The importance of finding a contractor
you can trust
1. Insurance is a must
Make sure that your contractor has worker’s compensation and liability insurance. Ask to see the certificates and actually call the insurance carrier to confirm that they are valid. This keeps all bids on a level playing field, knowing that part of the cost of the roof and the service being provided to you is protected with the security of coverage.
2. Price isn’t everything
Never choose a company based on price. Cheap bids drive down the market and anyone with overhead and proper insurance has to establish pricing to cover such costs. Those that do work on the side or are just working out of a pick-up truck can always do the work cheaper. But in the long run, you get what you pay for. Customers that are sold on price as their sole criteria ultimately end up spending more money to fix problems, and many of these problems would have been covered under a workmanship guarantee by a reputable established contracting company.
3. Get job details in writing
The client should always be in control. We suggest that you don’t give full funds until the work is complete. Make sure that you are satisfied with the results and that the terms of payment were discussed prior to the job and adhered to by both parties. Make sure you receive a written contract with detail of what is going to be done in your property.
4. Communication is paramount
Did they return your calls? Did they send the documentation that you asked them to send? Did they follow through? Communication is extremely important from the beginning to the end of the job specially if its a job done through an insurance claim process. The client should always be informed of any changes regarding the job, and the company representative should have knowledge about the materials used, installation process, manufactures warranties and certifications if applicable.
What type of asphalt roof do you currently have?
3- Tab- Shingles? Architectural Shingles?
25 year? 30year? Lifetime?
Free Consulting Service
Our priority is to educate the community as much possible on all roofing and restoration needs as well as insurance claim process and mortgage requirements. Lutza offers consultation at no cost to the community we have chosen to take an extra step on educating our community about home owner responsibilities and proper roof installation, its very important to know the roofing system, brands, restoration material and any type of property damage restoration procedures. Its always an asset to have knowledge about all the main factors when it comes to property restoration work done right.
Lutza offers advisory at no cost in:
Work with all Property Insurance Companies
Free Property Damage Inspections
Providing beneficial opportunities for the Real Estate Industry
Veterans and First Responders Discounts
Referral Cash Payout up to $600.00
Mortgage Requirements after Restoration Work
Water Damage Restoration
Content Manipulation and Packing
Flood Damage Restoration
Energy Efficient Roofs
Proper Roof Installation
Property Renovation Project Financing
Full Roofing System
Renovations and Innovations
TWIA- Wind Certified Roof
How are roofs measured?
Roofs are measured by squares
Roofing materials are measured by the "square" , A "square" is equal to 100 square feet. Then squares of shingles are sold by the bundle, there are 3 bundles to a square.
What is the roof low-slope and roof pitch?
How important is this calculation on my roof?
Low-slopes and Flat Roofs
Low-slopes are very important when determining the proper roofing system for your property, some manufacture companies can actually avoid material warranties if the installation is not done by their protocol, a lot of our clients have no idea about roof slopes or roof pitch and we will like to educate home owners the important of this when hiring a roofing company to do their roof restoration.
The importance of roof pitch is to determine how a roofing system will perform long term, and it determines how quickly water and debris will shed from the roof. Low-slope or flat roofs are seeing more in commercial buildings even though it has become an innovation architecture in home design and its more
popular now a days.
A low-slope roof is determine by anything that is less than 3 inches per horizontal foot. Traditional roofing system form flat roof consist of hot-mopped bitumen and cap sheet layers, coated with gravel to help with water evaporation and UV protection. Even though this process of installation is become more of a thing of the past with new advance technologies coming up on the market, many roofing companies still use this process of installation. With new technology in the market you can find the single-ply roofing systems, manufactured with waterproof rubber or thermoplastic compounds, such known as PVC and TPO.
On the other hand they are some products that are not designed to be installed on roofs with pitches below 3:12. For example, composition shingles and tile roofs are not intended to be installed on a low pitch roof and are typically require a double underlayment, or modified peel-and-stick protection on slopes from 3:12 - 4:12. The primary reason for this is the design of the system and the inability of the water to shed properly from the roof, causing water to back up under the tile. Single-ply roofs and modified cap sheets are designed to withstand some form of ponding water, be it hours or days, with single-ply systems able to withstand ponding water for far longer. Composition shingle and tile roofs however, are not designed to withstand this ponding water and in fact are designed for roofs with greater than 3:12 slope.
This is why is extremely important to communicate with the roofing company you are hireling to do your roofing restoration.
Are Roofing Warranties Important?
