Showing posts with label Dallas roofing. Show all posts
Showing posts with label Dallas roofing. Show all posts

Wednesday, August 30, 2017

Replacement Cost Includes Profit and Overhead


Florida Supreme Court Says That Replacement Cost Includes Profit and Overhead

Florida Supreme Court ruled in Trinidad v. Florida Peninsula Ins. Co., 2013 WL 3333823 (Fla. July 3, 2013) held that replacement cost coverage was required to include overhead and profit in cases where the insured was reasonably likely to need a general contractor for the repairs. Florida Supreme Court further held that insurance companies were not statutorily permitted to hold back any portion of the replacement cost payment, including costs for overhead and profit, contingent upon the insured’s actually repairing or replacing the property and as such found that insureds were not required to actually incur expenses for the repairs in order to be entitled to overhead and profit.

Florida Supreme Court began its analysis by recognizing that “[r]eplacement cost insurance is designed to cover the difference between what property is actually worth and what it would cost to rebuild or repair that property.” Florida Supreme Court also noted that “[r]eplacement cost is measured by what it would cost to replace the damaged structure on the same premises.” In contrast, actual cost value was generally defined as “fair market value” or “replacement cost minus normal depreciation,” with the depreciation representing a “decline in an asset’s value because of use, wear, obsolescence, or age.”

After making these observations, the Florida Supreme Court then stated that “[b]ecause replacement cost insurance provides coverage based on the cost to repair or replace the damaged structure on the same premises, we conclude that overhead and profit necessarily must be included within the scope of a replacement cost policy where it is reasonably likely a general contractor would be needed for the repairs.” As such, overhead and profit was a necessary component of replacement costs inasmuch as replacement cost insurance was intended to compensate the insured for what it would cost to repair or replace the damaged property.

Next, Florida Supreme Court analyzed § 627.7011, Fla. Stat. (2008) in light of its ruling that RCV included overhead and profit when it was reasonably likely the insured would need a general contractor to perform the repairs. This statute required insurers to pay RCV without reservation or holdback of any depreciation in value irrespective of whether the insured replaced or repaired the dwelling or property. However, insurers were permitted under the statute to limit their liability under the policy by providing that the loss would be adjusted on the basis of RCV which was the lesser of (a) the limit of liability shown on the declarations page; (b) the reasonable and necessary cost to repair the damaged, destroyed, or stolen covered property; or (c) the reasonable and necessary cost to replace the damaged, destroyed, or stolen covered property.


Florida Supreme Court found that the statute did not permit insurers to exclude overhead and profit in a payment simply because overhead and profit had not yet been incurred. Under the statute, if the insured is unlikely to incur overhead and profit, section 627.7011(6) would permit the insurer to withhold payment of overhead and profit cost consistent with section 627.7011(3) because those costs would not be “reasonable and necessary” to the repair. That is to say that if the insured is not reasonably likely to incur overhead and profit in repairing the damaged property, then overhead and profit are not replacement costs of the insured’s covered loss. However, if overhead and profit are going to be “reasonable and necessary” to the repair, then the statute mandates their payment as replacement costs irrespective of whether they were incurred.

Tuesday, August 29, 2017

Various Myths About Filing an Insurance Hail Damage Claim for Your Roof


When a hail storm hits, there can be lots of confusion. Don’t get fooled into believing the hype. Here are the top 5 myths that we hear about insurance claims due to hail damage.

1. You are swindling your insurance company.

Regardless of what you think or what a contractor tells you, a representative of your insurance company makes the final determination of whether your property has been damaged by hail. They will also determine whether they are paying for part, whole, or none of the replacement of your roof.

2. Your insurance premium will go up if you file a claim.

This is actually a true and false situation. Storm damage is an act of nature. By rule your insurance premium should not go up if you file a claim for damage that is deemed an act of nature. However, property-owner insurance premiums are determined by geographic area. If there is a large number of claims in your area, your premium will probably be going up anyway. So, are you going to pay for your neighbor’s roof and not get one yourself?

3. I don’t see hail damage on my roof so I don’t have it.

Some hail damage is obvious, some not so much. When hailstones hit an asphalt shingle it knocks off the protective gravel that shields the tar of your roof shingles from the sun’s UV damaging rays. In many cases, when this initially happens, it is difficult to see the damage. But as time, weather, and UV rays deteriorate the area where the hail hit your shingles, the damage becomes very obvious. Unfortunately, this may take several years and will put you past the time you can file an insurance claim for the damage, which is generally 1 year from the storm date.

