Dealing with Wildfire Risks: Roofing Materials and Maintenance for Fire-Prone Areas in Colorado

Our Blog

Dealing with Wildfire Risks: Roofing Materials and Maintenance for Fire-Prone Areas in Colorado

Dealing with Wildfire Risks Roofing Materials and Maintenance for Fire-Prone Areas in Colorado

Having a home in the Colorado woods is a dream for so many people, and for good reason. Living in a rural or forested area of Colorado can offer peace, quiet, and natural beauty that can improve your emotional state and overall way of living.

But with that picturesque lifestyle comes some significant risk, and we’re not talking about bears and mountain lions (although you should watch out for those, too). We’re talking about wildfires, which seem to be happening more often over the last decade.

Wildfires can be devastating, but there’s a lot you can do today to potentially slow the spread of wildfires around your property and reduce the risk of being impacted. Keep reading for tips on the best roofing materials and maintenance for fire-prone areas.

What makes Colorado prone to wildfires?

Colorado has many forests and heavily wooded areas that are ready to ignite, especially during warmer, dryer years. We have a number of rural areas where homes and structures are built and intended to exist along with nature, but as idyllic as that sounds, it can also lead to bigger, more dangerous fires.

The climate in Colorado doesn’t do us any favors, either. Year after year, we experience high temperatures with little humidity, both of which zap plants and trees of moisture. Add to that an intense storm season with high winds and electrical activity in the air, and you have a good recipe for an ignition.

What can Colorado homeowners do to protect their homes from wildfires?

A good strategy for protecting your home from wildfires is to start with your home and work outward.

  • Maintain your home and property. Keep your decks, roof, and gutters clear of all debris, especially flammable materials like pine needles and leaves.
  • Make sure your roof has a Class A fire rating. This rating indicates the flame spread rating of your roofing materials. Those with a Class A fire rating have been tested to ensure their spread rating is between 0 and 25 — the lower the number the better.
  • Upgrade windows to tempered glass. Double-pane windows with tempered glass are a great option.
  • Replace flammable fencing and gating. Replace any flammable materials that sit within 5 feet of your home.
  • Create vertical clearance between the ground and your siding. You want at least 6 inches of clearance between the ground and your siding for proper wildfire protection.
  • Use ⅛-inch metal mesh to screen sensitive areas. This includes your attic, eaves, foundation vents, and deck.

Another step you can take to protect your home and property from wildfires is to create defensible space zones, which are management zones intended to prevent or slow the spread of a wildfire. In each of these spaces around each building or structure on your property, treat, clear, or reduce manmade or natural fuels to prevent embers from being produced or a fire from spreading.

What kind of materials are best for homes in areas prone to wildfires?

The best way to know if you have fire-resistant materials on your roof and home is to look them up and ensure they have a Class A fire rating.

Specifically, these roofing materials are good in wildfire-prone areas:

  • Metal roofing
  • Clay or concrete tile
  • Slate tile
  • Fiberglass-based asphalt shingles
  • Synthetic composite

Wood shake shingles are a bad option for areas where wildfires might occur. In fact, some municipalities in Colorado and in other states have banned them from being used on homes because of how flammable they are. Due to this risk, some insurance companies increase the cost to insure your home, or won’t insure your property at all if you have a wood shake roof.

If you live in a rural, wooded area and your home has a wood shake roof or some other type of flammable material, you should consider other options that have a Class A fire rating. Click here for a free inspection that comes with notes and suggestions on how to reduce your wildfire risk.

We Can Help

The idea of dealing with a wildfire in Colorado can be scary, but if you take proper precautions and maintain your home and property, you can greatly reduce the risk that you might be affected. Remember that firefighters will do their best to contain a fire, but it’s ultimately up to you as a property owner to reduce the possibility of damage from a wildfire.

But the good news is that the team at J&K Roofing is here to help. Our team is experienced and knowledgeable when it comes to fire-resistant roofing materials, and we’re certified to work with every material we offer for your next home project. Get in touch with us for your roofing, siding, and window needs. Call 303-425-7531.

