5 Tips for Filing a Roof Replacement or Repair Insurance Claim

You may be surprised to learn that roofing replacements may be covered under your home insurance policy, depending on the cause of the damage. For example, if your policy includes extreme weather as a named peril and your roof is damaged during a severe storm, your insurance should cover the cost of the repairs in part or in full, depending on how your policy works.

The best way to know what’s covered and what is not, of course, is to call your insurance provider. Coverage will often depend on the age of your roof, the area you live in, and many other factors, so it’s important to know the specifics of your policy.

5 Tips for Filing a Roof Replacement or Repair Insurance Claim

Filing a Roofing Replacement or Repair Insurance Claim: The Easy Way

Here are five keys to making your roofing repair or replacement claim easier:

#1: Check for damage as soon as possible

If you suspect that a storm or other event has resulted in damage to your roof, invest in a comprehensive inspection as possible. Your may be subject to restrictions or limitations if you fail to report the damage within a specified (and often fairly narrow) time frame.

#2: Take pictures

When you’re dealing with insurance claims, every bit of evidence helps. You should carefully document the damage using pictures, and ideally, you should have recent photos on hand that verify the condition of the roof prior to the damage. It shouldn’t disrupt your claim if you don’t have photos that show what the roof looked like “before the damage,” but you should definitely make a record of what happened after the damaging event.

#3: Contact your insurer right away

You should contact your insurer as soon as possible, regardless of whether or not you are sure that your policy covers the damaging event. If you’re not sure whether or not your policy will cover the cost of the repairs, call an insurance company representative and ask. If the event is covered under your policy, review the language and wording of your policy to see what, if any, restrictions or limitations apply.

For example, many insurers offer limited reimbursement if your roof is older (more than 10 years old in most cases), or was previously damaged. You should also keep deductibles in mind, as you will have to cover those costs out of pocket.

#4: Shop around for the right contractor

It’s important to hire a roofing repair contractor who has proven experience with insurance claims. Specialized contracts and paperwork may be necessary, and experienced roofers may be able to provide you with case-specific tips for filing and following up on your claim.

#5: Don’t sign until you’re sure

Contingency contracts are something you should be wary of. Some roofers – unscrupulous ones – may ask you to sign off on an inspection report when you are really signing a contingency contract. A contingency contract is an agreement stating that you will hire the contractor in question if your insurance company agrees to cover the cost of the repairs (in part or in full).

There’s no reason to bind yourself to that kind of commitment before your claim is approved. Instead, make sure you’re just signing off on an estimate, which your insurer may require in order to process your claim.

Call Us For Help

To make the claims process go as smoothly as possible, use the tips above when filing your claim and dealing with insurance company representatives. Bottom line: be proactive, ask questions, and provide adequate documentation. Your roofing contractor should also guide you through the process, so pick the right one.

Replacing a roof  can be a time-consuming and expensive process. That’s why it’s important to ensure you do your part to prevent damage from occurring in the first place:

As always, should you need assistance with your roof, whether repair or replacement, contact LGC Roofing, a family owned and operated NJ & PA roofer with three decades of experience. We will help you navigate your way through the roof insurance claims process!

Call 609-712-8157 in New Jersey or (215) 932-7850 in Pennsylvania for assistance or to request a free estimate on your next roofing project!

Spring Roofing Maintenance: 10 Money-Saving Tips For Homeowners

Most people don’t spend too much time thinking about the condition of their roof. But, the old expression “an ounce of prevention is worth a pound of cure” certainly applies when it comes to roofing maintenance.

The costs associated with routine inspection and maintenance of your roof don’t amount to much; the costs of ignoring routine maintenance, however, can be significant. Too often, the out-of-sight, out-of-mind approach can turn into a costly roof maintenance strategy. The fact remains, during the winter months your roof takes a significant beating, and spring maintenance is critical to the longevity of your roof.

Preventative maintenance is an important part of home ownership. In the long run, you will save money with regular maintenance done now!

