Beware many Roofing Sub Crews Often are not Covered by Workers Compensation Insurance. Since construction is a dangerous job, laws mandatorily require businesses who perform services in the construction industry to provide Workers Compensation Insurance coverage for their employees. But those same laws provide a loop hole which allows “owners” (those having at least 10% ownership in a business) to waive Workers Compensation Insurance coverage upon themselves. So, many sub-contractors have taken advantage of this loophole by creating Limited Liability Corporations (a.k.a. LLC’s) consisting of 10 laborers or less, so that each of these laborers will then own a minimum of 10% of the LLC The LLC then purchases an insurance policy which will indicate they have General Liability Insurance AND Workers Compensation Insurance. However, if you were to investigate, you would often find that the policy provides Workers Compensation Insurance coverage only for the LLC’s “employees.” But the LLC actually has no employees. It only has “owners” which have all waived Workers Compensation Insurance coverage for themselves. This can literally save a sub crew hundreds of thousands of dollars annually, but in the event of an accident they are NOT covered by Workers Compensation Insurance. It’s a big risk for the workers, a big risk for the contractors who hire these workers, and can be a big risk for the homeowners who allow these workers on their property. Yet, this has actually become the standard method of operation for many roofing contractors in the construction industry these days! So how do homeowners protect themselves from contracting with a company that does not provide Workers Compensation Insurance coverage for those performing work at their home? My insurance company suggests you: 1)require an insurance certificate be provided “directly from the issuing insurance company” (not directly from the contractor) 2) require a certificate of insurance be provided for not only the roofing contractor you are doing business with, but also require an insurance certificate from every “independent contractor” (i.e. sub crew) being sub-contracted to perform work at your home 3) require the insurance certificates indicate that “All employees of the above named insured, including officers and members, are covered under the above listed workers compensation policy” 4) and be sure the policies indicate that “residential roofing” is the classification for which the general liability coverage and workers compensation insurance coverage is being issued. Of course, you are likely to find a lot of contractors are “unwilling / unable” to meet these requirements, so you may have to search a little harder. But, finding a contractor that provides Workers Compensation Insurance coverage for “all” (including those performing the dangerous task of replacing your roof) is definitely worth the effort! To help you with your search, I can recommend the name of one company right now that provides Workers Compensation Insurance Coverage for “all of its employees, officers and members” and that is Larry L. Vaught Roofing!
Since many homeowners do not have a clear understanding as to how a disputed roof damage claim is handled per the terms of a standard Home Owner’s Insurance policy, to follow is a general explanation of the process. Let’s imagine you are advised by a qualified roof inspector that your roof has sustained significant storm related roof damage so you file a claim with your insurance company. An adjustor is sent to look at your roof, but they determine the roof has little or no damage. What should you do next? Well, you can choose to no longer pursue the claim or you can dispute the insurance company’s decision. If you wish to dispute their determination, you would typically contact the insurance company’s claim center and request a “re-inspection.” Through re-inspection, the insurance company’s adjustor will typically contact you to see who you would like them to meet with at the time of re-inspection. You would probably choose a roofer you trust and believe qualified to best represent you at the time of re-inspection, but the choice is totally yours. The intended purpose of a re-inspection is to provide both parties the opportunity to assess the condition of the roof “together” in hopes that an agreement as to the extent of damage can be arrived at. “If” both parties are Haag Certified Roof Inspectors, we believe you will stand a much better chance of the dispute being resolved at that time. However, if re-inspection is not performed strictly according to criteria established by Haag Engineering, the likelihood of an accurate assessment is much less likely to occur and the ability of the parties to reach an agreement is therefore much less likely. In the event a re-inspection does not result in an offered claim settlement amount to your satisfaction, the next step is to inform your insurance company that you wish to proceed according to the terms of your policy to resolve the dispute. This step is typically referred to as arbitration (a.k.a. appraisal). Through arbitration, you and your insurance company are to select your respective representatives. Those representatives are then basically charged with the responsibility of choosing an umpire acceptable to both parties and providing the umpire with supporting evidence of their position. The umpire will then normally inspect the roof personally before then rendering a binding and final determination of the loss amount. Granted, the procedures to resolve a disputed claim will vary from policy to policy and those noted above are simply a generalized explanation of the process, but we hope you find the explanation helpful. In conclusion, when you 1st decide to dispute a claim, we strongly advise that you do all you can to assure “BOTH” parties (your representative and the insurance company’s representative) agree to: Re-inspect the roof at the same time and according to criteria established by Haag Engineering, which is best achieved only if BOTH parties are Haag Certified Roof Inspectors. There are a lot of competant roofers and adjustors who we find do a great job of accurately and honestly assessing storm related roof damage. However, we also all too often encounter roofers that indicate a roof should be replaced when there is actually “NO” damage and have encountered insurance adjustors who would not get on the roof, even during a re-inspection! There are valid reasons for differing opinions, but those differences are likely to be far less when the representatives involved in assessing the damage are qualified and willing to perform an assessment of the damage according to criteria established by Haag Engineering. And “YES” Larry L. Vaught Roofing does have Haag Certified Roof Inspectors on staff.
