neligan construction and roofing LLC

Serving Jacksonvile FL

& St. Augustine FL Areas

attribution

Frequently asked Questions

There are many questions people may have when issues or concerns arise with their roof. We at Neligan will always do our best to answer and questions of concerns are clearly and as accurately as we can. Please contact us if you have further questions.

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What types of damage can a roof sustain?

There are several kinds of damage that your roof can incur. Some of the most common include wind damage, debris from a heavy windstorm that strikes your roof, hail, and of course in very high winds, trees can fall on your house and not only damage the shingles, tile or metal, but also can damage your roof structure such as the rafters or trusses. In addition, roofs get damage from age, granule loss which can come from high winds or defective materials. Regarding the granules on a asphalt shingle roof, when they are missing the sun can bake the asphalt and cause blistering and heavy deterioration.

What is involved with getting my insurance company to pay for my roof or roof repairs?

First you should read your policy thoroughly to understand what your coverage is. There are many things to look out for. Does your policy cover full replacement value in the event a whole new roof is needed or do they only pay you for your current cash value? You will need this basic information in front of you before filing a claim. Don't simply rely on the insurance adjuster to tell you what is covered and what is not. Most times your local insurance agent will be of more help in that regard. It is also advisable to have a professional roofing contractor give your roof a thorough inspection and provide a damage report which your insurance company will most likely want to see. You will need to document any money you spend such as tree removal services or mitigation expenses such as putting a tarp on your roof to keep your home from sustaining further damage. It can be a daunting task to go through the processes needed to come to a settlement with your insurer. Sometimes you may need a complete re-roof, but the insurance adjuster only agrees to pay for a small fix. In the most extreme cases, insured clients must take legal action against their carrier. Even if that is the case, an attorney will want a qualified roofer to provide an evaluation and cost estimate for what it will take to replace or repair your roof.

Will my insurance company require me to get 3 roofing estimates?

Many times an insurance adjuster will tell you to get 3 estimates. Some policies state that the insurance company will provide the contractor. You should check your policy. In many states unless your policy says otherwise, you have the right to choose your contractor and you do not need to obtain several estimates. Again, check your policy or consult with a professional.

How do I know if I need a new roof?

If your roof has been through a heavy storm, you probably should have the roof inspected by a professional. If your roof has over 10 years of age you can look for signs that the roof may need replacement or repair. For asphalt shingle roofs, some of the signs inside of your home are evidence of water leaks in your ceiling or water that has run down the walls in your drywall that can cause the drywall seams to appear cracked, discoloration in your walls, etc. Outside signs would include shingles that have curled, a loss of granules by which you can see asphalt and fiberglass and sometimes bubbling of the asphalt where the granules stopped protecting the shingle from the sun's harsh rays. Look for missing shingles, cracked, creased or broken shingles, evidence that wind has lifted up your shingles thereby breaking the seals, or in case of hail storm check for multiple spots where it looks like your roof was hit with a ball peen hammer. With metal roofs there are other things to look for. Generally small hail stones won't dent a metal roof, but larger hail stones can, especially at the seams, trim, ridge cap or over the eaves and gables which can cause water leaks. Depending on the type of metal roof you have, with a heavy wind storm the panels may get lifted and thereby compromised. Metal roofs can be damaged by merely walking on them incorrectly. The panels can get bent causing low spots and water ponding. If your roof has exposed fasteners, they can get loose and thereby can allow wind and water to get underneath. Metal roofs can be dangerous to walk on, especially on steeper sloped roofs. They are slick even in dry weather. Never attempt to walk on a metal roof that is wet. Your best bet is to have your metal roof inspected by a professional. Concrete or clay tile roofs have their own signs of damage, including very obvious cracked or broken tiles. Less obvious are loose tiles that can slide out of place. As with other roof types there can be failures of the flashing areas. Tile roofs should be walked on only by a professional. However as pointed out above, you can easily observe cracked or broken tiles (without needing to climb upon the roof).

Why is there such a large difference in roofing estimates?

There is an old saying that you get what you pay for. Actually it's more than a saying. It's an economic law! Why can one roofing contractor install a new roof at one price while another roofer is higher cost? Isn't it the same roof? The answer is that some roofers will cut corners, both on materials and labor. A cheap roof company may leave out important elements, or reuse some elements like drip edge which should always be replaced. Then there is the quality of the materials. There are low grade materials with short warranties and then there are high quality grade materials which come with a much longer warranty. Also one must consider the labor. Inexperienced labor crews will not cost the contractor as much as a fully competent and experienced crew of roofers. Some roofing contractors may even go so far as to not have worker's compensation coverage for the workers which is a real no-no! Worker's comp costs are high for roofers and for a good reason. You should always insist that your contractor provides it.

What's the difference between a re-roof and a re-covering of a roof?

While some roofers will put a roof over top of an existing roof and in some places this is ok with code enforcement for covering one layer of shingles, other roofers like Neligan are of the position that in so doing, the contractor has no way to inspect the roof deck which is where some of your problems may lie. Therefore it is our opinion that the existing roof must be torn off, the roof deck inspected and renailed to current code specifications. If any rotten or damaged roof decking is found, it should be replaced. Only after this process has taken place should a new roof be installed.

What is the standard up front deposit to pay a roofing contractor?

Most roofing contractors charge an up front deposit of 30 percent or more before they will even order materials. Other contractors will charge a second deposit of 25% or more at the time the materials are delivered. Neligan Construction and Roofing, serving the Jacksonville FL and St. Augustine FL areas charges ZERO upfront deposit and ZERO material delivery deposit. With Neligan you pay nothing until after the job is complete.

Is a whole new roof required for a simple roof leak or will a roof repair be ok?

A roof leak may be caused by a very localized area of damage that may be simply repaired. On the other hand, even though a leak may appear in a certain spot of the home, the source of the leak may be higher up the slope and gravity is bringing the water down slope, indicating that the cause of the leak may not be a single source. So the answer to the question is maybe. You should have your whole roof thoroughly inspected in the case of any leaks just to be safe.

How long will a new roof last and how long is a typical roof warranty?

Though some roofs are designed to last 30 or 40 years or more (assuming no storm damage), the average life of a roof is more like 15 to 20 years. A shingle roof with a lifetime warranty will provide many years of life, however most insurance companies will require a new roof every 20 years regardless of the warranty. A highly respected roofing material manufacturer will generally offer a long warranty period for their higher quality shingles, and if the contractor has special certifications from the manufacturer may offer a longer warranty that not only covers the shingles, but the other materials and the tear off and debris removal for replacing the entire roof. Not every roofing contractor has this type of certification. Neligan does however.

Ready to find out more?

Drop us a line today for a free quote!

Jacksonville

910 11th Avenue S
Jacksonville Beach, FL 32250

Phone

Jacksonville : 904-247-3777
St Augustine : 904-568-8722

neliganconstruction@gmail.com

St. Augustine

450 State Road 16
St Augustine FL 32084

Neligan: Certified Builder FL #CBC-059536 Certified Roofer FL # CCC-1325888

© Neligan Construction & Roofing 2020

Jacksonville Beach - St. Augustine

(904) 247-3777

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