Common Insurance Questions
Q. “Should I file an insurance claim for my roof work?”
A. Coverage depends on the cause of the damage and your policy. A new roof is not covered just because the old one needs replacing. Ask your insurer about coverage, your deductible and reporting rules. We can inspect the roof and give you photos and a repair estimate.
Q. “Some roofers offer to cover my deductible, is that possible?”
A. Texas law does not allow a contractor to waive, rebate or absorb your insurance deductible. You must pay it. You may also owe costs your policy does not cover. Ask your insurer what proof of payment it needs.
Q. Can you provide roof records for my insurance claim?
A. We can provide roof photos, inspection findings and an estimate for the work. We can explain our repair scope, too. Your insurer decides coverage and payment. We do not file claims for you or negotiate your settlement.
Q. “Will you work with my insurance for my roof replacement?”
A. We can provide roof photos, inspection findings and an estimate for the work. We can explain our repair scope, too. Your insurer decides coverage and payment. We do not file claims for you or negotiate your settlement.
Common Storm Damage Questions
Q. “I found shingles in my yard after a storm. What should I do?”
A. Finding shingles in your yard is a sign that your roof has been damaged, even if you can’t see the damage. This can be caused by hail storms, strong wind, or other severe weather. Missing or loose shingles can lead to leaks, so it’s important to get the problem taken care of before it gets worse. The first step is to have your roof inspected by a professional roofer. After an inspection your roofer will let you know what is needed to fix your roof.
Q. “My neighborhood was hit by a hailstorm but I haven’t noticed any damage. Should I still get my roof inspected?”
A. Even if you can’t see any damage to your roof, it’s still a good idea to get your roof inspected after a hailstorm comes through. Cox Brothers Roofing offers free roof inspections for homeowners in Cuero and the surrounding South Texas areas. Our Cuero roofers always communicate clearly with homeowners about any repairs that may be necessary. If your roof doesn’t need any work, we’ll let you know so you can move on without worrying about the roof over your head.
Q. “What’s the difference between wind damage and hail damage?”
A. Wind can lift, loosen or tear off roof materials. Hail can crack, dent or wear away parts of a roof surface. Either can affect one area or several. An inspection helps show what needs repair; the type of storm alone does not decide whether you need a new roof.
Q. “My roof is severely damaged but it’s after business hours, what should I do?”
A. Stay clear of sagging ceilings, fallen wires and water near electrical fixtures. Call 911 if there is an immediate threat to life. Ask a roofer about temporary protection once it is safe to work. Stay off the roof and contact your insurer about the damage.
Common Roofing Questions
Q. “How do I know if I should get my roof repaired or have it replaced?”
A. An inspection can help you understand the damage and repair options. Ask the roofer to show the findings and explain the proposed work. Roof condition, material availability and the extent of damage all matter. Age alone does not decide whether you need a new roof.
Q. “Should I use a GAF certified roofing contractor?”
A. A GAF credential tells you the roofer meets the terms of a GAF program. Ask which credential is current and verify it with GAF. Check the written warranty for your chosen roof system. Manufacturer credentials are separate from local permits and any voluntary roofing license.
Q. “What happens during a roof inspection?”
A. How a roof inspection is conducted may change depending on the type of roof your building has. If you have a one or two story home, most roof inspections will be completed by an expert roofer accessing and examining your roof. If you have a multi-story building with an intricate roof (such as found on some commercial apartment buildings), your roofer may utilize aerial imaging for your initial inspection.
Q. “How can I tell if my roof is leaking?”
A. Most roof leaks announce themselves as a stain on the ceiling or moisture on interior walls. These signs are usually noticeable and if caught quickly can be repaired while damage is still minimal. If you suspect you may have a roofing problem that could lead to a leak, but haven’t seen signs inside yet, don’t wait. Check outside beneath your roof line. Water spots here can also be a sign of a leak and that you should call a roofer.
Q. “How can I get the roof of a multi-story building inspected?”
A. Ask how the roofer will inspect each part safely. Aerial images may help with the first look, but they cannot show every detail or hidden problem. The roofer should explain any limits and whether a closer check is needed.
Q. “How long do most roofs last?”
A. The lifetime you can expect from your roof will vary somewhat based on the type of roof you have and the type of roofing materials used for it. Common asphalt shingles on a well-maintained home roof can be expected to last 20 years before needing replacement.
Common Siding Questions
Q. “How long will my siding last?”
A. Like roofs, the longevity of your siding is usually determined by the material used, among other factors such as care and weather exposure. Wood siding can be expected to last up to 20 years or longer with proper maintenance. Vinyl siding will last even longer.
Q. “My siding is rotting. Do I have to remove the old boards before installing new ones?”
A. Yes. Installing new siding without removing the old material can lead to more problems down the line. The last thing any homeowner wants it to have their siding repaired without removing the old boards and end up needing to redo the entire process. Always remove old siding before installing new.
Q. “My siding looks dull. Do I have to replace it?”
A. If your siding is still within its expected lifespan and there are no signs of rot, you don’t necessarily need to replace it. If it’s lost its original brightness you can simply update its appearance, either by cleaning or painting it. The methods for either of these fixes will vary based on the material your siding is made of. Feel free to ask our siding professionals any questions about cleaning or painting your siding.
Common Gutter Questions
Q. “Can gutters be repaired or do I have to replace them?”
A. If your gutters aren’t very old and you notice they aren’t diverting water as intended, it’s possible they can be repaired. If the problem is that the gutters are leaking, sometimes a patch with silicon will fix the issue. If the gutters need extensive repair (usually the case with older gutters), it’s usually recommended to have them replaced.
Q. “What type of gutters do you use?”
A. Our team will work with homeowners to determine the best gutter options for their specific home. We often recommend k-style gutters. These are seamless and can be fit exactly to each home. This ensures water will be properly diverted from your home.
Q. “My gutters overflow when it rains, what should I do?”
A. One of the most common reasons that home gutters overflow is that they’re blocked. You can check for blockage in downspouts yourself, and clear any debris you find. If you can’t find the problem, don’t hesitate to call an expert to check your gutters. An expert will be able to safely access your roof and help determine what the problem is and repair it.
Have a question for Cox Brothers Roofing? Contact one of our Cuero roofers today.
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