Vaught Roofing Can Repair Your Roof Damage
We service the entire Kansas City Metro area check out our Roofing Contractor Coverage Map of KC. Our trucks and roofing contractors will travel to your location within our coverage map. We will also travel to you in order to provide an estimate for your roof repair.
Haag Certified Training and Certification at Vaught Roofing Company. Key employees of Larry L. Vaught Roofing are enrolled to become Haag Certified this December. Haag Engineering is a recognized industry leader in the assessment of hail damage to roofs and offers training so those passing the training will be Haag Certified as an expert in the assessment of hail damage to roofs. Becoming “certified” by Haag Engineering will greatly assist us with being able to offer you the most accurate assessment available (i.e. you stand a better chance of resolving your roof claim with a Haag Certified contractor). And we continue to: Maintain the GAF Master Elite Certified Contractor status which is bestowed upon no more than 3% of all contractors nationwide, Maintain an A+ rating with the Better Business Bureau, Receive the highest honors from Angie’s List (On their “Honor Roll”), Meet the requirements to receive the GAF 2010 Consumer Protection Excellence Award (Received this award in 2008 and 2009), Meet the requirements to receive the GAF 2010 Training Excellence Award (Received this award in 2008 and 2009), Strive to meet the requirements to receive the GAF 2010 Installation Excellence Award (will very likely complete 7 Golden Pledge warranty jobs by year end which receive a perfect 10 rating by the GAF inspector).
Best Roofing Companies are GAF Master Elite Certified
Ask your roofing company if they are a GAF Master Elite Certified roofing contractor.
GAF ELK is now manufacturing 30-year Camelot composition shingles and intends to manufacture a 30-year Country Mansion and 30-year Grand Slate shingle this spring. So, if you love the looks of the lifetime warranted Camelot, lifetime warranted Country Mansion, or the lifetime warranted Grand Slate shingles, but your budget won’t allow the lifetime variety, you will be pleased to know the 30-year varieties are, or soon will be available.
No matter how new your roofing materials are you need a roof warranty. Even the camelot compositions shingles need a warranty. Larry Vaught Roofing offers Kansas City homeowners the industry’s best roof warranties and gutter warranties. We guarantee our workmanship for 8 years. You’ll find 5 years to be standard among most contractors nationwide. Larry Vaught Roofing is also a GAF Master Elite certified roofing contractor and Certainteed Shingle Master certified roofing contractor. As such, we are able to provide our customers with material warranties that far exceed the warranty period most roofing contractors are able to offer. To learn more about these warranties, which provide non pro-rated warranty coverage of materials for up to 50 years and even offer to back our workmanship for up to 20-years
It has been a busy Autumn for Roofing Inspections! As much as I like to promptly post a new “Tip” on our website each month, we have simply been too busy the last few months for me to get the time (until now). The reason for us being so busy is a fairly significant hail storm that hit the area Saturday September 18th. The result of this storm was a significant number of damaged roofs stretching from Lawrence, Kansas to Independence, Missouri. Weather in the Midwest is not kind to Roofs in the area. Hail damage is very common in Kansas City.