Share this Post

Request A Free Inspection

When Your Insurance Company Denies Your Claim

Our Blog

When Your Insurance Company Denies Your Claim

I Asked ChatGPT About Solar Roof Shingles

We get a lot of strong storms in Colorado season after season, year after year. And you might think you’re in the clear once a storm has passed through your area and the sun comes back out, but that’s not the case.

After any strong storm, you should have your roof inspected and see if you need to file an insurance claim for wind damage or hail damage. But what happens if your claim is denied? It’s not an ideal situation, but it’s also not the end of the world — you still have options. Here’s what you need to do if your insurance company denies your roofing claim for storm damage.

How to File an Insurance Claim for Your Roof

The process for filing an insurance claim for storm damage is not always simple, but it’s not too bad if you break it down into manageable steps. Here’s a quick summary of what you need to do:

  1. Before calling your insurance company, review your homeowners insurance policy.
  2. Document any roof damage.
  3. Schedule a damage assessment with a roofing contractor. They will also provide you with an estimate.
  4. Contact your insurance company and file an insurance claim.
  5. Based on your claim, your insurance company will schedule an appointment for an insurance adjuster to inspect your roof.

As a homeowner, you should always maintain the integrity of your roof and property. If a roof repair is needed, get it taken care of right away. Hire a professional roofing company that will provide a roof inspection and a damage assessment including pictures and a roofing supplement to support your insurance claim.

If your roof damage insurance claim is approved, you should also receive a first check that will cover half of the amount needed that goes to your roofing company to make any necessary repairs or roof replacement. You will also be required to pay your deductible that is listed in your insurance policy.

Once the work is completed, documentation is provided to your insurance company showing that the first check went towards your project. You will be sent a second check to cover any remaining costs that the first check did not cover. This check also goes to your roofing company. After receiving the second check, the job should be paid in full.

If your insurance claim is denied, keep reading.

Why Some Homeowner’s Insurance Claims Are Denied

If your homeowner’s insurance provider denies your roofing claim, they will provide you with details on their decision. In Colorado, the possible reasons for a denied claim can range, but some examples include:

  • You waited too long to file a claim. Your typically have one year from the date of damage to file an insurance claim and have work completed.
  • The cost to fix your roof is less than your deductible.
  • Normal wear and tear or issues due to lack of routine maintenance and repairs.
  • Certain types of damage may be limited or excluded from coverage.
  • Manufacturer defect.
  • You didn’t involve a professional roofer and have necessary documentation.
  • The damage isn’t covered by your policy limits.

Sometimes a claim can also be denied if your insurance adjuster is inexperienced, which is a good reason for a re-inspection. Moreover, some insurance companies will deny your claim and require a re-inspection based on the information at hand.

What You Can Do if Your Claim Is Denied

If you feel that your insurance claim was unjustly denied, you can request a second inspection (or a re-inspection) with a different adjuster. During this inspection with the insurance adjuster, have your roofing contractor on-site along with the adjuster.

Contact your roofing company and request that they meet with the insurance adjuster for the inspection to ensure that all damage for your scope of work is discussed. Doing so may help surface damage or issues that were missed in the first inspection.

You can also file an appeal for a denied insurance claim. If, after a re-inspection, your insurance claim is again denied and there is documented hail or storm damage, consider hiring a public adjuster. Public adjusters are specifically trained to handle homeowners’ insurance claims. They have a deep understanding of the insurance industry and the claims process. Bear in mind that no roofing company can tell you they are a public adjuster. It is illegal for a roofing company to act on your behalf in this capacity.

Note that if you choose to appeal a denied insurance claim, make sure you do it as soon as possible. The longer you wait, the less chance you have of getting the decision overturned.

We’re Here to Help

Hiring a professional roofing contractor to assess the damage before contacting the insurance company is one of the best things you can do. A roofing contractor can determine the scope and cause of damage and provide documentation to your insurance company. We’ll also provide you with an estimate.

For more information about the roof damage insurance claims process, or to schedule a free roof inspection, contact J&K Roofing today at 303-425-7531 or by clicking here.

Share this Post

Request A Free Inspection

Does My Roof Have Storm Damage?