4. My insurance company came out and said I don’t have damage, so I don’t have damage.

Understand that your insurance company is not always your friend. Insurance companies, with a few exceptions, are public traded companies that have investors. Most property owners are fooled into thinking their insurance companies work for them. Insurance companies work for their investors. It is in their best interest to deny claims. Less paid out claims equals more profits equals happier investors. You get the picture.


5. I don’t need a contractor, I can file my claim myself.

Famous last works for sure. You don’t need a contractor until you need a contractor because your insurance company only bought half your roof or denied your claim all together. The problem is, it becomes much more difficult to work with your insurance company after your claim has been adjusted the first time. It is in your best interest to work with an experienced restoration contractor from the very beginning of the process.
If you suspect that you have hail damage to your property call the Experts at Roofing Professionals of Texas. We have been helping Texas property owners restore their properties after damaging storms for over 25 years.
What makes Roofing Professionals of Texas different than all other roofing contractors out there:  experience and expertise. Roofing Professionals of Texas knows the ins and outs of insurance restoration so you will have the best chance of getting your claim approved. If your claim has been denied or only partially bought, we know how to work with your insurance company to get the work done.

And best of all, we handle everything for you. From filing your claim the right way to final clean up after the project is complete, Roofing Professionals of Texas makes the process as painless and easy as possible.


Concerned about quality? You should be! Roofing Professionals of Texas has been voted the best roofing and siding contractor in Texas 4 of the last 5 years.
So what are you waiting for, call us today! (469) 906-2600


Tuesday, April 18, 2017

Is your insurance company really acting in your best interests?



Insurance companies will almost always try to settle for less than you deserve (let alone need) and they do not always contemplate the hidden effects of a underlying damage in your home when they consider the value of your loss. Most often, their offer is well below what your property damage and possessions cost, or your insurance company is denying your claim altogether. 




Contact one of our Roofing Professionals of Texas and we will investigate your damage, and consult with our team of experts to determine the full value of your claim. We will help you to obtain the money that you are due from your insurance company to which you have dutifully paid your insurance premiums. 




After a storm, fire or other disastrous event, roofers come out of the woodwork and start soliciting you.  This is a difficult time and your home is both a financial and emotional investment, and homeowner’s insurance should cover all losses under the terms of the policy. Many times, not only does the structure of the home sustain serious damage, but the property inside and outside the home may be damaged as well.  We will still be here when they are long gone and fail to honor their shoddy workmanship warranty.



If your insurance company is dragging its feet or has denied your claim, we can be vital in turning that around. Property owners throughout Texas have placed their trust in Roofing Professionals of Texas for years. Our team of professionals have effectively replaced many thousands of roofs through insurance claims.  We offer a free initial consultation to discuss your situation. Contact Roofing Professionals of Texas we offer a free initial consultation to discuss your situation. Call 469-906-2600 Ext. 13 or email us at victoria@roofingprotx.com to get started. 



Roofing Professionals of Texas provides you with reliable roofing services and professionally warrantied work. You've got endless choices when in it comes to roofers, so you want to make sure you hire the right team. You can rest easy knowing that we do exceptional work that is timely and affordable.

Roofing Professionals of Texas
469-906-2600
www.roofingprotx.com

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The information contained herein is provided "as is" and without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Further, this information may include technical inaccuracies or typographical errors. Roofing Professionals of Texas may make improvements and/or changes in the products and/or the information described in this work at any time without notice. As such, changes may, without notice, be periodically added to this work.  Any questions, corrections, or comments concerning this work may be reported to Roofing Professionals of Texas at admin@roofingprotx.com

Please note, however, any feedback information, such as questions, corrections, comments, suggestions, ideas, or the like regarding the content of this work, or any Roofing Professionals of Texas work, shall be deemed to be non-confidential and Roofing Professionals of Texas shall have no obligation of any kind with respect to such information. Further, Roofing Professionals of Texas shall be free to use, disclose, reproduce and distribute such feedback information to others without limitation and Roofing Professionals of Texas shall be free to use any ideas, concepts, know-how or techniques contained in such feedback information for any purpose whatsoever including, without limitation, developing, manufacturing, and marketing products incorporating such information.