Manufacture & Workmanship Warranties
Re-roofing your property is a big investment, you would want to make sure that the money you spend is been put to good use. Having your roof covered entirely if any event arise is extremely important, Lutza provides peace of mind to all its clients by providing a 5 year workmanship warranty which warrants the work against roof leaks caused by defective workmanship. All roofs installed by Lutza are installed using a roofing system, Lutza applies the Manufacturer warranty to all of its installations no matter how big or small the project is. Manufacturer warranties covers all manufacturing defects to roofing system failure and both warranties are transferable from current property owner to new owner.
What to Do When Water Damage Strikes
Water Damage Restoration
First Steps to take when water damage strikes.
1. First, STOP the water source, the best way to do this is by turning off the main water source to your home or the property.
2. Check your electricity, if you find any electric outlets close to the water damage make sure you take extremely precaution, turn off the electricity of the specific area or to be in the safe side turn off the electricity to the entire house or property.
3. Check for valuable items, important documents and furniture, the sooner you take care of your valuable items the better, remember water travels very fast and it can cause tremendous damages. Try to mitigate the damages as much possible, and don't forget to take photos.
4. Once you have taken care of that you may call your insurance company, depending of the situation from pipe burst to a heavy rain storm, insurance companies may be very busy and the sooner you take care of your situation the better, remember that water damage will cause mold to start growing with in between 24 to 72 hours, you might want to dry your house by then.
They are 3 main things to ask your insurance company. a) Are you Covered? b) What is your deductible. C) How fast can they come out to take care of the situation.
Depending on the insurance company or the sever of the case they will send an insurance adjuster out to your home or they will want you to call a restoration company to re-mediate the damage, some insurance companies have a water extraction company already on their network but remember that you have the choice to use any restoration company you may want. Extracting the water is only the first step that you will have to take, you still have all the restoration process coming after that. Hiring the right company is extremely important, Lutza works with all insurance companies and mortgages and one thing that sets us apart form our competitors is that we do all the restoration work from the beginning to end, we educate the home owner though the process from water extraction to rebuilding your home to the way it was before your lost with in your insurance compensation. We don't top of your compensation with just the water extraction. There is no need for you to look for a restoration/re-building contractor. Lutza does it all.
Insurance Claim Process
Important things to know
More than 50% of home owners in our community have many questions about their home insurance policy and mortgage requirements. It is very important to understand the claim process, there are a few important facts about your policy that you should take in consideration. Many of the times is not necessary to file a claim with your insurance company when your repairs are much less than your deductible. We can provide you with a free estimate of your damages.
Important things to know about your insurance :
1. Coverage-- Are you covered for the damages?
2. Deductible-- How much is your deductible? Are the damages more than your deductible?
3. What policy do you have--Replacement Cost Value Policy? or Actual Cash Value Policy?
4. Home Owners Responsibilities
Important things to know about your mortgage:
1. What protocol do they follow when doing restoration through an
insurance claim process--All mortgages are different, some may ask
for more documentation than others.
2. What documentation do they need from the contractor?
3. Do they need to conduct a progress restoration inspection?
4. How much money will they be holding back?
A new roof will cost $10,000 = Replacement Cost Value
- $ 3,000 = Deductible
= $ 7,000 = Paid to Home Owner
A new roof will cost $10,000 = Replacement Cost Value
- $ 2,000 = Depreciation (wear & tear, amount decrease in value overtime)
= $ 8,000 = Actual Cash Value
- $ 3,000 = Deductible
= $ 5,000 = Paid to Home Owner
In some cases and depending on the policy that you have some property insurance policies have a provision for recoverable depreciation, which means that the property owner will be reimbursed for the money lost in depreciation. In many of the cases of recoverable depreciation claims, the insurance company issues a check for the Actual Cash Value and waits for the home owner to complete the repairs. Once the repairs are complete, an invoice or receipt must be submitted to the insurance company in order for them to send a second payment for the amount of the depreciation. This is why is very important when hiring a roofer, to hire a roofer who can give you a written contract and a written invoice/receipt. However, if you have an Actual Cash Value policy for your losses, your depreciation is likely not recoverable—meaning you will have to make up the difference, as well as the deductible, on your own.
Another thing to take in consideration is your mortgage company. If your home is still under a financial institution the payment of your insurance company might come under your name and your mortgage company as well, some mortgage companies request an inspection protocol in order to release the funds, mortgage companies require certain documentation from the contractor that is being hired by the home owner to do the job, We are proud to say that Lutza is in good standing with many mortgage companies through out the State of Texas, we are able to provide all documentation required to clarify and proof that we are a legit insured and boned restoration company who is able to take up on any restoration job.