Our Blog

Does My Roof Have Storm Damage?

Does My Roof Have Storm Damage?

Storm season is here, and that means you should be prepared for whatever Mother Nature has in store for your area, including powerful winds, hail, and water damage.

But sometimes, preparation and weatherproofing aren’t enough, and you have to deal with whatever storm damage occurs to your roof and home. To help, here’s a quick roofing inspection checklist for storm damage that can help you understand if what you’re seeing is storm damage or normal wear and tear.

Roofing Inspection Checklist for Storm Damage

Without pulling out a ladder and getting on your roof (for safety reasons), here’s what you can look for to know if you’ve sustained storm damage.

●      Visually inspect your roof.

Take a walk around your home and look for any damage to your roof like missing or cracked shingles. You may also notice black hit marks or dark spots on your shingles that are caused by hail. Be sure to take some pictures to document what you’re seeing.

●      Check your gutters, downspouts, and vents.

Look for dents and signs of hail damage. Check your downspouts and gutters for shingle granules, which indicate roofing damage. Detached or dented gutters and vents are also a sign that you have roof damage.

●      Inspect your windows, skylights and siding.

Look for obvious signs of damage to your windows and siding like cracks, torn screens, broken glass, and loose weather stripping. Check any skylights for leaks. Siding may show indents, holes, chipped paint, loose boards and warping or buckling.

●      Look for other signs of damage.

Fallen tree limbs, missing or damaged fence posts and patio furniture, etc. Also check any damage to fencing you have around your home. Look for dings or dents in any outdoor appliances, like air conditioning units or your grill. Check the inside of your home and attic for signs of leaks.

●      Check flat surfaces.

If your deck has signs of hail, it’s likely that your roof does, too. Check your patio and furniture for signs of storm damage.

●      Check your attic and ceiling.

Inside your home, take a look at your ceiling and note any damage that could be caused by leaking water. Be sure to look at your light fixtures, and note any condensation in your attic that may have been created by the storm or by poor ventilation.

●      Schedule a professional inspection.

The sooner the better, have a professional roofing contractor come out to your house for a thorough inspection. They’ll look over the items in this list and more, and they’ll provide you with the best instruction on what to do next — making your life easier if you need to file an insurance claim.

We Know Storm Damage

Be careful of roofing scams and storm chasers who take advantage of uninformed homeowners. Instead, schedule a professional inspection with an established, professional roofing company.

J&K Roofing is your best local roofing company for commercial and residential projects in the Denver Metro, Front Range, Colorado Springs, or Northern Colorado areas. Our team is experienced, knowledgeable, and ready to tackle any job. We also offer financing options. Give us a call at 303-425-7531, or click here to schedule your free inspection.

Share this Post

Request A Free Inspection

Colorado Storm Season: The Science of Wind and How to Prepare Your Roof

Our Blog

Colorado Storm Season: The Science of Wind and How to Prepare Your Roof

Colorado Storm Season: The Science of Wind and How to Prepare Your Roof

When people think of Colorado, they most likely think of beautiful snow-capped mountains, summer hiking and camping, and abundant sunshine. They may not be aware that Colorado also has periods of intense storms, including hail and highly dangerous wind storms that pass through regularly.

If you think it’s been unusually windy across the Front Range, you’re right! This past April, there were multiple recordings of 100+ mph winds around Frisco and Fraser. The strongest wind gust on record in Colorado is 201 mph atop Longs Peak! A Colorado wind storm can be just as strong and damaging as a Colorado hail storm.

What causes such strong winds in Colorado? And how can you prepare for a Colorado wind storm? Having a basic understanding of both can help you keep your family and property safe from harm and potential damage.

When Do Wind Storms Occur in Colorado?

There isn’t a single, clear cause for the increased winds this spring, as wind is one of the more challenging weather elements to model and forecast. Typically, average wind speeds November through April are 8.3 mph. The calmest month of the year for wind is August, with an average wind speed of about seven mph. That doesn’t mean wind doesn’t cause problems throughout the rest of the year. We’ve had multiple storms across Colorado that have ranged 60-100 mph. Wind often comes with heavy thunderstorms and can add to property damage resulting from a storm.

