What is a Roof Supplement and How Does it Help You?

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What is a Roof Supplement and How Does it Help You?

What is a Roof Supplement and How Does it Help You?

Consider this hypothetical scenario: you know your roof has some damage from hail and fallen tree limbs after an intense storm. You contact your homeowner’s insurance company, and they send an adjuster out to take a look at your roof and approve your claim.

Adjusters aren’t roofers, and they usually don’t have the experience necessary to identify all damage and provide an accurate claim estimate. So, in this hypothetical situation, your adjuster approves a claim that is a couple thousand dollars short of the actual estimate for the work.

What happens next? How do you address this shortfall so you’re not on the hook for the outstanding amount?

You’ll need a roof supplement. This article will detail what a roof supplement is, how to know if you need one, and what else goes into this essential piece of the roofing process.

What is a roofing supplement?

A roofing supplement is a standard piece of a homeowner’s insurance claim, and more often than not, they’re expected. For example, an adjuster might not account for the correct amount of shingles needed to repair or replace your roof, or maybe they overlook other essential elements like your roof flashing or roofing underlayment.

Your roofing contractor will inspect your roof and provide an estimate to repair any damage. That estimate—including any additional materials or labor necessary to complete your project—gets sent to your insurance company, which may send the adjuster out again to ensure the repairs are covered.

What causes a roofing supplement?

Supplements are somewhat expected for a reason we can all understand: we’re human, and mistakes happen! Adjusters don’t always get it right; sometimes, a project requires more material or labor than expected.

Other reasons you might have a roofing supplement include unforeseen code updates or permits, or maybe your roofing contractor discovers additional damage once the project begins. For example, they might pull back your shingles and find damage to metal flashing, or your roof deck may need to be reinforced to accept the new shingles or roofing material.

The bottom line is that a roofing supplement isn’t a bad thing; it’s necessary to repair your roof properly.

How do I know if I need a roofing supplement?

Both your insurance adjuster and your roofing contractor should walk you through the damage they see and the required repairs. If you’re aware of any other damage that hasn’t been addressed—like broken gutters or windows, or damaged siding—you’ll likely need a supplement.

Since most homeowners aren’t expertly trained to look for damage, you’re at the mercy of your roofing contractor. That’s why it’s so important to vet your roofing company properly; you need to work with a company you can trust.

What will my roofing contractor do to supplement my roofing claim?

Your roofing contractor is your partner in getting your home back in good shape. They will provide an accurate scope of work, including pictures of the damage, a copy of code requirements that might impact the estimate, and anything else your adjuster asks for to approve your insurance claim.

How can I help make my claim go more smoothly?

You can do a few things to speed up your claim process and make it go more smoothly.

For starters, take a look for yourself! Make a list of the damage you see from the ground and document it with photos to show your adjuster and roofing contractor.

You can also ask your roofing contractor to be present when the adjuster is performing their inspection. That way, they can chat and make sure everything has been addressed.

And don’t be afraid to speak up and ask questions! Doing so can save you time and prevent unnecessary back-and-forth before your claim is approved.

Choose a Roofing Contractor With Supplement Experience

Go with a roofing company that has experience with roofing supplements. They will know how to get your claim approved for the full amount needed to complete your project.

J&K Roofing has a project management team and a supplement team. We supplement as soon as possible, utilize software for exact measurements, know what kind of pictures and videos will best support your claim, and will compile all of the documentation required to complete your claim.

Get in touch with us today by completing this form or calling 303-425-7531.

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How To Hang Your Holiday Lights Safely And Without Damaging Your Roof

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How To Hang Your Holiday Lights Safely And Without Damaging Your Roof

hang christmas lights on gutters

Believe it or not, the holidays are upon us, and that means it’s time to put up decorations! Whether you’re the type to go all out with ornate holiday light displays or take a more modest approach with simple decorations, you want to make sure that your installation process is safe and won’t cause any damage to your home or permanent fixtures.

Specifically, hanging holiday lights can be a fun holiday tradition, but it can also be dangerous if you don’t know what you’re doing. Moreover, taking the wrong approach when you go to hang holiday lights could damage your roof system and potentially create issues from snow, ice and water.

With a little planning and some best practices, you’ll get your holiday lights up without any issue. Here’s how to hang holiday lights outside safely and without damaging your roof.

Plan Your Design

You don’t need to over-engineer the process, but having a plan for how to hang holiday lights can save you a lot of stress and prevent costly mistakes. Most of all, make sure you do everything safely—no one wants to recreate any scenes from National Lampoon’s Christmas Vacation!

To that point, create a plan that doesn’t involve getting on top of your roof for a basic precaution.

Measure Twice

To avoid running out of lights you’ll need to complete your planned design (and prevent mixing and matching lights that aren’t the same color), make sure you take correct measurements. Factor in your power source and whether or not you’ll need extension cords. And don’t forget about connection limits! To avoid fire hazard, be aware of how many strings you can safely connect to the same power source.

Here’s a helpful resource on the different Christmas lights available and their related power consumption.

Determine How to Attach Your Lights

There’s more than one way to decorate a Christmas tree, and there’s more than one way to hang holiday lights. One of the most important tips you can remember is to avoid using nails, staples, or drilling into your roof or gutters—doing so might create holes and other damage to your gutters and shingles. And with winter storms rolling into Colorado any day, maintaining your roof for winter is more important than ever!

Hanging Lights on Gutters & Shingles

If you want to hang Christmas lights on gutters or shingles, one of the most common methods is to use universal plastic fasteners and clips, which are inexpensive and easy to use. You can even attach them to the lights before climbing your ladder and clipping them onto your house. In order to protect your roof, be sure any fasteners you are using don’t puncture your roof or shingles in any way.

Pay attention to how your plastic clips are arranged, and keep them all going the same direction for the most effective strategy and the best results. Most clips are designed to either clip over your gutters or slide below your shingles. Either way, do your best to protect your gutters and shingles to prevent damage to your roof.

You might be tempted to drill into your fascia board to hang hooks or other hardware, but this is not recommended. Your fascia board is the long wooden board that closes up your attic from the outside and holds your gutters in place. Any holes in the fascia board may cause damage and eventual rot.  Any damage to it could lead to leaks and other roofing problems.

Keep Safety Top of Mind

Hanging your outdoor holiday lights should be a fun, creative holiday tradition. We recommend that you work with another person to make the process fun and safe. Make sure you follow best practices for using a ladder, keeping your hands free by using a toolbelt or bag to hold additional clips and tools, and overall, be mindful of your plan for hanging holiday lights. Do not attempt to hang lights when snow or ice is visible on the ground or on the roof, or during wet weather conditions. It’s recommended that only a professional should stand or walk on a roof and only sparingly to avoid the risk of damage to the shingles.

Never do anything that feels unsafe and always have someone with you while you are hanging lights.

J&K Roofing Will Help Protect Your Roof

To make sure your roof is in the best possible shape before winter storms arrive, get your roof inspected. J&K Roofing offers free roof inspections in the Denver Metro, Front Range, Colorado Springs, and Northern Colorado areas, and we’ll help make sure your roof is in top shape for winter. Contact us today to schedule your inspection!

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