First, let’s get the insurance question out of the way: Will my homeowner’s insurance cover my roof leak?
Since Arizona is not subject to annual hail or storms like Texas, Oklahoma or Kansas, most Arizona property owners have little knowledge of what is covered by their insurance. Many are under the impression that their insurance will cover roof repair or roof replacement.
Obviously, insurance policies differ between insurance companies, types of coverage, and individual states’ laws. Every homeowner should understand what their Insurance actually covers.
There are two basic coverage’s on your policy that you should be aware of in your homeowner’s policy.
Actual Cash Value (ACV)
Actual Cash Value (ACV) is computed by subtracting depreciation, which is based on age and condition of your roof– from the roof replacement cost.
Replacement cost is another method of valuation. An example would be as follows: You purchased a new roof in 1990 for $6000. The
replacement cost of that roof’s value in today’s market is $10,000. Actual Cash Value (ACV) insurance would only pay the Actual Cash Value of your roof at the time of loss. The ACV would be the replacement cost (at today’s prices), less depreciation. In this example, the insurance company may pay an
estimated cost of $4,500 for your new roof less your deductible.
Replacement Cost Value (RCV)
Replacement Cost Value (RCV) is the amount that an insurance
company would pay, at the present time, to replace your roof. In the example above, the roof replacement cost is $10,000. The insurance company would pay out the value of the roof in today’s market of $10,000, less your deductible. Most likely, you have Replacement Cost Value type coverage; which entitles you to have your roof replaced with like kind and quality when it is of equal or better condition then it was before the damage occurred.
DIY Foam Roofing Repair & Maintenance Phoenix: If you have a foam flat roof in the Valley of the Sun you can understand the advantages of a sprayed polyurethane foam roof. One of the biggest factors that many property owners don’t think about is proper Phoenix foam roofing repair and maintenance. As a property owner with a foam roof you have two choices; hire a professional Phoenix roofing contractor or DIY… Do It Yourself Foam Roof Repair and Maintenance.
Foam Roof Blisters
Foam roofs can sometime develop blisters, which are usually caused by trapped moisture; most of these foam blisters do not cause an immediate threat. If left unfixed these foam blisters will eventually split exposing the foam roof to UV degradation… SUN LIGHT. This will cause your foam roof to deteriorate.
Do It Yourself Foam Blister Repair
Cut out the blister and remove any burnt or wet foam within the foam blister, you want to get down to dry and white foam. It is important to make sure everything is dry.
Using a sharp utility knife cut the edge of the roof foam at a 45-degree angle away form the blister. This will provide a smooth tie-in with your caulking.
There are several manufactures’ of elastomeric caulking, I recommend APOC’s 264 Flash N’ Seal Roof and Flashing Sealant. With a trowel, fill the foam blister void with APOC’s 264. Make sure to push the caulking in and completely fill the foam blister void.
Smooth out to match your current foam roofs texture as much as possible and allow the APOC 264 Flash N’ Seal Roof and Flashing Sealant to cure for several days.
Foam Roof Repair in Phoenix, many homeowners and commercial property owners cringe when people mention foam roofing or SPF, (Sprayed Polyurethane Foam). The fact is Phoenix foam roofing is very easy to maintain and may be the last roof you will ever need to install on your home or business. Foam roofing in Phoenix is easier to repair than other roofing systems. While most flat roofing systems like a TPO single ply roofing or modified bitumen roofing have to be removed after their useable lives, foam roofing with proper roof maintenance and foam recoating can last indefinitely!
Repairing Your Phoenix Foam Roof
If you want a Phoenix foam roof repair you can do it yourself or hire a Phoenix Roofing contractor to repair your foam roof. Many Phoenix DIY property owners choose to maintain and coat their foam roofs themselves. Many choose to hire a Phoenix roofing contractor to repair and coat their foam roofs. Hiring a profession licensed Phoenix roofing contractor provides several advantages. First, most have the experience to properly repair and coat a foam roof. Second, they provide a roof warranty and finally hiring a professional roofer provides you the peace of mind that if something goes wrong or you have a leak, you can just contact the Phoenix roofing contractor that repaired and coated your foam roof.
The Importance of Foam Roof Inspections in Phoenix
As I have stated so many times, “In Arizona we put a roof on and forget about it”. Unfortunately, this type of thinking is very expensive! Foam roofs are renewable which means your Phoenix Foam Roof can last a lifetime. All it takes in annual roof inspections and roof maintenance.
Here’s a foolproof tip on roof repair Phoenix. One of the biggest roofing challenges is to really know if repairing your roof is the best option in the long run or to know when it is time to throw in the towel and re-roof your house. There will come a time when you have to decide what to do about your roof, it may be looking a little deteriorated and may have some roof leaks. Most property owners dread this decision and put it off a much as they can, “out of sight, out of mind”. People are hesitant to call out a Phoenix roof for a roof repair, concerned that they will get taken advantage of.
