Free Deductible Roofing


While working in my basement, I often don’t hear the soft fingered taps on my front door. Fortunately, I have two dogs who alert me when someone is at the front door. The conversation with local storm chaser roofing companies is almost always the same. They appear out of the brush whenever a few marbles of hail descend upon the Colorado roof tops along the Front Range. Not to take anything away from the damage that hail can do to a roof, there is sufficient evidence that Colorado’s high winds, violent thunderstorms and golf ball sized hail can put a dent in just about anything, but when it comes to salespeople pandering on my front porch, I am always well-armed with questions. Of course it helps that I work with legitimate roofers and thus can tell the difference.

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A common practice by both legitimate (as far as I can tell) and non-legitimate roofing companies is to offer “deductible free” roofing. In other words, they offer a free roof by covering your insurance deductible. This is a bit of a gray area as to legality and ethical behavior. While we all understand the free market opportunists, we must also consider who will be at fault if something someone else does on our behalf is illegal. So is a free deductible roof legal? Good question.

As a homeowner, you have a contract with your insurance provider that should cover you for damage to your roof from hail, wind, snow, tornadoes and etcetera. As part of your insurance, you pay a premium which is in part calculated with a deductible in mind. Your agreement is between you and the insurance provider (and not between the roofer and your insurance provider). Here lies the first question, “How does the roofer guy at the door know what my insurance provider will allow?” Simply stated, they don’t know and they are playing on your ignorance. When a roofing company suggests that they will cover your deductible or exchange your deductible for advertising (putting a sign on your lawn), they are walking a fine line of ethical behavior.

First of all, in order to cover the full expense of the roof, the roofer must fib a little on the insurance claim (which they are more than happy to do for you), so ask the question – “How do you get the insurance company to cover the deductible?” They will have a nice song and dance prepared about how “everyone does it” and “it’s a common thing” and “no-one ever says anything about it”. All of these statements could be true, but just because the roofers haven’t been caught, doesn’t make the practice legal. Fibbing on an insurance claim is fraud. Here’s the kicker – if the insurance company finds out, they will come after you – not the roofer. Remember, your insurance contract is between you and the insurance company. The roofer who completes your claim is simply an agent working on your behalf.

The exchange for advertising ploy is just a cover to make you feel good about scamming the insurance company, and let’s face it, no-one likes insurance companies to begin with, so getting something for nothing seems reasonable. But at the end of the day, you have a piece of litter in the yard that tells everyone who put up your new roof. As a side note, if you agree to trade advertising for the cost of your deductible, the roofer may be able write off the advertising as a business expense and claim you as the recipient of the deductible amount (consequently your deductible just became income subject to taxes).

So why risk it? Obviously, it’s a personal choice on your behalf and a business choice on the behalf of the roofing contractor. But at the end of the day, the roofer has their money from the insurance company and you have a roof. If you’re lucky, nothing ever comes of it and you have successfully skirted the system. If you’re not lucky, who knows, maybe the insurance company will let you slide… or maybe they won’t.

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Michael K. WilliamsFree Deductible Roofing

Time for your Roof Inspection

Before you get on your roof – check your warranty – you wan to check any restrictions that may void your warranty.

Then talk with your renters/occupants and ask if they may have noticed any leaks.Walk the building , especially areas that are unoccupied, to check for leaks Check the interior by looking on the ceiling and walls for water stains.Walk around the building’s exterior to look for cracks in exterior masonry or pre-cast panels. These could be indications of a roof leak as well. If you find leaks or areas that might be leaks but that you can’t tell for sure, it’s probably a good idea to hire a consultant or roofing contractor to determine the extent of the damage.

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Then, walk the roof to look for ripples or areas where may be ponding water. Look for any loose seams or any other obvious signs of distress. Take special care at the corners and edges, as most roof problems begin in these areas. Carefully inspect flashing and roof drains, and the area around any rooftop equipment.You will be looking for deterioration of the fascia, soffit and gutters\

As you do your roof inspection , it may be a good idea to take pictures. Also keep a file and write comments on each roof inspection. Make a sketch and mark potential issues.

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Michael K. WilliamsTime for your Roof Inspection

Hiring a Roofing Contractor – Tips and Tricks

Hiring a r­oofi­ng contractor is an expe­nsiv­e decision. Th­es­e ­are som­e reco­mmend­at­ions for maki­ng it easi­er.

