Educate, Empower, Guide is our motto, and with that goal in mind we speak to thousands of roofing professionals every year. We take our job and their job very seriously, and because of that safety is an ever-present subject in our classes. As we start the new CARE website, what better way than to share yet another initiative from OSHA, whose goal is the safety of all workers!
CARE’s Q&A with a Roofing Expert: Chris Mooney
Welcome to our monthly "CARE’s Q&A with Roofing Expert" series.
How can a homeowner identify a good salesperson?
CARE’s Q&A with a Roofing Expert: Tim Botkin
Welcome to our monthly "CARE’s Q&A with Roofing Expert" series.
CARE’s Q&A with a Roofing Expert: Helene Hardy Pierce
Welcome to the inaugural, monthly "CARE’s Q&A with Roofing Expert" series.
How to Deal with Insurance Deductibles During Hail Storms
By John Arellano,
South West Region Manager
Certified Contractor Program
It’s finally spring! Seldom do I look forward to leaving winter behind as I did this year. Spring is synonymous with things such as blooming flowers, warm days, cook-outs, and visiting friends after being cooped up all winter. But down here in Texas, spring is also synonymous with hail. This can be proven by the recent hail storms that blew across the Southwest, leaving a trail of damage in their wake. These storms impacted Texas, Louisiana, and Kansas, and surely have a lot of us roofers preparing for what appears to be the beginning of a busy year. In Texas alone, the Insurance Council of Texas estimated that the storms damaged 24,000 vehicles and 12,000 homes, causing about $300 million in damage.
As roofing professionals prepare to service these customers, they should be aware of a few things. Insurance carriers have been busy increasing deductibles and decreasing coverage (that, of course, is this writer’s opinion, but you be the judge). Dollar-based deductibles of $500 or $1,000 used to be the norm. Try finding a policy that provides those deductibles for a roof in Texas these days. You are more likely to find that a percentage-based deductible of 1, 2, or 5% is the new norm. A percentage-based deductible generally applies to the roof in the event of a wind or hail event and establishes the deductible as a percentage of the home's insured value. So, a home insured for $250k with a 5% wind or hail deductible would have the homeowner paying $12,500 before the insurance carrier kicks in their share. Are you thinking what I’m thinking: "Hey, that’s what the roof costs!"
In preparation for these now common high deductibles, I recommend you find yourself a financing partner. Most homeowners don't have $12,500 sitting in their savings account. You are going to need to combat this issue by offering financing to your customers consistently. Financing does a few things for you:
Los Angeles Becomes the First Major City to Require “Cool Roofing”
It is well known fact that energy costs are a growing concern, and that building owners as well as local governments are actively looking for ways to make structures more efficient and environmentally friendly.
Which makes it no surprise that in the future, cities — small as well as large — will implement regulation for the use of energy efficient products, and that will certainly include roofing.
According to Professional Roofing (PR) magazine, the city of Los Angeles has passed an update to their building code addressing the use of cool roofing on all new and refurbished homes, becoming the first major city to do so. PR states, “LA…requires all new and refurbished homes to have a cool roof”. The city hopes that implementing this upgrade “will help reduce the effects of global warming, according to www.kcet.org and www.climateresolve.org”.
In the same article, PR quotes a study from UC suggesting that local temperatures will “rise between 3.7 degrees Fahrenheit and 5.4 degrees Fahrenheit…with the number of ‘extreme heat’ days above 95F tripling in downtown Los Angeles”. Tripling! With dark roofs reaching temperatures nearing 200 degrees Fahrenheit, it is safe to assume that such roofs have influence in the surrounding environments.
GAF has invested in energy efficient roofing technologies for a long time. EverGuard TPO, Topcoat, and Timberline Cool Series Lifetime Shingles are just a few examples of energy efficient products within GAF’s portfolio.
You can read the whole article at http://www.professionalroofing.net/news/details.aspx?id=417 and for more information on energy efficient product go to www.gaf.com
WALPOLE TPO EVENT SUCCESS
The CARE team has completed the first Walpole "2 Day TPO" event this week, with great success. The event had 37 students on the first day and even after a 12" snow storm, 20 returned for the second day. Attendees were a mix of commercial and residential contractors, with the majority being residential. Their interest in TPO as a complement to their business was great, and leads us to believe that this is a need that we are just starting to meet in this region. The commercial contractors were impressed with GAF's quality standards and with what we can offer as collaboration and support; at least one that has been using a competitor, will start using more GAF. The have also learned details about our shingles that have impressed them. We are constantly looking for new and better venues to hold these type of very needed events. For now at Walpole, we have two more sessions schedule for 2014, however if you have a request, please let us know.
“What started out as an ordinary, sunny fall day in Wayne quickly progressed into a
fun-filled morning of competitive spirit and learning as members of the Wayne Marketing
group were treated to a CARE training seminar on the proper installation of both
low-slope and steep-slope roofing products. We all know that CARE does a great job educating
our contractors on proper, safe installation of our GAF roofing products. CARE was also great
at getting the Marketing team engaged in learning not only about a variety of steep-slope and
low-slope products, but also about addressing specific installation questions that our contractors have.
Paulo Vieiradias and Erasmo Fuentes didn’t just tell us, however. They had Marketing take a walk in the contractor’s shoes and do the installation themselves. This experience helped Marketing understand contractor issues and concerns, and will guide them in their product development and communication efforts.”
FALLS ARE THE LEADING CAUSE OF DEATH IN CONSTRUCTION. In 2010, there were 264 fall fatalities (255 falls to lower level) out of 774 total fatalities in construction. These deaths are preventable.
Falls can be prevented and lives can be saved through three simple steps: