Understanding the Insurance Claims Process for Roofing in Colorado

by J&K Roofing | Jun 26, 2023 | Commercial

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Understanding the Insurance Claims Process for Roofing in Colorado

If you’ve lived in Colorado for a while, you know the odds are good that you may need to file a roofing insurance claim in any given year. That’s because we receive some intense weather during storm season, including heavy hail, strong winds, and a surplus of ice and snow that can add a lot of stress and damage to your roof.

While the process for filing a homeowner’s insurance claim for roofing storm damage may seem overwhelming, it’s not as bad as you think — especially when you break it down into manageable steps. Keep reading for a step-by-step guide to filing a roofing insurance claim in Colorado.

How to File a Roofing Insurance Claim in Colorado

As soon as you become aware of any roofing issues, follow these steps for filing a claim with your homeowners insurance company.

Step 1: Document any roof damage

Take a walk around your house and look for any damage, inside and out. Pay attention to damage to gutters and downspouts, leaks in both your attic and ceilings, siding, windows, doors, exterior paint, damaged or missing shingles, solar issues, and anything else that looks out of place or possibly damaged from a storm.

Step 2: Schedule a damage assessment with a reputable roofing contractor

Research and select a quality roofing contractor. You can use the internet or ask your family and friends for recommendations. The main takeaway is to do your research and avoid falling for any scams. Remember that you’re responsible for hiring the roofing contractor who will repair your roof, so go with the best quality. If they offer a complimentary inspection and honest assessment, you know you’re in good hands.

You’ll want to schedule a roof inspection to verify the damage since you can’t always see the source of specific damage like leaks and moisture buildup in your attic. Damage to your roof can extend to other areas of your home, and a professional roofing inspection is the only way to make sure you’re covering all your bases.

An inspection will provide the required documentation and images for your insurance company to have your full scope of work included if you decide to file an insurance claim. Roof inspections are necessary after storms — they’re just a part of home ownership due diligence.

Step 3: Call your insurance company and file a roofing claim

Review your homeowners insurance policy, then give your insurance company a call. Understand that there are two types of claims: replacement cost and actual cash value. Actual cash value policies are based on the depreciated value of your belongings, and replacement cost coverage doesn’t account for depreciation.

Check with your agent to see what your deductible amount is and what mortgage company is listed on your account (if applicable). You might also check with your homeowners insurance for an incentive to upgrade to impact-resistant shingles.

What about my deductible?

You’ll have to pay your homeowners insurance deductible before your insurance company will cover anything. This applies to all amounts of work—big or small. Bear in mind that as a protective measure for homeowners, Colorado law prevents any roofing company from paying, waiving, or rebating an insurance deductible.

Step 4: Your insurance adjuster and roofing contractor will meet to assess damages

Your roofing company will work with your insurance adjuster to make sure that your estimate includes everything necessary to complete your roofing project. The contractor you choose to hire shouldn’t ask for a deposit before delivery of the materials. Instead, the initial check you receive from your insurance company is intended to cover the cost of the materials and should go to pay your roofing contractor.

It’s also important to note that there’s no statewide roofing license in Colorado. Your chosen contractor should obtain a permit from the local jurisdiction and post it in your front window before beginning the project. Upon project completion, the city or municipality will inspect your roof, and your roofing contractor should provide you with workmanship and material warranty information, as well as proof of a passed final inspection.

One important note to remember is that most insurance adjusters aren’t roofers. Our team at J&K Roofing will meet with your adjuster to review and discuss any issues with your roof to make sure everything is correct and agreeable. As part of this process, you should be told what’s being covered by your insurance company and what your out-of-pocket expenses are, like deductible, upgrades, etc. The plan that your roofing contractor recommends might include a roof supplement. Don’t worry — this is typically part of the process.

Step 5: Insurance claim is approved

Once you learn that your claim has been approved, you’ll want to review it to ensure all work needed for your roofing project is included in your claim. Due to how much is involved in getting a roofing project insurance claim approved, it’s not uncommon for specific aspects to slip through the cracks. Your roofing contractor can help you with this step.

Step 6: Installation of roof and any exterior projects

This is where the real fun begins because it’s the day you’ve been waiting for. Your roofing company will contact you with a project timeframe and general idea of what to expect. They’ll then arrive with the roofing materials they need to get started, likely on the first day of your project timeline. Typically, it takes 1 to 2 days for a new roof installation, based on the size of your project.

Your roofing company will leave a ladder set for the city inspector to access and perform final inspections. It’s important to leave this as-is so the process can be completed.

Step 7: Your contractor will invoice you for the entire amount of your roof project

This is where payment comes into the mix. Remember that you’re responsible for the deductible portion of your project, and it’s illegal under Colorado law for a roofing contractor to pay, waive, or rebate your deductible.

In most cases, if you have a mortgage on your home, you’ll receive several checks from your insurance company made out to both you and your mortgage company. You should start the process to obtain your mortgage company’s endorsement on these checks as soon as possible after you receive your first check. Call your mortgage company early in the process to learn their procedures for endorsing insurance checks.

Don’t Delay Your Roofing Project

After a storm hits or your roof sustains some form of covered damage, you have a limited amount of time to file a claim. Typically, this is one year from the date of damage to file an insurance claim.

When there are widespread hailstorms, it’s important to start work on your project as soon as possible. Don’t wait to get roofing repairs or replacements completed! If you choose to wait until the fall to make sure storm season is over, you might have to wait too long, and you might miss out on product inventory, color availability, or even the availability of your roofing company.

If your roof is leaking, have it repaired as soon as possible to prevent further damage. Schedule a free inspection today with us today. Call 303-425-7531 or click here to get in touch.

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Pros and Cons of EPDM Roofing: Is It Right for Your Building?

by J&K Roofing | Apr 17, 2023 | Commercial

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Pros and Cons of EPDM Roofing: Is It Right for Your Building?

You may not know it, but you’ve probably seen an unsung hero of commercial roofing materials and technology. It’s called EPDM, and it can make a huge difference in energy costs and building maintenance.

What Is EPDM Roofing?

EPDM stands for Ethylene Propylene Diene Monomer, and it’s a synthetic rubber roofing material that’s frequently used for commercial roofs. EPDM roofing is durable and weatherproof, making it one of the most perfect building roofing materials for commercial buildings in Colorado. It’s also one of the more sustainable roofing materials because its two main ingredients are ethylene and propylene, which make it environmentally friendly.

Pros and Cons of EPDM Roofing

Choosing the right roofing material for your commercial building is one of the most important decisions you can make since it impacts nearly all other maintenance aspects of your building.

There are many EPDM roofing benefits, including:

1. Affordability

EPDM roofing costs depend on a number of factors, including the style you select, condition of your roof, and more. Generally, EPDM roofing is typically less expensive than other common roofing materials like TPO (Thermoplastic Polyolefin) or metal, although material pricing can vary. It’s also usually cheaper to repair EPDM in the event of a puncture or other damage.

2. Weather Resistance

Today’s EPDM materials are far more durable when it comes to the kind of tough weather we experience in Colorado. It can withstand strong UV rays, hail, snow, heavy rain, and extreme cold better than other membrane materials.

3. EPDM Roofing Longevity

The technology behind roofing materials has come a long way and gotten better each year, and EPDM is no exception. You can expect high EPDM roofing durability, as the material can withstand temperatures from -40ºF to over 300ºF. Because the rubber it is made with is highly flexible, waterproof, and durable, you can expect to get many years out of your EPDM roof (assuming proper EPDM roofing maintenance).

4. Ease of Installation

EPDM roofing installation is a straightforward process. It has fewer seams than traditional roofing, is durable enough to walk on, and it can be installed without restructuring your old roof (which makes installation simpler and faster). This easy installation process for EPDM roofing also helps keep costs low.

5. Energy Efficiency

Depending on where you live, your choice of EPDM material and color can make it a highly energy-efficient roofing material. Denver is the dividing line for dark versus light low slope roofing color choices as we experience both high and low ranges in temperature and weather. For example, if you live in a cooler climate, like in the mountains, black EPDM can help you save on heating costs as the black rubber absorbs heat. And if you’re in a warmer climate or a dense urban area, you may choose a white EPDM roof to help handle the heat and lower your cooling costs. White EPDM is a newer option to the more popular white TPO in our region.

EPDM is also eco-friendly, as it can be recycled and requires less energy to produce compared to other rubber materials. Overall, EPDM is a good example of a green roofing solution.