It’s not uncommon for property owners to change out tiles in their office or paint over a leak stain on their homes’ ceiling. Ignoring a roof leak wont make it go away. A timely roof repair Phoenix or even a roof maintenance program would have protected the roof on their building or home. The extent of the roofing problems and the age of the roof are major factors that can help you decide on what course of action to take.
One of the first and most important actions to take is to have a roof inspection. You want a roof inspection, NOT A ROOF ESTIMATE, tell your Phoenix Roofer you want an actual roof inspection, with pictures and options, cost of repair verses the cost of replacement.
The last thing you want to hear when it’s raining is “You Need A New Roof”! Lets face it; most people don’t want to spend capital expenses on a new roof… Especially if you can get some more years out of your existing one. Getting a Phoenix roofing contractor to show up is difficult enough, let alone getting three bids on a re-roof, then choosing the right Phoenix roofing contractor. Wouldn’t it be better to really know what the condition of your roof is and what your options are?
Roof Repair Phoenix
A thorough roof inspection and with a written roof report should address all critical areas of the roof, provide recommendations for repairs, a maintenance program and/or roof replacement. This Phoenix Roof Inspection Report should include pictures of roof areas that require attention and a proposal for the above Roof Repair Phoenix recommendations. A good roofing contractor should have a certified roof inspector on their roofing staff. Understandably, some Phoenix roofing contractors will charge an inspection fee if you choose to go with someone else.
Many property owners with older flat roofs don’t realize they have choices when it comes to re-roofing. When a Phoenix roofing contractor see an older flat roof that leaks they immediately want to tear it off and put on a new roof.
Phoenix Roofers will provide a myriad of re-roofing options. Besides proposing to remove your old flat roof and replace with torch applied modified bitumen or a TPO single ply roof system, they can also propose to “overlay” your flat roof with the systems I just described.
Depending on your flat roof, whether an older built up roof or asphalt built up roof your Phoenix roofer can use a slip sheet or a fan fold type insulation board and install the new roof system over the old roof system.
In general, roof replacement is amortized over 39-years where a Phoenix roof restoration system is considered roof maintenance and deductible the year the work was performed. Ask you personal accountant or tax attorney regarding your particular tax situation.
Many older flat roofs in the Phoenix metro area have multiple layers making a roof overlay system not an option. Most local Phoenix building codes and the international building codes don’t allow a roof with two layers to overlaid with and third roof system. This is where the Phoenix Roof Restoration System is a viable option.
Last week I was starving, I normally do not eat fast food but, what can I say, I was starving! I found a local Phoenix fast food restaurant; I will keep the name private. While I was food “sinning” and eating my Super Taco, I noticed water stains on the ceiling; apparently they had some roof leaks. When I finished my lunch I found the manager about her roof leaks. “We just had our Phoenix roof repaired right before the monsoon’s hit”, she explained. She went on, her Phoenix roof was still leaking and the Phoenix Roofing Contractor came back and fixed the problem. Well, it hasn’t rained for a while so she figured here Phoenix roof repair was good and her roof was watertight.
Hiring the lowest bidder for your Phoenix Roof Repair can cost you more!
I went outside and took this pic of the Phoenix roof repair with my IPhone!! This roof couldn’t have bee repaired by a licensed Phoenix roofing contractor, or could it? I wont go into detail what is wrong with this Phoenix shingle roof repair; a picture is worth a thousand words.
This is why hiring the “Lowest Bidder” could cost you more! No matter what type of project you have, roofing, insulation, etc., hiring the lowest bidders is actually more expensive, a lot more expensive.
Hiring the Lowest Bidder Could Cost You More!
When choosing a Phoenix roofer or a Phoenix roof repair you have to choose wisely. Asks lots of questions about the roofing estimators personal experience and about the company. Now the Phoenix Roofing contractor company doesn’t have to be in business since Arizona became a state, but check them out. Check out their website and do your research.
Recently, I was invited to bid on several large flat roof buildings in Phoenix. The building owners provided the scope of work and the usual Arizona’s juggernaut roofing contractors submitted their roofing proposals.
Since this was not a storm related claim and insurance was not paying the bill I saw an opportunity to present my APOC Roof Restoration System. The proposal was for the saving of an old built up flat roof.
Most Phoenix Roofing Contractors don’t like the saving older flat roofs. In my humble opinion they would rather sell a tear-off and new roof, than mess with saving a roof. Besides, most roofers know little about restoring a roof.
The advantages of a saving older flat roofs.
First, the obvious is that saving an older flat roof is less expensive. Second, it is considered roof maintenance and has huge tax advantages. Third, there is no disruption to tenants or occupants during the roofing proces s. And lastly, roof restoration is considered “Green”, plus little to no real roofing debris to affect the our Arizona land fills.
So if you have an aging flat roof, ask about saving your older flat roof. For more information on roof restoration visit www.costeffectiveroofing.com