Spring Roofing Maintenance: 10 Money-Saving Tips For Homeowners

Save Money With Spring Roofing Maintenance: 10 Things You Can Do Now

Here are a few tips for keeping your roof in tip-top condition:

  • Trim back trees. To prevent damage to your shingles, trim back and remove overhanging tree branches or those getting close to your roof.
  • Keep gutters clear. Leaves and other miscellaneous debris can clog your gutter system, allowing water to back up into the attic or living areas of your home. Additionally, a gutter full of water is heavy and can damage the fascia boards on your roof. It’s a good idea to check and clean your gutters once or twice per year. While you’re at it, inspect your gutters for sagging or other signs of damage and consider installing leaf-guards as a way of keeping your gutters clog-free for life. To stay safe, make sure the ladder is on solid, level ground, and it is secured at the top to prevent it from slipping.
  • Check downspouts. In addition to the gutters, make sure your downspouts are also free of congestion. If they are clogged, they can’t channel water and snowmelt away from your home.
  • Examine any wear near the roof valleys. Water runs down roof valleys and into the gutter, so they are prone to water damage.
  • Ensure proper ventilation. This is one of the most important elements in extending the life of your roof. Without proper ventilation, heat and moisture can accumulate in the attic, leading to roof rot and deteriorating insulation.
  • Ensure adequate insulation. A properly insulated attic space will allow your roof to perform at peak efficiency.
  • Look for storm damage. After a big storm, inspect the interior of your home for water stains. Check the outside for missing, cracked, blistered, curled or otherwise damaged shingles.
  • Check for moss or algae. Install zinc or lead control strips if your roof is starting to collect moss or algae.
  • Inspect flashings. Many roof leaks begin at flashing points, where the main body of the roof meets up with the home’s siding, chimneys or skylights. Examine the area surrounding the vent pipes and chimney. Look for gaps, cracks or missing caulk. Check the flashings for holes, cracks, or other signs of damage or deterioration.
  • Invest in a professional inspection. An experienced roofer can provide a comprehensive repair estimate to help you in maintaining and caring for your roof. Take advantage of their skill and know-how to keep your roof performing its best. If possible, call the same contractor that installed the roof as they’ll likely have the most in-depth understanding of your roof’s intricacies.

Need Help Maintaining Your Roof?

Call LGC Roofing, your experienced NJ & PA roofing contractor, if you need help with post-winter roofing maintenance or need a spring roofing inspectionWe are a family owned & operated contractor with 30 years of experience in the roofing business!

Serving residential and commercial customers throughout New Jersey and Bucks & Montgomery counties of Pennsylvania, we are fully licensed and insured and can handle all aspects of roofing and siding work!

Call 609-712-8157 in NJ or (215) 932-7850 in PA to schedule your free, no-obligation estimate.

7 Critical Questions You Should Ask Your Roofing Replacement Contractor

A roofing replacement is a major investment, and for better or for worse, the results will last for years–possibly decades–to come.

Homeowners should always be thorough and vigilant from the very beginning of the re-roofing process, and that process starts by collecting and comparing estimates from local roofing contractors and carefully interviewing selected roofers before making a decision.

There are many roofing contractors out there, so choosing the best roofer for your next project might be overwhelming at first. That’s why we’ve compiled a roofing contractor question checklist you should start with!

7 Critical Questions You Should Ask Your Roofing Replacement Contractor, by LGC Roofing

7 Critical Questions You Should Ask Your Roofing Replacement Contractor

Here’s a list of seven key questions you should ask when searching for your next roofing replacement contractor, along with an idea of the answer you’re looking for.

Question: Do you have a valid contractors’ license?

Answer: Yes, and it’s up to date.

Why it’s important: In most jurisdictions, roofing contractors require valid licenses to legally practice their trade. Check your local laws, then make sure any roofing company you’re considering follows them. Otherwise, you’ll have limited recourse if something goes wrong, and you could end up in hot water with your insurance company if someone is injured on the job.

Question: Do you carry your own insurance?

Answer: Yes, including liability and workers’ compensation insurance.

Why it’s important: If your roofing contractor doesn’t carry both types of insurance, you could be on the hook if your home is damaged during the project, or if one of the contractor’s workers is injured on your property. If you’re in doubt, ask to see a copy of their insurance certificates and verify their authenticity independently.

Question: Do you employ subcontractors?

Answer: If the answer is yes, ask the contractor to supply subcontractor contact information, and ask the subcontractor all the same questions.