T­o be­gin with you want to­ b­e sur­e t­o h­ire a company who special­izes i­n roofing. A general contract­or can be­ great for a­ lot of different jobs but you wa­nt to­ go w­ith a specia­li­st fo­r this ­on­e.

You a­lso­ wa­nt to­ beg­in yo­u research by checking ­into­ the­ir repu­tation. Start with reco­mmendati­o­ns from friends.

Aft­erwards, go ahead and start lo­o­king u­p prospe­ct­iv­e Phoeni­x ro­o­fers o­n the Internet a­nd the­ Be­tte­r Bu­s­iness B­ur­eau.

Be wa­ry of ­anyon­e who g­ives you­ a quo­te over the pho­ne­. Instead they sh­ould come out t­o y­our ho­use a­nd t­ak­e a good look be­fore g­iving yo­u­ a sp­ecul­at­ive­ figure.

Yo­u c­an als­o ­ask the bu­s­iness for photogra­phs or loca­tions of prev­ious work they hav­e do­ne s­o that y­o­u can se­e­ wha­t to exp­ect fr­om their craftsmanship.

A second thing to consider i­s wha­t types ­of roofing materials will be use­d i­n y­ou­r rest­oration o­r replacem­ent. If yo­­u ­are si­mply having a port­i­on of the roof repa­­ired it i­s li­kely you­ w­ant to­ find someone who will u­s­e a material as close or the sa­me as th­at wh­ich is a­lready in use o­n the­ rest o­f th­e ro­of.

With regards to repairing your roof, the quicker it could be done the higher. It isn’t safe residing in a home with a structurally unsound roof, and also this means you’re also forking out the cost to live elsewhere while it’s being repaired.

If, on the othe­r hand, you­ are­ having all n­ew roo­f­ing installed y­ou want to find ­out the qu­ality of the­ goods they ­are using and the price they are giving yo­u.

4 Tips to Help Find a Roofing Contractor

How long has the company been in business? Have any complaints been lodged with the Better Business Bureau? If so, how well were those complaints handled? A reputable co­mpany will have many years of experience behind them and very happy customers to prove it.

Interview as many roo­f­ing contract­ors necessary. It’s imp­ortant to be happy with the co­mpany and person you have chosen.

Do you bel­ieve you may need ro­of re­pa­ir or roof replacem­ent? Conta­ct me to get a pr­ofessi­ona­l estimate.

Contract­or insurance po­licies are for one year; and shady contract­ors have b­ee­n known to mo­dify the da­tes. Check carefully the dates on the Certificate of Insurance.

There­ are­ som­e m­ate­rials tha­t last lo­nger or requi­re less clea­ning bu­t th­ese often cost more. It usually br­eaks down t­o the fact th­at th­e m­ore­ you p­ay the l­ess maint­enance the­re will b­e and the longer you­ can go before you must replace­ it aga­in.

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Michael K. WilliamsHiring a Roofing Contractor – Tips and Tricks

When is it time to replace my roof?

Roofs are an under looked but extremely important part of ones home. It is our first defence against the elements and as a result can wear over time. Roofs have a long life span though and usually are only replaced when a roof failure is experienced but a new roof can be a smart investment in ones home if undertaken properly and compliments the rest of the structure. If your roof looks old and worn, there is generally no need for it to be replaced usually some sweat and hard work can restore it to beauty or better yet a little cash. But if you’re delaying replacing an old roof this can be a tricky situation. Whether to invest into a new one, or try to live it out is a hard toss up and not always easy to make if you are not financially well-off but professionals agree delaying it is not a solution. Often times it is better to undergo a replacement then to take the risk. This decision not only risks the health of your roof, but of other crucial structural parts of your home and in a worst case scenario the health of yourself or loved ones. Tragedies do happen and although unlucky it is always better to be safe than sorry. Here are some potential signs to look out for to ensure you are maintaining a safe and good looking roof:

  1. Shingle tabs are cupped or shingle edges are curled (Shingles refer to roofs with an overlapping structure)
  2. If neighbours are getting new roofs or if your own roof is starting to approach the 2 decade mark
  3. Cracked shingles
  4. Dark streaks, often airborne algae
  5. Spots where granules are missing (Granules refers to an often mistaken decorative mineral coat on roof tiles, although yes it is decorative they often are crucial to the structure of the shingles and can compromise the integrity of your roof)
  6. Moss


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Michael K. WilliamsWhen is it time to replace my roof?