6. Low Maintenance Requirements

To maintain your EPDM rubber roofing, you should regularly clean it and remove any debris or standing water. Maintenance is simple cleaning, meaning washing only with water. EPDM doesn’t do well with liquid solvent cleaners, as it will damage the material. You should also inspect your roof for any signs of damage, such as cracks or tears, and repair them promptly. It’s also recommended to have your EPDM rubber roof inspected by a professional roofing contractor annually.

Cons of EPDM Roofing

There aren’t as many EPDM roofing drawbacks as there are benefits, but here are three to bear in mind.

1. Appearance

EPDM is traditionally available in black or white, while TPO options also include gray, tan, and other colors. While black is easily the most common color, EPDM does sell with a white surface, or laminated top. This is done to compete with the TPO and PVC options and to achieve the Cool Roof ratings and/or energy-efficiency performance effects.

2. Shrinkage and Less Resistance to Punctures

EPDM roofing material is highly durable, but it can still become damaged. EPDM rubber is known to be less resistant to punctures and tears compared to other roofing materials such as PVC or TPO. It also tends to to shrink and curl over time, which can lead to leaks and other issues if not properly installed or maintained. Most often, EPDM damage is limited to punctures and tears that occur from things like fallen tree branches, pests, or someone wearing the wrong shoes while walking across it. Fortunately, EPDM is relatively easy and inexpensive to repair.

3. Maintenance Issues if Not Properly Installed

Roof protrusions, such as pipes, vents, and HVAC units create natural vulnerabilities in the integrity of your roof. Making a mistake around these areas can leave your roof vulnerable to leaks that can cause long-term damage. Seams are also an area that can require maintenance, as they can dry out over time. Poor cleaning or priming will also lead to failing seams and areas around pipes. Resealing and re-coating are the most viable options and really do extend the life of the roof.

Considering an EPDM Roof for Your Business? Trust a Professional for Your EPDM Roofing Needs

A new roof is one of the most expensive investments you can make to your building, but also one of the most important. Whether you’re replacing or repairing your existing commercial or residential roof, choose a trusted, local professional roofer to get the job done right.

Our team has all the experience needed to professionally install your EPDM roof and make sure you’re set up for decades of success. We are certified and knowledgeable when it comes to EPDM, and we won’t consider the job complete until you’re satisfied.

Give us a call at 303-425-7531 or click here to get started on your EPDM roofing project.

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Dangers of Neglecting a Leaky Commercial Roof

by J&K Roofing | Feb 7, 2023 | Commercial

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Dangers of Neglecting a Leaky Commercial Roof

Owning a commercial property in Colorado can be a great way to make money. But if you don’t take care of your commercial roof, you might have to face an expensive reality at some point.

Because most commercial buildings have low-slope or flat roofs, they can be susceptible to water pooling, leaks, and other commercial roofing problems. And in Colorado, the weather doesn’t offer you many favors when it comes to commercial roof maintenance: hail storms, wind storms, heavy snow, high temperatures under blistering sunlight—any one of these could spell trouble for your commercial roof when you’re least expecting it.

You can’t afford to overlook a leaky commercial roof, and here are some of the top reasons why.

Leaks Lead to Mold

Commercial roofs are often the victims of water pooling since they have low or no slope to them. Without proper drainage, your commercial roof might begin to leak, which causes a whole host of issues including mold. Mold and mildew are dangerous and can cause serious illnesses in humans, so it’s best to not mess around with commercial roof leaks and water damage!

Your Energy Costs Go Up

Those same cracks and leaks in your commercial roof can let warm air escape in the winter and cool air escape in the summer, causing your energy costs to increase and your problems to compound.

Pests Can Take Advantage

If you don’t take the time to prepare your commercial roof for a strong storm—or you let too much time pass by following a significant storm—you could run the risk of creating more problems than just cracks and leaks in your roof. These small openings are perfect for pests and animals to sneak inside your roof, nest, and create additional hazards. After any strong storm, it’s a good idea to have your commercial roof inspected for damage to help prevent such problems from arising.

Your Roof Becomes Weaker & More Dangerous

As time goes on and your roof withstands the weather throughout the changing seasons, routine maintenance becomes much more important. Roofing materials are made to be durable and last for decades, but they will weaken over time and become dangerous to those inside your commercial building. It’s very important to maintain a regular roof inspection schedule and address any necessary repairs immediately.