Monday, March 20, 2017

Do I need a professional Inspection?


As a property owner dealing with potential damages to your property, the first step is to get a clear understanding of whether or not your property has been impacted.  Choose Roofing Professionals of Texas to examine your property. 


1.       You should have your property inspected by an insured, state registered contractor BEFORE you call your insurance company to adjust the property. After a major storm the insurance company is going to be flooded by claims. By having your property looked at by contractor who specializes in storm damage, you and the insurance claims adjuster will know that the damage is legitimate. Claims adjusters are very busy after a storm. They have very limited time to inspect each property, a preinspection helps the adjuster move quicker and get to their next appointment on time. A storm restoration professional should be on site to assist the adjuster in locating all the visible damage. This helps property owners get their repairs faster, because your property won’t be subject to time consuming reinspections when undocumented damage is discovered.



2.       Remember that all roofers are not the same. Although many claim to be storm damage experts, there are few who are willing to make the commitment to become true specialist. There are many unique factors that are involved in storm restoration work. One of the most important is being able to identify what hail, and wind damage looks like. This sounds simple, but storm damages can look like many different things. Hail damage for instance can look JUST LIKE nail pops, mechanical damages, or algae or moss that has fallen off. It takes a trained eye and sense of touch to understand the differences in different types of damages. Along with an understanding of damages, the person inspecting your property needs to understand your states insurance regulations, building codes and the requirements and guidelines of your insurance company for your specific area of the country. Many people are unaware that insurance companies have different coverage guidelines in different areas of the country. Combining knowledge of these regulations, along with the knowledge of exteriors construction is what allows for an accurate accounting of damages. This accounting is an integral piece in making your property whole again while using the proper tools, and materials in as short a time as possible.



Once a trained roofing professional has inspected your property, you now have the necessary information to move forward with confidence. With the unquestionable knowledge, experience, and expertise of UASRC contractors, you can be confident in the information and advice you receive and therefore be confident in the decisions you make regarding your property.






Freddie Reinwald, President
Roofing Professionals of Texas
9500 Ray White Rd. Suite 200,
Ft. Worth, TX 76244
Corporate:  469-906-2600 
Direct:          469-298-9908  
Fax:               469-906-2601
admin@roofingprotx.com   

Wednesday, March 8, 2017

Entrepreneurs Succeeded — But Only After Failing Once Before

Entrepreneurs Succeeded — But Only After Failing Once Before
… For Mark the hard-fought lesson of his first venture was that undercutting the competition on price isn’t necessarily a winning long-term business strategy. He bought Watko Roofing and Sheet Metal in Oregon back in the 80's to cater to commercial builders who needed roofing. No repairs, no custom work, no residential jobs — easy, he thought. “But it was all contractors looking for the cheapest possible bid,” Mark says. And lowball bids meant he couldn’t give customers his best work, which also meant most didn’t hire him a second time. Five years in and $300,000 in debt, Mark liquidated the company and took a day job.

In 1996, Mark decided to try owning a business again, launching Bogota Roofing & Sheet Metal. This time, instead of focusing on new construction, he offered repairs, reroofing, sheet metal work, seismic retrofitting and other custom services to commercial building owners. All the while, he stuck to his pricing, refusing to play the lowball game.

“There are people who shop at Nordstrom for its quality and service, and people who shop at Walmart for its prices,” Mark says. By earning the trust of the Nordstroms crowd, he’s built a $10 million company with customers in Oregon, Washington, Idaho and California.

We have customers who have been with us for 20 years and continue to hire us.”
— Mark, Bogota Roofing




We are the Nordstroms of Roofing in DFW.