If you suspect your roof may have been damaged, you should give us a call for a no cost, no obligation assessment of the roof. We will give you an honest and accurate assessment of any damage which may exist and if you file a claim, we will gladly help you through the entire process. Look around Kansas City and you will see our Vaught Roofing trucks busy providing roof inspection service.
An important reason for providing attic ventilation is to remove water vapor, which tends to accumulate in attic spaces. Moisture laden air (a.k.a. water vapor) from a home’s interior will find its way into the attic spaces above and unless adequate ventilation of the attic is provided, the water vapor will accumulate in the attic. Too much water vapor in the attic can not only cause insulation to be “wet” and therefore less effective, but can also result in water damage to the home. By providing adequate “intake” and “exhaust” ventilation, moisture is removed from the attic space sufficiently to prevent problems. However, most vaulted ceilings in our area have insulation completely filling up the space between the interior ceiling and the roof deck above, which prevents virtually any ventilation from occurring. Therefore, vaulted ceilings are typically more susceptible to problems of condensation. So, if you have a vaulted ceiling with problems of condensation or are simply concerned about the potential problems that could occur due to having an un-vented vaulted ceiling, please be sure to make us aware that you have a vaulted ceiling when we propose to reroof your home. If we are made aware of the situation, we can often propose a solution. Otherwise, the opportunity to address the problem could easily be missed since it is typically impossible to determine that a home has an un-vented vaulted ceiling by simply looking at the exterior of the home (which is what most roofing contractors do when they measure a roof for the purpose of preparing a reroof proposal). Some signs to look for that indicate you may have a problem of condensation at vaulted ceilings include water stains around can lights or discoloration (mold stains) at the peak of a vaulted ceiling. You will find our proposal presentation is a great time to go over issues of ventilation and other specific issues your reroof project may entail.
Best Roofing Companies
Asphalt Shingles are in the news lately. As they become more expensive and in shorter supply, it appears that asphalt shingles manufacturers may be looking for ways to “reduce” the amount of asphalt required in the manufacture of their shingles. We have not heard a lot about the subject yet, but have been told asphalt shingle manufacturers are researching new ways to construct shingles in a fashion which would require less asphalt as a component of the shingle.
We will post more information about the subject as more is learned, but it sounds as if asphalt shingles will have less asphalt in them in the near future. Once these new weight shingles start being installed, only time will tell how well they perform. However, when and if these new weight shingles become available they may not meet the current specifications / restrictions of certain sub divisions unless they meet the minimum weight required. For example, the City of Leawood has required asphalt shingles weigh a minimum of 300 pounds per 100 square feet of coverage. The typical lifetime warranted asphalt (a.k.a. composition) shingle weighs approximately 310 pounds, but with the new technologies being considered, a typical lifetime warranted asphalt shingle in the near future may only weigh 275 pounds. Thus, it may become necessary for certain cities and sub-divisions to “re-write” their roofing specifications / restrictions to accommodate for these new weight shingles as they become available.
Vaught Roofing Asphalt Shingles Recommendations
Roofing Kansas City Company Vaught Roofing has always recommended that roofing specifications incorporate both a minimum warranty period and a minimum weight to assure the quality of materials desired because a shingle could have a lifetime warranty, yet weigh considerably less than the typical industry standard lifetime warranted shingle. For this reason, it is wise to specify both the warranty period and weight, so you have a better specification which prevents potentially lessor quality materials from being approved. However, as much as the reasoning remains sound, when and if new weight asphalt shingles become available (due to less asphalt being used as a component of the shingle), designating a required minimum weight of shingle may be difficult or even impossible to determine until new weight standards for these new weight shingles are established. And, since research and development of these new weight asphalt shingles is likely to occur at a different pace among the various asphalt shingle manufacturers, we expect the establishment of new standards for asphalt shingle weights may be several years in the making.
Our Roof Repair Schedule is filling up. Larry Vaught Roofing has a great reputation for doing exceptionally good work. Because of our reputation, we typically have a lengthy back log of work on schedule. If you need a job completed promptly we can occasionally accommodate, but please be aware we routinely have a waiting list of several weeks to several months, so please don’t wait until you must choose a contractor simply based upon who can start the job the fastest. This often results in a less than desirable experience and you will find we are definitely worth the wait! So call us today and get on the Roof Repair Schedule.