What Causes High Winds and Wind Storms?

Wind is a common and natural aspect of living in Colorado. Strong, cold winds tend to be most common during winter months and early spring, and two primary factors cause them.

The first is a difference in pressure between strong low-pressure and cold high-pressure systems. When these two systems meet or when one experiences a significant shift in temperature, the cooler air will begin to move and cycle the cool and warm air in that area, creating strong gusts. The sun also plays a part as it shines on various peaks and valleys, creating these substantial temperature differences.

The second factor is Chinook winds, which often bring extreme increases in temperatures as they move from west to east across the mountains. As they pass over the Rocky Mountains, they can often bring warm, dry air and create strong gusts due to the different temperatures.

How You Can Prepare for Wind Storms in Colorado

You don’t have to be outside in the wind to know that strong gusts are coming. It’s not uncommon for the National Weather Service in Boulder to issue a wind advisory in Colorado. A Colorado high wind warning is usually announced for two reasons:

  • Sustained winds of 50 mph or greater, or gusts of at least 75 mph in the mountains
  • Sustained winds of 40 mph or more or gusts of at least 58 mph at lower elevations

Just as you would prepare for hail storms, you can prepare for wind storms, too:

  1. Pay attention to the weather.
  2. Survey your property for potential damage that could occur as a result of wind.
  3. Secure outdoor furniture and possessions. Bring lightweight objects indoors or tie them down.
  4. Take shelter inside. Bring your pets inside to keep them safe.
  5. Don’t approach any downed power lines.
  6. Be ready for a possible power outage.

One of the best ways to prepare your home for strong winds is to know that your roof and home’s exterior are ready for whatever Mother Nature has in store. Have at least two yearly roof inspections, in the fall and spring, and also after any major storm. 

What to Do When a Wind Storm Takes Place

Since Colorado weather can change at the drop of a hat, you may not always be 100% prepared for a strong wind storm. Knowing what to do if you’re caught in one can save you from incurring significant property damage, and it can also save your life.

Take shelter, and avoid any dangerous areas where flying debris may cause damage, like windows and glass doors. You may need shelter in a basement or cellar for extra protection. Don’t stay in a mobile home or camper that could be blown over or lifted by strong gusts.

Similar to a snow or hail storm, if you’re caught driving when a wind storm, make sure to slow down and take your time. Your visibility may be impacted by the high winds and the dust that gets stirred up.

Most importantly, stay calm. Wind storms in Colorado don’t tend to last too long, but they can be scary and incredibly dangerous.

Wind Can Cause Damage to Your Home or Building

Homeowners are often surprised to hear that wind can cause damage to their homes. High winds can cause hazards to your property and surrounding areas including issues like fallen tree branches, uprooted trees and downed power lines.

While these dangers are what we picture after a big storm, the wind itself can also result in structural damage to your home. When high winds hit a roof, shingles can loosen or fall off. If wind speeds are very high, even new, secure shingles can tear away. Roofs are susceptible to wind damage because wind does not hit roofs uniformly. Winds tend to catch edges and areas on the roof that may already be loose.

How to Identify Wind Damage

Signs of wind damage to your roof include: loose or missing shingles, curling or peeling shingles, chimney issues, damage to soffit or fascia, and leaks. If you have a flat roof you may notice cracks or tears in the rubber. You may also notice granule loss from your shingle roof in your gutters or around your downspouts.

We Can Help

If you’ve recently experienced high winds in your area, we recommend scheduling a roof inspection. It’s free, and can identify any issues that may need repair.

J&K Roofing is an experienced team that deals with storm damage, including roofing and exterior issues caused by hail, wind, rain, snow, electrical lines, trees and debris. We provide service to the Denver Metro, Front Range, Colorado Springs, and Fort Collins areas. Let’s talk about how to keep your home safe and secure throughout all of Colorado’s changing weather! Get in touch with us today by clicking here or calling 303-425-7531.

