Storm damage, what to watch out for with your roof.

A Roof Over Your Head- storm damage

Protecting yourself from the rain, wind and severe weather is an absolute must. Indeed, being sheltered from the elements is a fundamental need that even a cave man would not dispute. Having a durable and sturdy roof brings that sheltering peace of mind. Unfortunately, the passage of time and enduring harsh conditions can create wear and tear on your roof and expose you to what Mother Nature has to offer.

In 2011, the Better Business Bureau (BBB) system received more than 3.3 million inquiries from consumers looking to find a roofer they could trust making it the most inquired-about industry. In addition to having to replace a roof due to time, emergency repairs are a common reason for a BBB inquiry. From hail to high winds a roof can suffer storm damage and one of the most common “after-disaster” scams involves roof repairs.

The BBB offers the following tips to homeowners who suffer roof damage in the wake of a natural disaster:

Do your research. Check with your insurance company about policy coverage and specific filing requirements. Save all receipts if temporary roofing repairs are necessary.

Stay calm. Although you may be anxious to get things back to normal, avoid letting your emotions get the better of you. Don’t be pressured into making an immediate decision with a long-term impact. Be pro-active and diligent in selecting a company and not re-active to sales solicitations.

Shop around. For major repairs take time to shop around and get 3-4 estimates based on the same specifications and materials. Check out references that are at least one year old, and verify that the contractor is licensed and/or registered to do work in your area. Also, check with your local building inspector to see if a building permit is required.

Be careful of online customer reviews. Many consumers go to online web sites and lists offering “customer reviews” on contractors and other businesses, not realizing that some of the glowing reviews are planted. Some companies pay people to write positive reviews. Other companies offer their customers a discount if they will post a favorable review. So take it with a grain of salt.

Search with the BBB. In addition to reliability reports on tens of thousands of contractors — good and bad — across the Mid Atlantic region, you can also rely on the BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB Accredited contractors have pledged to uphold the BBB’s Standards for Trust and are contractually obligated to resolve all complaints filed with the BBB. Other organizations, like the National Association of the Remodeling Industry, will also be a good resource.

Avoid high-pressure sales tactics. Be wary of door-to-door workers who claim to have leftover materials from a job “down the street” or who do not have a permanent place of business. If sales people go door-to-door, check to see if your community requires them to have solicitation permits.

Trust your gut. Be leery if a worker shows up on your doorstep to announce that your home is unsafe. If you are concerned about possible structural damage in your home, have an engineer, architect or building official inspect it. While most roofing contractors abide by the law, be careful allowing someone you do not know to inspect your roof. An unethical contractor may actually create damage to get work.

Get everything in writing. Require a written contract agreement with anyone you hire. Be sure their name, address, license number and phone number are included in the contract. Read and understand the contract in its entirety, don’t sign a blank contract, and make sure you get a copy of the signed contract at the time of signature.

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

oRemoval or replacement of existing roof

oFlashing work, e.g., existing flashings to be replaced or re-used, adding new flashing, flashing metal type

oVentilation 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? Make sure that it contains language addressing who is responsible for any damage that occurs as a result of the work. All items of concern and work to be done should be included in the contract.
  • Installation method
  • Approximate starting and completion dates
  • Payment procedures
  • Length of warranty and what is covered, e.g., workmanship, water leakage
  • Who will haul away the old roofing materials and/or project waste (e.g. extra materials, packaging, etc.)? Is there extra charge for this service?

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 or use substandard materials. Make sure to read the fine print. Some contracts use a clause where substantial cancellation fees or liquidation damages are required if the homeowner decides not to use the contractor after insurance approval of the claim. In some instances you may be required to pay the full agreed price if the homeowner cancels after the 3 day cancellation period. If an estimate or contract is confusing, ask the contractor to break it down into items/terms you can understand. Finally, if the contractor will provide a lien of waiver (also called a Release of Liens clause) upon completion of the job, make sure it is in writing. A lien of waiver is a statement that all suppliers and subcontractors will be paid –so that these parties do not come after you looking for payment. * From the Better Business Bureau


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