Higher Repair Costs

Not only is it safer to deal with commercial roof leaks and other roofing issues as soon as they arise, it’s also easier on your bottom line. Preventative maintenance and timely repairs will lengthen the life of your roof and save you money in the long run. Schedule an inspection with a trusted, local roofing company today to make sure you’re not in for a rude awakening later!

Don’t Delay Commercial Roof Repairs

Truly, ignoring the need to fix a roof leak in Colorado on your commercial property is a bad idea.

The best thing you can do to fix your commercial roof leak is to contact an experienced roofer for a commercial roof inspection. Not only will this save you from the dangers of getting on top of a potentially unstable roof, but it will also possibly save you money on repairs.

Our team at J&K Roofing is experienced and skilled at commercial roof leak detection. We will inspect your roof for potential problem areas and keep you informed the entire way through. Get in touch with us today for all of your Denver roof leak repairs and commercial roofing needs!

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All You Need to Know About Built-Up Roofing

by J&K Roofing | Dec 21, 2022 | Commercial

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All You Need to Know About Built-Up Roofing

In many action movies, there’s a big fight scene that takes place atop a large commercial building. You see the characters running around large vents and HVAC systems, and you can hear their footsteps on gravel.

Have you ever wondered why so many commercial buildings have this same style of roof?

It’s called a built-up roof, and it’s a long-lasting, durable, and inexpensive option for flat or low-slope commercial roofs. Let’s take a closer look at a built-up roof’s components and why they’re so popular.

What Is a Built-Up Roofing System?

The built-up roofing system (BUR) has been around for a long time—more than 100 years, in fact. It’s a time-tested technology that is commonly used on commercial buildings throughout the country. The odds are good that you’ve seen one or stood on one at some point.

To put it simply, a BUR is a roof that consists of many layers of asphalt that are applied in between layers of felts or ply sheets. A common built-up roof would be stacked like this, starting with the bottom layer:

Deck surface
Roof insulation
Asphalt
Cover board
Asphalt
Ply sheet
Asphalt
Ply sheet
More asphalt
Ply sheet
Reflective roof coating

Benefits of Built-Up Roofing

If you’ve ever seen someone standing atop a roof and it looks like they’re mopping, they were likely reinforcing the top layer or completing a built-up roofing repair.

The two main types of built-up roofing are modified bitumen and ballast roofs. Modified bitumen roofs have a mix of asphalt and rubber, and have a layer of gravel on top. In ballast roofing, the lower levels do not adhere to the roof structure, but instead have a top layer of smooth river stone and larger gravel.

Benefits of Built-Up Roofing

There are many reasons why built-up roofs are so popular for commercial buildings in Colorado and beyond, and here are just some of them.

Simplicity: A BUR system is relatively straightforward in its composition, and as such, it is easy to install and maintain. They are incredibly waterproof thanks to the many layers of materials involved.

Low Cost: Depending on your roof and the materials used, your built-up roofing system might be relatively inexpensive to install.

Efficiency: The roofing materials used in a built-up roof are great insulators, which help keep your energy costs low. For example, the type of asphalt applied to the top layer of your BUR can help reflect the sun’s rays away from your roof.

Fire Resistance: Because asphalt is a primary material in a built-up roof, they are very fire-resistant.

Longevity: A built-up roof should last 30 years or more. That’s because it is made with durable materials that are easy to maintain and are able to withstand significant storms. Plus, most BUR systems come with strong warranties that tend to last around 20 years.

Traction: The combination of gravel and tar (or a mineral-surfaced cap sheet) in the top layer of a BUR makes it very slip-resistant. So if your roof gets a good amount of foot traffic, you’ll benefit from increased traction, even in wet conditions.

Appearance: Built-up roofs usually have an aesthetically pleasing look to them, thanks to the mineral or gravel used in the top sheet. This means a BUR can blend in with nearly any building or neighborhood.

Disadvantages of Built-Up Roofing

There aren’t a lot of disadvantages to having a BUR, which makes them a great option for any commercial roof in Colorado. With that said, you’ll want to be aware of the following considerations.