Share this Post

Request A Free Inspection

5 Common Homeowner Mistakes after a Hail Storm

Our Blog

5 Common Homeowner Mistakes after a Hail Storm

5 Common Homeowner Mistakes after a Hail Storm (Hail On Roof)

After a Colorado hail storm, it’s easy to feel overwhelmed by all that needs to be done to get your home and property back in shape. Strong winds and hail may have knocked tree limbs down, relocated your patio furniture, and damaged your roof.

Many homeowners will do the bare minimum and forget to properly assess if there has been any damage to their property. Don’t let a busy schedule interfere with maintaining your roof, and don’t fall for these common homeowner mistakes after a hail storm!

1.   Failing to do proper research

If you feel like you haven’t done enough research before you’re ready to hire a roofing contractor, you’re probably right. Go with your gut and ask questions, especially about the roofing business’ experience, licensing, and history.

Make sure you get an estimate in writing or digitally before selecting your contractor. Avoid accepting an estimate over the phone, especially if it’s a low estimate that seems too good to be true! A low estimate can lead to higher costs down the road and may not include the full scope of your project.

Hire a contractor that is reputable, professional, and honest. Make sure you look at the contractor’s website and read their reviews. Ask your neighbors and friends for their referrals.

You also should familiarize yourself with what you need to do following a significant storm, including knowing what to look for and how to get started with a homeowner’s insurance claim.

  • Look for well-established, licensed, insured, and bonded roofing professionals with a federal tax identification number and a permanent address.
  • Ask for a contractor’s license number and confirm with your city or county building department that they issued the license number and that it is current.
  • Check to make sure the contractor is registered to conduct business in Colorado.

2.   Hiring a storm chaser

Storm chasers are roofing companies that follow storm paths to get business. In Colorado, storm chasers come in from surrounding states after a storm hits and quickly leave when their work is done and payment is collected. 

If someone knocks on your door following a significant storm and suggests you have damage without performing a proper inspection, proceed with caution. These companies are usually unfamiliar with the type of damage typical for Colorado, and they’ll do the bare minimum before taking your money and running. This means that if there are any problems with the work they completed, you’re not very likely to get them back for corrections.

Hire a local roofing company to complete your project. A local professional roofer will have good manufacturer and supplier connections. You will be able to call them with questions or any issues.

  • Contact the Better Business Bureau (http://www.bbb.org/denver) to check for complaints against any company you consider hiring.
  • Don’t be pushed into signing a contract right away. Never sign a contract with blanks or statements like “see insurance estimate, etc.” as fraudulent contractors may enter unacceptable terms later.

3.   Not verifying the damage

You don’t need to climb a ladder with your inspector to understand what kind of damage your roof has sustained after a hail storm. Instead, you can ask them for evidence of the damage, which is what the inspection is for. If they can’t point it out to you from the ground, they should be able to provide photos and walk you through the severity of the damage.

Don’t take their word for it—some roofing companies will exaggerate the damage. A reputable company can show and explain any damage and provide you with options based on your situation.

4.   Paying upfront or with cash

Never pay for a roofing project upfront. If you are dealing with an insurance claim, your insurance company will pay for the work in installments, with some payment provided at the beginning of the project that you would provide to your contractor. Your insurance will release the second portion when the roof is complete and your insurance company has received an invoice from your contractor. If a roofing company asks for full payment upfront, tell them no.

A professional roofing company will have several options for payment, including by credit card, check, or through roof financing. Payment is typically due in full upon substantial completion of the roof. You will receive documentation about your new roof, including what materials you have purchased, warranty information, and your estimate, invoice, and receipt of your payment. 

5.   Doing nothing

The worst thing you can do after a hail storm is sit back and do nothing. This can create a snowball effect as one problem compounds another. Perhaps most importantly, you’re working on a timeline to file a homeowner’s insurance claim after a hail storm, so take action sooner than later.

No matter what, get a roof inspection.

We’re ready for your project!

J&K Roofing has the experience and skills required for any type of roofing repair or replacement following a Colorado hail storm. We’ve been in business for nearly 40 years, and we operate throughout the Denver Metro, Front Range, Colorado Springs, Fort Collins, and Northern Colorado areas.

Get in touch with us today for a free inspection and if you have any questions!