Roof Repair in Kansas City
Do you need to get on the Roof Repair Schedule with a Kansas City Roofing Repair Company? For courteous, professional, and competitive residential roofing Kansas City services, you need look no further. We provide roofing Kansas City roof installation and roof repair. Larry L. Vaught Roofing, Inc. is the local, family owned business that Kansas City area homeowners have counted on for 50+ years to provide outstanding service and craftsmanship!
Beware of another Roofing Scam in the Kansas City area. If a storm causes damage to your home, beware of the contractor offering to perform all of the necessary repairs for whatever amount they can get your insurance company to agree to pay. These companies are often simply looking for a way to get their hands on your insurance funds without having to do much, if any work to earn it. Here’s one way they do it. The roofing scam is they will tell you they are an “insurance claims specialist” and if you will just sign the dotted line, authorizing them to deal directly with your insurance company, they will negotiate a fair settlement on your behalf and agree to perform the work for that negotiated amount. They make themselves sound good by telling you they can find lots of damage that might otherwise go un-detected. They claim they can get you a larger settlement amount than you would get on your own, and they might even claim to be a big super duper company that is able to perform all of the various types of repairs themselves, saving you from having to hire several contractors to get the same work completed. The big problem is, these contractors are often “NOT” really a professional outfit at all and if you decide you do not want their services, you may find that you have signed a contract granting them a hefty percentage of your total insured loss amount, even if you choose not to have them do any work. So, even though they may never perform any of the work needed to correct the storm damage to your home, you could potentially end up paying them 15% or more of your insurance settlement amount simply for having authorized them to “handle your claim.” So, please be very wary of someone who is all too eager to “handle your claim” for simply agreeing to sign the dotted line on their form.
Regardless of the reason for a Kansas City roof inspection, roof inspections are best performed “upon the roof” (not from the ground) by someone who has the training, knowledge, and experience to identify all relevant factors, including:
- Normal weathering
- Manufacturer defects
- Storm related damage
- Intentional (i.e. mechanical/hammer-caused) damage
- Un-intentional (i.e. foot fall, tree limbs, rodents, etc) damage
- Standard methods of installation
- Compliance to local code requirements
- Proper integration of roofing with siding
- Proper ventilation
If you watch the news much, you’ve undoubtedly seen more than one story about a homeowner who paid a Roofing Contractor deposits up front and never saw the company return to do any work. The sad truth is it happens all the time! Consumers are simply too trusting and evidently there are a lot of contractors that just aren’t trustworthy! In most instances I don’t believe consumers should EVER agree to pay a roofing contractor deposits. However, there are two instances I can understand why a contractor could reasonably expect a deposit. One instance is when a contractor must custom order products or materials for a particular job. In those situations, were the customer to default for any reason, the contractor could be stuck with product or materials he may not be able to use elsewhere. A deposit would help protect the contractor from being out-of-pocket for any custom products or materials he may not be able to use on another job. The other instance a deposit may be justified is when the contractor is concerned that a customer may be unable to pay for the job. In those situations a contractor may wish to protect themselves from a potential bad credit risk by demanding a portion or even all of the proceeds in advance. However, in most instances I firmly believe a deposit is simply not justified and ill advised! After all, if a contractor needs a deposit from you in order to afford the materials for your job, that company obviously does not have enough working capital or credit to be bidding your project. In virtually all instances you would be better off to avoid the risk and worry of paying an advance deposit if you can.
The safest choice is to deal with a professional who doesn’t need your hard earned money up front to fund their operations. We rarely ask for a roofing deposit and when we do it is typically because of one of the two reasons just mentioned. Larry Vaught Roofing has been serving the area since 1967. We fund all of our projects with our own working capital and you may rest assured we do not need a deposit from you to fund our operations. So let Larry Vaught Roofing provide your roofing and guttering needs and eliminate the risk of being ripped off by one of those guys who needs your money up front before he will even consider showing up later to do the work.