Friday, March 3, 2017

Summary Judgement GRANTED

So, its story time. A particular client, who will remain nameless, tried to scam us Easter of last year. Then, tried to play tough after she and her convicted child molesting common law POS husband tried to dispute the matter. That didn't last long. That particular client, who is crying broke, has 8 additional properties that are royalty locations for Oil and Gas. Meaning, she gets a royalty check every month from XTO Energy for them drilling on property she owns. I think Roofing Professionals of Texas will be in the oil and gas industry pretty soon. Energy Professionals of Texas has a nice ring to it. LOL. Anyway, it never pays to try and screw over people who try really hard to assist you in your time of need, considering that a large portion of our staff, (totaling 16 people) spent their entire Easter Sunday holiday at the clients home, as a holiday gift to the client. Forgoing our own holiday, religious and personal needs. By the way, Easter is on Sunday. So, we all worked on Easter, and on Sunday.
Then, it rained on Monday. However, on Tuesday, the clients common law husband contacted us and told us he has information that indicates that we installed second hand material on their roof. And that he wanted the ENTIRE roof torn off and replaced, free of charge. Oddly, we have photos and videos of the clients common law husband receiving the materials from the supplier. Not once, but twice. (We originally sent 3 tab to the home at their request, and he subsequently sent it back and requested an upgrade to architectural... part of the scam...) that he said he would pay the change order. Both deliveries were fully wrapped and palleted by the supplier. Direct from the manufacturer to supplier, supplier to the client. They paid the $7500 up front to keep us on the hook. This was a 65sq 10/12 roof in Arlington TX.
Mind you, its taken nearly a year to get it paid out, but, I NEVER GIVE UP. I am the most resilient and perseverant person you will ever meet. Both for a client, and unfortunately when the client tries to go south, against them. We at Roofing Professionals of Texas give our all to our consumer base, and when something goes wrong, we immediately address it. Also, when someONE goes wrong, we immediately address that too. As you can see below. This was today. If we help you and you try and screw us over, we will come after you and will not stop until the payment is satisfied in FULL. By the way, on Monday, the clients will be meeting with our attorneys to deposit the check. Or at least that's what they said today. I am kinda hoping that they don't. Ever since I was a little boy, I always wanted to be a J.R. Ewing kinda guy. This is unfortunate. Its even more unfortunate that people like this exist and prey on people like us. But hey, they found the right one.




Wednesday, March 1, 2017

Severe Weather in Texas, How to Prepare!

This is a repost from April 8, 2015

Originally written by By Suzanne Wiley, who is a volunteer contributor
American Red Cross



An old neighbor of mine—our houses three miles northeast of downtown Forth Worth—recounts the March 28, 2000 Fort Worth Tornado. She says, “The air was so still and the sky was green. It was quiet. Eerily quiet at first. A few pieces of paper were flying around the street. Then I heard it. We went inside and took shelter. After it was over, there was paper everywhere, covering the yard like there had been a heavy snowfall. Yeah, it was scary. Terrifying, really.”

Ten tornadoes hit North Texas that night. The Fort Worth Tornado ripped through neighborhoods in River Oaks, Camp Bowie and West 7th and then right through downtown. The Cash America Building, the Calvary Cathedral and the Bank One Building all sustained damaged. The Bank One building lost 3,000 windows. Two people died while trying to seek shelter. Eighty others were injured.


Though it doesn’t feel like it with winter making its last—and late—hoorah in North Texas, March 1 marked the start of meteorological spring. We face three months of the most unpredictable and possibly the most devastating weather of the year. In fact, long-range forecasts predict that March and April in Texas will be rainier and stormier than normal. Paul Patelok, who is a lead long-range forecaster at AccuWeather.com says, “I think we’re going to have a lot more tornadoes for the spring season compared to the last couple of years…”



In Texas, we don’t worry about just tornadoes, but also severe lighting, thunder and hail storms that can cause significant damage and even death. Time to get you and your family prepared for the upcoming spring storms.

Hailstorms happen when a thunderstorm produces hail 5 millimeters in diameter—a dime is twice that size—or larger. Texas sits in the “Hail Belt,” an area that experiences the worst hailstorms in the country. In 1995, a horrible hailstorm hit Fort Worth’s May Fest, causing $2 million dollars in damage and injuring 100 people. In March 2000, a softball-sized hailstone hit a 19-year-old man from Lake Worth, Texas, killing him


Preparing for Hailstorms
There is not much you can do to prepare for hailstorms, besides keeping your vehicle in the garage all season and walking around wearing a football helmet, but when hail hits, go inside and remain inside until the hailstorm is over. If you are outside, seek shelter under a picnic pavilion, gazebo or sturdy awning or inside a store, bathroom or other structure. Once inside, close the blinds and curtains to protect yourself from breaking glass. If you are in your car, pull over and turn away from the windshield, while covering yourself with a blanket or coat.