Leaks: While built-up roofing repair can be simple and straightforward, it’s not always easy to identify areas needing repair or where the leak started due to the many layers of material. For example, hail-affected areas can create cracks that are difficult to spot with the naked eye, which can mean water leaks and damage.

If you notice a leak in your commercial roof or you can’t remember the last time you had any work done on it, then it’s time for a commercial roof inspection.

Ponding Water: Due to the low-slope nature of BUR systems, it’s not uncommon for to occur. If the water sits around for too long—48 hours or more—it can weaken your roof and introduce leaks or other problems.

Weight: With so many layers of materials, built-up roofs can be heavy, which means that your building must be able to withstand the added pressure that comes with it. On top of that, it’s common to have HVAC systems and other essential building equipment on a commercial roof, which adds to its weight, and adds details that can fail around the HVAC systems.

Wind: Depending on the materials used in your BUR, strong winds can introduce unexpected problems. Your commercial roof may have already gone through a built-up roof pull test to make sure it can withstand the strong winds in Colorado. If not, you can have it performed to make sure your BUR will last.

Trust the Professionals

If you have a built-up roof on your commercial property—or you’re ready for a commercial roof replacement—trust an experienced roofing company in Denver like J&K Roofing.

We have nearly four decades of experience installing and maintaining residential and commercial roofs throughout the Denver Metro, Front Range, Colorado Springs, and Northern Colorado areas. Our entire team is experienced, qualified, and certified in all the materials we work with, and we prioritize quality work for your project.

Give us a call today at 303-425-7531, or complete this form and we’ll be in touch!

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Benefits of Drainage for Commercial Flat Roofs

by J&K Roofing | Dec 7, 2022 | Commercial

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Benefits of Drainage for Commercial Flat Roofs

If you have a commercial business in Colorado, the odds are good that your building has a flat or low-slope roof. That’s primarily because a commercial flat roof is inexpensive to install, easy to maintain, provides a location for HVAC equipment, and it’s relatively versatile for most environments.

But there’s one big issue with them: commercial flat roof drainage.

Especially in Colorado where heavy snowfall happens overnight, a flat roof is susceptible to drainage problems, which can lead to ponding or standing water. Ponding is a sign of an underlying issue. Sometimes it happens because the roof drainage is blocked. It can also be caused because of a design or material issue. If you don’t take care of ponding water on your commercial roof by removing it in a timely manner, you might be at risk of serious damage.

Why Water Ponding Is Bad for Your Flat Roof

Because of their low slope, commercial roofs can easily accumulate water. This is not only bad for your roof, but it can also cause damage to your essential heating and cooling systems, the interior of your building from water leaks and mold, and even your building’s foundation if the situation becomes bad enough. And because water is heavy, large pools can add significant weight to your roof and building’s structure.

A general rule of thumb is that water on your roof should either evaporate or be drained away within 48 hours of appearance. If you notice ponding water lasting longer than that, you need to take action to prevent other damage to your roofing materials and your building.

Benefits of Commercial Flat Roof Drainage

1. Saves You From Severe Damage

Ponding water—whether it’s from rain, snow, hail, etc.—can soften your roofing materials and lead to cracks and leaks. Draining your commercial flat roof can prevent such issues from occurring and save your building from serious damage, including mold.

2. Extends the Life of Your Commercial Roof

The science is simple: the better maintained your roof is, the longer it will last. Properly draining your commercial roof is non-negotiable if you plan on keeping your roof in action for as long as possible. In particular, you should have your roof inspected after any significant weather event like a hail storm.

3. Protects Your Business From Preventable Closure for Repairs

The last thing you want for your customers is to have to close up shop because your building needs significant repairs. Properly draining your commercial roof—and taking care of commercial roof repairs as needed—can help you keep your business running smoothly and without unnecessary interruption.

4. Prevents Other Unexpected Damage

Water leaks and mold aren’t the only damage that you can experience if you don’t have your commercial roof drained in a timely manner.

Ponding water can soften your roof deck and make your flat roof dangerous to step on. It can also attract pests like mosquitoes and other animals that can cause preventable damage to your roof. For example, birds create a lot of mess, and they can contribute to plant and fungal growth on your roof, which can be difficult to remove.