Why it’s important: Subcontractors are not fully regulated employees in the same sense that they would be if they were an actual part of the contractor’s company. Thus, the contractor is not responsible for ensuring that they are licensed and insured, so you need to verify this yourself for the aforementioned reasons.

Question: Can you provide references from homeowners whose roofs you have replaced?

Answer: Happily.

Why it’s important: All reputable contractors, unless they’re newly created companies, will have satisfied customers who would be happy to vouch for the roofer’s work. If the roofer is reluctant to provide references or gives you the runaround, consider it a significant red flag.

Question: What kind of warranty do you offer?

Answer: The contractor warranty covers my work for at least one year, and the materials are covered by the manufacturer’s warranty.

Why it’s important: The work and the materials are covered under separate warranties. Roofing contractors who are confident in their skills will offer better, more inclusive warranties. A minimum warranty of one year is standard for the roofer’s labor. Longer is better.

Question: What measures do you use to take care of my property while you work?

Answer: Tarps are used to cover the roof during rainy weather, storage bins are used to collect waste, and we remove all waste from your property when the job is complete. Our crews won’t unnecessarily tread across your lawn, and we won’t discard materials where they might cause damage.

Why it’s important: Where’s the value in getting a new roof if the behavior of the contractors necessitates other repairs? Your contractor should take the necessary steps to protect your property throughout the replacement process, and perform a thorough cleanup upon its completion.

Question: Can you provide me with a written estimate?

Answer: Yes.

Why it’s important: If you don’t get a detailed quote in writing, you open yourself up to a whole host of potential problems down the road. The contractor could charge you far more than he or she initially stated by adding all sorts of extras you didn’t anticipate, and you’ll be bound to pay since the work will already be done. Get your estimate in writing, so you can understand the cost and process breakdown fully, before committing to any roofing contractor.

Invest In Your Roof!

If you’re considering re-roofing your home this spring, be smart and take the time to research roofing companies thoroughly – this is the most important thing YOU can do to ensure the quality and integrity of your new roof!

And remember: cost isn’t the sole consideration. You should also consult online customer reviews, and take the value you’re getting into account. It’s better to pay a little more for a job well done than it is to cut corners and end up dissatisfied.

We offer 30 year workmanship guarantee on full roof replacements!

If you’re looking for a reputable, honest and skilled roofing contractor, consider LGC Roofing, a family owned and operated NJ & PA roofer with over 30 years in the roofing industry!

Serving residential and commercial customers throughout New Jersey and Bucks & Montgomery counties of Pennsylvania, our team of highly skilled and experienced roofers can quickly and reliably replace your roof as we have for our many happy customers over the last three decades!

Call 609-712-8157 in NJ or (215) 932-7850 in PA to schedule your free, no-obligation estimate.

 

Residential Slate Roofing: 7 Maintenance, Repair and Restoration Tips

Slate is undoubtedly one of the most beautiful and durable of all roofing materials. Lasting between 50 and 125 years or more, slate roofs have a long history of protecting institutional buildings like churches and government structures. That’s where aesthetics and longevity were an especially important consideration in material choices.

Dating back to 1600’s, slate roofs have slowly integrated into residential roofing. At its peak production years of late 1800’s Pennsylvania quarries were the largest producer of slate in America.

These days, homeowners are realizing the indisputable value of natural slate when selecting their home’s new roof. Bottom line: Slate is a beautiful, durable and eco-friendly way to cover any structure, and homeowners are taking notice.

Residential Slate Roofing: 7 Maintenance, Repair and Restoration Tips

Residential Slate Roofing: 7 Maintenance, Repair and Restoration Tips

With the relatively high initial cost of installing a new slate roof, it’s important to invest in regular and timely maintenance, which largely increases durability. Additionally, proper repair and restoration will save you replacement money while keeping your roof in tip top shape for decades to come.

