn into mold and warning signs to watch out for from your Denver roofer.

What is Mold?

Mold is a type of fungus and can be a variety of colors such as black, green or purple. In homes, an environment that houses some type of moisture can lead to mold, which releases spores into the air - and this of course can be dangerous to humans. Mold can begin to grow in certain environments in dark environments that are exposed to water and are humid. This is the perfect environment for mold to thrive. From there, mold spores can spread throughout your home. Anyone exposed to the spores has the potential to breathe them in, which can lead to serious issues in the lungs and worse.

How Roof Leaks Can Lead to Mold

When you get a leak in your roof, there is always the potential that it will lead to the growth of mold. This can happen from cracked or missing shingles, a hole in your roof, a crack in flashings, or any other situation that would lead to water coming inside your home. Water can drip onto the next barrier that separates you from your roof and sometimes saturate it. In many cases, this water sits and pools. Given that it is in the perfect environment for mold growth (dark, moist, and ideal temperature), that sitting water will inevitably begin to grow mold. Mold can continue to grow and the mold spores can begin to spread throughout your home, and the same way it would with any situation, mold can affect your health in major ways when you are exposed to it for prolonged lengths of time.

Warning Signs and Next Steps

One warning sign that informs you that you have a leak in your roof is a water spot. These can grow in a circular pattern, usually not perfect, and typically will be first spotted on your ceiling. In some cases, water spots can saturate and grow down a wall, which makes the leak appear to be fairly severe. In other cases, you may even have a bubble of water begin to fill based on how much water is coming in. In other cases, you might be able to see the mold, especially if you see small spots of purple, green, or black growing on your walls. You also may notice the people in your home are coughing and sneezing more than usual, or have an overall feeling of stuffiness. While these symptoms can be confused with allergies, it is important to be aware of them and make sure to address any concerns you might have. Learn more about the dangers in Web MD’s article: Moisture and Mold Problems: Preventing and Solving Them in Your Home.

It is important to fix any leaks in your home and prevent growth and spreading of mold. To have your roof and home inspected, you can trust the experts at K1 Roofing and Restoration. We have a variety of roofing and restoration services in Denver to help keep you and everyone in your home safe. Call us today at 303-953-8275 today to see how we can help you
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