How To Prepare Your Commercial Roof For A Storm

by J&K Roofing | Feb 16, 2022 | Commercial

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How To Prepare Your Commercial Roof For A Storm

It wasn’t too long ago that a terrible storm ripped through the greater Denver area and caused significant damage to many homes and businesses. In fact, in 2017 the entire Colorado Mills mall—with a roof the size of 21 football fields combined—was forced to close for commercial roofing repair due to a spring hailstorm.

Fortunately, there were no casualties or serious injuries as a result of the storm, but the point remains that storms can lead to costly damage, and they can be dangerous for the people inside.

Since weather predictions aren’t a perfect science, the best we can do is to enter storm season prepared for what may be ahead. Ensuring your roof is in good condition can be the best approach for storm damage prevention.

Here’s how to prepare your commercial roof for a storm.

1. Make Roof Inspections and Maintenance Planning Part of Your Standard Routine

You may not have enough advance notice of an upcoming storm to be able to schedule any commercial roof maintenance before it hits, but you can take preventative measures on a regular basis to make sure you’re prepared for bad weather.

Incorporate routine commercial roof inspections as part of your regular maintenance to have your roof inspected for any undetected leaks, cracks, sagging or weak spots. Have a roofing professional check for any possible problems around vents, skylights, eaves and joints.

You’ll want to make sure your roof isn’t showing signs of physical damage or problem areas where water or snow may accumulate. A best practice is to have your roof inspected twice a year and after every significant storm.

2. Have a Plan for Snow Removal

It can snow as late as May in Colorado, making it essential to prepare for snow storms, heavy wind, rain, and hail your springtime commercial roof preparation.

Specifically, you need a plan for snow removal. If heavy snow sits on a commercial roof for an extended period, leaks, ice dams, ice cycles and other problems can arise. This is especially important if you have a flat commercial roof.

3. Ensure Roof Flashing Is in Tact

As part of your inspection and preparation, take a look at your commercial roof flashing to make sure it’s not damaged and will do its job of directing water away from sensitive areas like joints, vents, and exhausts. Replace any damaged flashing upon discovery to protect your roof and your building’s exterior.

4. Regularly Unclog Gutters & Drains

Because rains and storms can direct debris to your roof drainage system, they need to be cleaned regularly to avoid clogs. Clogged gutters could lead to preventable leaks, mold and mildew and a bunch of other issues for your roof. Check and repair any cracks or loosened gutters or drains.

5. Inspect Rooftop Equipment

Many commercial roofs house HVAC systems, solar panels, pipes and plumbing systems, etc. Intense storms can put any of these at risk, and if they’re not properly secured to your roof, they could jostle around during a storm, creating cracks and leaks in your roofing surface. Check to make sure everything is properly strapped down or secured.

Faulty equipment on your roof can also cause a variety of issues to your commercial roof’s integrity. Leaky air conditioners, faulty wiring, unsealed vents are all the things you will want to avoid to protect your roof and keep people in your building safe.

Here’s more information on what kind of equipment is often stored on commercial roofs and how susceptible they are to storm damage.

Faulty equipment on your roof can cause a variety of issues to your commercial roof’s integrity. Leaky air conditioners,faulty wiring, unsealed vents are all the things you will want to avoid to protect your roof and keep people in your building safe.

6. Trim Trees & Remove Debris

An essential part of your commercial roof maintenance should be ensuring debris is removed as soon as it is spotted. This includes tree branches and anything else that may find its way on top of your roof.

The problem with tree branches and other rooftop debris is that they can pile up and prevent proper drainage. Even small pieces of debris can get lodged in your gutters and downspouts, which can lead to serious damage if you don’t take care of them.

7. Keep Your Commercial Roof Clean

Keeping your roof clean can help avoid a buildup of debris that can lead to clogs, algae or mold growth. Any of these issues can lessen the life of your roof. Having regular cleanings and making sure all equipment is clear of debris will protect your commercial investment for the long haul.

8. Schedule a Commercial Roof Inspection Before the Storm

The single best thing you can do to prepare for storm season is to have your commercial roof inspected. A professional commercial roof inspection and regular preventative maintenance can save you significant damage and prevent you from needing to replace your roof before it’s absolutely necessary.

Call a Professional Commercial Roofer

Call J&K Roofing at 303-425-7531 or click here to schedule your commercial roof inspection. Let us help you protect and extend the life of your commercial roof.

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