7 Maintenance, Repair and Restoration Tips

  1. Your slate’s life depends largely on its style and mineral makeup. Some slate roofing materials are prone to softening and crumbling after years of weather exposure, while others remain hard for 100 years or more. A slate roofing expert should be able to tell you which types of slate material will last longest and resist cracking or leaking.
  2. It’s natural for slate pieces on aging homes to occasionally break or fall off. The sooner you notice these missing slate pieces, the greater chance you have of simply repairing your roof rather than replacing it. Missing or cracked slates may damage your roof’s infrastructure and lead to costly interior leaks. If you take time to replace these failing pieces quickly, you’ll extend the life of your roof and protect your flooring, drywall and furnishings.
  3. Many slate roofs fail because they were not installed with high-quality decking and sheathing materials. The best roof deck is made of lumber and battens that are planed or rough-sawn, and measure at least .75 to 1.5 inches in thickness. Plywood, particle board or cheaply laminated wood should not be used, since your roof will last the longest when solid (rather than synthetic or glued) boards are used. If your existing roof was installed with a substandard decking material, contact your Pennsylvania slate roofing contractor to inquire about the most affordable repair or replacement option.
  4. Good quality flashing and proper installment is also a key to ensuring that your slate roofing enjoys a lengthy lifespan. If you’re experiencing frequent leaks, your flashing may not be the correct gauge—or it may have been improperly aligned, secured or sealed. Single pieces of flashing are usually easily replaced, but multiple pieces may require the expertise of a roofing contractor so the slate is not compromised during repair.
  5. It’s important to remember that walking on your slate roof requires extreme care, and should only be done when absolutely necessary. If you—or a negligent roofing contractor—does not take the time to protect your slate, individual pieces may crack, become dislodged or even break off entirely. If slates are to be walked on, it is best to wear soft soled shoes and to step on the lowermiddle of the exposed portion of the slate unit.
  6. Remember about roof safety. Before anyone climbs on your roof to inspect it, make sure they (A) use a padded ladder, (B) utilize roof scaffolds, roof jacks and planks, and (C) avoid placing your full weight on delicate planes of slate.
  7. Finally, while slate roofs are a beautiful, enduring way to protect your home, you should still have them inspected by an experienced slate contractor annually and after several storms. Check for cracked, broken, misaligned, and missing slates, look at the the degree to which delamination has occurred, look for failed flashings and broken or clogged downspouts.

Find a Contractor You Can Trust!

Residential Slate Roofing: 7 Maintenance, Repair and Restoration TipsSlate roofs that are properly maintained are likely to last for fifty years or more, all while increasing the curb appeal and architectural value of your Pennsylvania home for decades to come.

If you’re looking for a slate roofing contractor you can trust, call LGC Roofing. We are a DaVinci Masterpiece Contractor, install both natural (original) and composite slate roofs and are fully licensed and insured to do roofing work in Pennsylvania & New Jersey!

Backed by over 30 years of experience, we have the skills and knowledge required to handle all your slate roofing installation & repair needs!

Call (215) 932-7850 or 609-712-8157 for your Free Estimate today!

 

Top 6 Myths About Standing Seam Metal Roofing

Standing seam metal roofing is gaining a foothold in the residential roofing world as a growing number of homeowners embrace the many benefits of this eco-friendly, energy-saving alternative.

Whether made from steel, aluminum or copper, the long-term advantages of standing seam metal roofing are indisputable: besides superior durability (they can last 50 years or more) and excellent weather protection, standing seam metal roofs are modern looking, energy efficient, lightweight, fire and water resistant, virtually maintenance free and fully recyclable!

However, metal roofing is still largely misunderstood, and there are a lot of untruths and myths associated with it, especially when it comes to weather-related issues like lightning, hail, and rain. Don’t let misinformation stop you from making a smart investment in a metal roof. Instead, begin your research by learning to separate fact from fiction.

Top 6 Myths About Standing Seam Metal Roofing

Dispelling Standing Seam Metal Roofing Myths

Here are five common myths associated with a standing seam roof and its installation process:

Myth #1: Metal roofing is prohibitively expensive.

It’s true that the upfront cost of a metal roof is higher than the cost of installing an asphalt roof (often twice as high), but your metal roof will last a lifetime. The average lifespan of a metal roof is 40-60 years, which is at least 2-3 longer than that of a shingle roof. This means money saved in the long run.

Additionally, metal roofing will raise the resale value of your home, save on energy (details below), and maintenance cost, since there’s practically none needed. You may also qualify for tax credits and insurance discounts by installing a metal roof, which makes the value proposition even greater.

Bottom line: if you can afford the initial higher cost, standing seam metal roof will cost less than your typical asphalt roof over the course of its life-cycle, offering the biggest return on your investment.