Share this Post

Request A Free Inspection

6 Reasons You Should Get a Roof Inspection After a Hail Storm

Our Blog

6 Reasons You Should Get a Roof Inspection After a Hail Storm

6 Reasons You Should Get a Roof Inspection After a Hail Storm

Storm season is quickly approaching in Colorado, which means hail is on the way. It doesn’t matter how new or well-maintained your roof is—the weather patterns we experience throughout Denver and along the Front Range are unpredictable and wild enough to cause all kinds of damage.

So what can residents do to prepare and care for their property during storm season?

Having a professional inspect your roof for storm damage at least twice a year (spring and fall) is a good best practice, but it’s also a good idea to have an inspection performed after any hail storm.

Here are six reasons why you should get an inspection after a hail storm.

1.   You can’t always see the damage on your roof

It’s never a good idea to get on top of your roof—it’s a very dangerous place to be!

However, a professional roofing contractor knows how to navigate your roof safely, and they may even use a drone to spot hail damage from above.

With that said, you can get at least some sense of whether your roof has sustained damage by walking around your property and looking for other damage. Pay particular attention to your gutters, downspouts and vents—if you see any dents in the material or chips in the paint, you might have roof hail damage. Similarly, if you notice granules from your asphalt shingles in your downspouts or on the ground, your shingles may be damaged.

2.   Most people don’t know what to look for

No matter how long you’ve had your home, you may not be able to recognize the damage caused by any Colorado storm. Missing or damaged shingles can be easy to spot from an upstairs window, but you won’t be able to identify any additional damage without the proper education and experience.

A professional roofing inspection will assess your roof for damage you cannot or don’t know how to spot. An inspector will look for hidden leaks, structural issues, and other signs of material damage resulting from storms and general aging. Click here for a better idea of what to expect from a roofing inspection.

3.   Roofing materials wear down over time

Multiple storms throughout the year can wear your roof materials down. You don’t want to get caught between storms without knowing your roof can handle what’s ahead. Asphalt shingles typically only last around 20 years, and a big part of what drives the need to replace them is aging or wear and tear following storms.

In addition, a minor roof repair is far more affordable—and faster—to fix than an extensive roof replacement project down the road. An inspection after a hail storm will help keep your total roofing costs down and prevent more costly issues down the road.

4.   Damage to your roof can extend to other parts of your home

Your roof is your home’s first line of defense against the elements. It keeps you safe and warm during those spring and summer storms that pop up without warning.

If your roof sustains hail damage, you’re not just putting your roof at risk—you’re putting your entire home at risk. That includes the structure of your home, your electrical and ventilation systems, and the property surrounding your home. A roof inspection can catch existing issues before they become serious problems, saving you money and extending the life of your roof and home.

5.   You have a limited window to file an insurance claim

It’s always a good idea to schedule a roof inspection after a storm to prevent additional damage from occurring. However, it’s also essential if you want your homeowner’s insurance to cover the cost of roof repair or replacement.

You typically have one year following the date of damage to file a homeowner’s insurance claim. You must take photos and note where and when the damage occurred if you have any hope of insurance paying for repairs.

A routine inspection following a storm will help you identify and document any such damage, and it’s best to have it taken care of sooner than later. Here’s more information on how to file a homeowner’s insurance claim to have your roof repaired or replaced.

6.   You’ll rest easier knowing your roof is in good shape

There’s nothing worse than lying awake at night during a storm and thinking about what kind of damage your home might incur due to howling winds and heavy rains or hail. Having your roof regularly inspected—including after a hail storm—will give you peace of mind that your home is secure and your family is safe.

Don’t delay an inspection if you suspect there may be damage; bring in a professional and let them offer recommendations on what needs attention.

We’re Here for You

J&K Roofing offers free inspections and will come out to your home or property to assess the status of your roof. Our experienced roofing team knows what to look for and will help you navigate the often confusing process of having a roof repaired or replaced.

Give us a call (303-425-7531) or click here to get in touch for your free inspection today!

Share this Post

Request A Free Inspection

Request a Free Inspection

Choose a roofer that is going to be around and will stand behind the work they do.

[gravityform id="1" ajax="true"]

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.