Flooding
There are two main types of floods—overland floods and flash floods. In North Texas, our greatest risk is flash flooding. A flash flood occurs when the city’s drainage system cannot drain heavy rains fast enough. Floods happen quickly and are hard to predict. They are the cause of the most weather-related deaths in America—mostly due to people believing floodwaters are passable. Remember—Turn Around! Don’t Drown! It only takes 18 inches of water to float away a regular sedan-sized car.



Preparing for a Flood
Floods have the potential to contaminate city water supplies, so store enough drinking water for drinking and personal hygiene. The absolute minimum requirement is one gallon of water per person per day. A flood has the possibility to force you to evacuate your home. Download the Red Cross Flood app for flood alerts and to locate your nearest shelter.

Lightning
Lightning is the electrostatic discharge from the electrically charged area between a cloud and the surface of the Earth and occurs in all thunderstorms. On average, lightning kills 300 Americans a year.

Preparing for a Lightning Storm
When you hear thunder or see lightning, go inside or seek shelter in a concrete building or structure. If you are camping, hiking or otherwise far from shelter, crouch down—don’t lay down—wrap your arms around your knees and keep your head down. For more on what do during a lightning storm, read “The Importance of Practicing Lightning Safety.”



Thunderstorms
There are four types of thunderstorms, classified by their severity. North Texas experiences all of them. We are mostly concerned with multi-cell cluster, multi-cell line and supercell thunderstorms—all of which have the ability to produce tornadoes. Prepare for a severe thunderstorm, the same way you a tornado.

Tornadoes
A tornado forms when updrafts of warm, humid air create a high-speed whirlwind. This rotating whirlwind or rotating cloud then forms a tornado when it reaches the ground. The United States experiences an average 1,200 tornadoes a year, with May through June being the peak time. Oddly, even though tornadoes can occur any time of the day, they most likely happen between 3 and 9 pm.

Preparing for Tornadoes and Thunderstorms
The first thing you need to know is the difference between a tornado watch and a tornado warning. A Tornado watch is when conditions are suitable to produce a tornado. A warning means a tornado has been confirmed in your area. If your area is under a tornado warning, it is time to put your family emergency plan in place immediately.



If you are away from a radio or newscast, know the signs of a tornado. You might see clouds moving towards each other or rotating, flying debris, a green or green-black sky, hail, wall cloud or hear the sound like a freight train. When you see any of those signs, seek shelter right away.
To prepare for a severe thunderstorm or tornado establish a “safe room” in your home. If you live in a mobile home—no room inside is safe. For those who live in mobile homes, you should seek shelter elsewhere or build an underground storm shelter outside the home.

Your safe room should be an interior room without windows on the lowest floor, and as far away from outside walls as possible. This could be a closet, bathroom or even the room under your stairs. Many apartments and smaller homes have no rooms that have only interior walls. Some experts believe that bathrooms, due to the pipes surrounding it have added protection—possibly more so than a closet. If your bathroom is the only safe room in the house, when there is a threat of tornado, get into the bathroom, and cover yourself with a mattress or heavy blankets.



FEMA suggests the room you pick should have enough room for everyone in the family to stand comfortably for two hours. Be sure to accommodate any elderly or disabled family members. If you care for someone with special needs, put a chair in your safe room.

You need to stock your safe room with essential and emergency supplies:

Bottled water
Necessary and emergency medications—inhalers, oxygen, aspirin, insulin, EpiPen, etc.
Helmets for children
Sturdy shoes for every family member
First aid kit
Flashlight
Emergency weather alert radio
Cell phone
Signaling device, such as a whistle
Fire extinguisher
Work gloves
Batteries
Babies’ needs such as formula and diapers
The American Red Cross has readiness items such as signal whistles, flashlights and disasters kits ranging from the basics to a four-person, three-day survival kit.
  

If you are on the road or far from a sturdy structure, do not pull over and hide under an overpass. This is a myth! Experts agree that an overpass is actually one of the most unsafe places to seek shelter during a tornado. Instead, pull over, get in a low-lying area like a ditch, and cover your head. If you absolutely have no other choice but to stay in the car, keep your seat belt on, roll up all the windows, bend down as far as you can below the windows and cover your head with a blanket or any other material you have.

For all the information on tornado preparedness, download the Red Cross tornado warning app.

Monday, November 7, 2016

Roofing Professionals of Texas Review Showcase

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