Colorbond roofing

We Can Transform Just About Any Roof Into A Perfect New Colorbond® Roof

With a 25-year Manufacturer ‘s Warranty on Materials & a 10-year Workmanship Warranty!

Colorbond Roofs have been tested in some of Australia’s harshest climactic conditions for the last 40 years. Designed to both last and look good!

Any Colorbond Roof replacement has a 25-year Manufacturer ‘s Warranty on the materials and a
10-year Workmanship Warranty, so you can rest assured that you are making the best possible

Colorbond is made by taking Zincalume ( a Zinc and Aluminium alloy coating ) that delivers outstanding anti-corrosion performance and is lightweight, yet extremely strong. A conversion layer is applied to the surface to improved adhesion and then a polyester primer is baked on, followed by a top coat of specially developed, exterior grade paint which is again baked on. All ensuring maximum resistance to chipping, peeling or cracking. Colorbond Roofing is manufactured in Australia, so not only do you protect your home, you are supporting the Australian economy. There are 22 colours available.

We prepare your roof by stripping off the old roofing material and then fitting new Timber Battens to ensure a straight finish. A Heavy-duty Anti-condensation Blanket is then laid and the Colorbond roof sheeting goes over the top. The entire roof is then made watertight with custom-made Flashings, Roll Top Ridge Capping and Valley Gutters as needed. We can also install Skylights and Whirlybirds. The entire process can take 2 to 5 days depending on the size and complexity of your roof.

We will ensure that your roof is left weatherproof each night, as well as making sure the area is clean and any materials are put out of the way so that there are no unexpected surprises.

To ensure that you get the best service, we provide our most experienced technicians to inspect and quote on your roof. They are always happy to answer any questions that you may have and to explain the process.


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Michael K. WilliamsColorbond roofing

How do you know if your roof needs repairing?

It can be very difficult for you to know for sure if your roof is damaged in any way. Perhaps you have a leak and even then it could just be leaking into your roof space, how are you to really know? Unfortunately, it is a problem for a lot of houses and they are taking on water damage and other problems without them ever knowing. The best way you can know is to actually get up on your roof and check it out yourself, and this can be daunting. If you own a ladder you should get up and have a walk around, obviously be very careful or get someone who would be confident up on the roof to go up for you. While you are up there, there are a bunch of things you should be looking out for.

What to look for

On a tiled roof make sure you are only stepping on the bottom of each tile as you walk around. You will be looking for any cracks in your tiles or maybe even a whole sections of tile that are broken. If you take your time looking as you walk around the roof and find out just how many of your roof tiles are broken. For a shingled roof keep an eye out for shingles that are curled or buckling, also check to see if any shingles are losing granules which may mean the shingles are nearing the end of their life.

Remove any branches that could be dropping leaves into your gutters and blocking down pipes. Ask you local tree lopper for a quote to ensure your roof is free from any potential damage from falling branches.

Have a good look around the valleys on your roof (the area that lets the water run down the corners of the roof) look around them for any damage or debris, you also want to check down the sides of the valleys and make sure there is no way water can get through. The valleys are one of the most important areas of your roof, snow and rain flow through them so you definitely do not want them to be compromised in any way.

The chimney on your roof (if you have one) can be another problem area, that and any surface next to a wall. Make sure you have a good look around these areas, any flashing around the roof needs to be undamaged and secure. Make sure it is all looking OK. If you have access to your roof space that can be a good way of looking for any light that is showing through. One other thing that you can do while walking around your roof is just to make sure it all feels secure, any spongy feeling underfoot may indicate damage to the battens in your roof.

Overall I would not be worrying about your roof on a newer house, but most houses people are living in are at least 10 years old. Any house that is starting to get 10 years old or older will probably start to have problems with their roof. If your roof is at this stage it can definitely be a good idea to hire a professional to come in and have a look around. It’s cost effective to have your roof pressure cleaned and re painted rather than paying for a new roof installation.

Leaking roofs can cause damage to carpets and flooring so it’s important to get an experienced carpet cleaner to assess and damage and remove any water that remains in the carpet.

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Michael K. WilliamsHow do you know if your roof needs repairing?