Top 6 Myths About Standing Seam Metal Roofing

Myth #2: Metal roofing attracts lightning.

A home with a metal roof is no more likely to be hit by lightning than a home with an asphalt roof. The actual probability of lightning strikes has more to do with land topography, location, size and height of the building, rather than the roofing material used. Even if lightning did strike your home, your metal roof would act as a barrier against the electricity, discharging it evenly throughout the roof to prevent damage, since metal is an excellent electrical conductor.

Additionally, metal roofs are not combustible or flammable, so there would be no chance of a fire starting. Asphalt shingles are flammable, and not as safe.

Myth #3: Metal roofs are very noisy.

This is only the case when metal roofs are installed over an open frame, as is the case with barns and sheds.

Residential metal roof are usually installed over plywood, solid sheathing or an existing shingle roof, all of which absorb sounds. Therefore, they are not any louder than your typical shingle roof, and in many instances are actually quieter.

Myth #4: Metal roofs dent easily.

Today’s metal roofs are designed to resist wind gusts of up to 150 miles per hour, and they can withstand decades of heavy rain and hailstorms. Tests show that metal roofs significantly outperform asphalt shingles in terms of durability and weather resistance. Remember, hail damages asphalt roofing material by displacing granules and causing premature deterioration and weathering. This is not the case with metal roofs, which are virtually impenetrable.

Unless we’re dealing with extreme large hail (which will damage any type of roofing material), metal roofs can take a significant beating – they are tough and highly resistant to weather damage, strongly outperforming shingle roofs.

Top 6 Myths About Standing Seam Metal Roofing

Myth #5: Metal roofs don’t last very long.

A properly installed roof can last a lifetime, with some manufacturers offering 50-year or even lifetime warranties. Compared to standard asphalt shingles (averaging 12-20 years), metal roofs have a far longer average lifespan, which justifies the higher upfront material & installation cost.

Metal roofs are highly durable, weather resistant, and inflammable – they will not rot, split, crack, dry-out, chip, warp, corrode, leak, form ice dams, catch on fire, or attract rodents. Outstanding endurance is what attracts most buyers to invest in this highly performing material.

Myth #6: Metal roofs get too hot.

Actually, metal roofs reflect rather than absorb heat – up to 70% of the sun’s energy is reflected back into the atmosphere. This minimizes the heat retention and, as a result, less heat is transferred into the building’s structure. This is one of their primary benefits.

In the summer months, metal roofs deflect sunlight off your roof, preventing heat gain and helping keep your home cooler while reducing your reliance on air conditioning. In fact, metal roofing offers a similar effect of R-11 insulation on top of the roof during sunny day conditions. This reduction in the heat absorbed by the roof results in a cooler home which translates to lower energy cost related to air conditioning.

Additionally, metal roofs can offer not only a 40% reduction in energy costs in the summer but also up to a 15% reduction in the energy costs in the winter — more savings for you.

Bottom line

Standing seam metal roofs are a great investment, offering high ROI, even if you decide to sell your home sooner than expected. Years of outstanding protection, great looks & curb appeal, and energy savings that add up over the years are all great reasons for considering this top of the line material when you’re ready to re-roof your home.

We Specialize In Standing Seam Metal Roofing

If you’re ready to invest in standing seam metal roof, give LGC Roofing a call. Family owned and operated NJ & PA roofing contractor in business since 1985, we handle all types of residential roofing projects specializing in the installation of standing seam metal roofing. Each of our superior metal roofs comes in 16 different colors and includes a 35-year material warranty.

Call 609-712-8157 in NJ or (215) 932-7850 in PA to schedule a free, no-obligation estimate.

Serving residential and commercial customers throughout New Jersey and Bucks & Montgomery counties of Pennsylvania, our team of skilled and experienced installation technicians can quickly and reliably install the metal roof of your dreams, as we have for our many happy customers over the last three decades!

  • Featured Roofing Project


    Standing Seam Metal Roofing & Velux Skylights Installation
  • What Our Customers Say

    "Nice job on installing a slate roof for us. I was very impressed with their attention to detail and the crew was on top of keeping the site clean at all times. I have already recommended them to two people." ~Steve P., Bedminster, PA.

    More customer reviews!