Insurance, roof repair, and roof replacement

Insurance, Roof Repair, and Roof Replacement

When It’s Time to Call Your Insurance Agency

If you own a home for very long, it’s likely you’ll have to deal with the need for roof repair or roof replacement. That in turn almost certainly means you’ll need to deal with your homeowners insurance company. This is a guide to making that process go in as smooth and satisfactory manner as possible.

Insurance, roof repair, and roof replacement

When Using Your Home Insurance, Attitude Is Important

When you’re dealing with the stress of needing roof repair or a new roof, there’s a good chance you’re not in the best of moods. It’s also possible that you’ve had an unfortunate experience with an insurance agency in the past or you’ve heard horror stories about such experiences, and that inclines you to go in with a pugnacious attitude.

You want to keep that impulse in check, however. If you’ve ever worked customer service, you know how you reacted to pleasant, reasonable customers and how you felt about obnoxious ones. The representatives at insurance companies are no different. You hope you’ll end up talking to someone motivated to provide excellent service to everycustomer, but we’re all human, and the proper approach can go a long way toward eliciting a representative’s very best efforts on your behalf.

With that in mind, be patient. Remember that the representative may have many claims to deal with, each as worthy of efficient service as your own. This is especially true if you’re calling in the wake of a natural disaster like a hurricane.

Also, be organized. Whenever interfacing with insurance companies or roofers, have all your important information available. Make sure you have essential phone numbers and email addresses like those of your homeowner’s insurance agency, adjuster, and roofer. When meeting with the adjuster, for best results, you want immediate access to your policy and policy number, your roofer’s detailed estimate of the nature and cost of the work, and photographs of the damage.

Finally, honesty is important. Only file a legitimate claim for damage actually caused by the storm or other incident in question. Believe it or not, this will help you keep you out of the clutches of shady itinerant roofers who do substandard work. You should protect yourself by only dealing with a licensed, legitimate local roofer with a local physical address. Your home insurance agency has probably dealt with that roofing company before, which will facilitate them working together.

Having said all that, let’s look at what you should actuallydo when you need a roof repair or roof replacement.

Using Your Home Insurance for Roof Repair or Roof Replacement: The Process Step by Step.

First, call your insurer as soon as you can.

Second, contact a trustworthy local roofer as soon as you’ve spoken with your insurance representative. Such a company is likely adept at communicating and otherwise dealing with insurance companies and that expertise can save you many headaches. The roofing company will be well acquainted with the claims process, the timeline, and what the insurer expects.

It’s possible the roofing company won’t be able to start a roof repair or roof replacement immediately, but a roofing crew can at least tarp the damage to keep it from getting worse and to protect the interior of the home. That’s important not just for the obvious reason (safeguarding your property) but because the terms of your insurance likely impose an obligation to prevent further damage as best you can. When an adjuster arrives, he or she will note the tarping and be more inclined to recognize the validity of your claim.

Finally, be as helpful as possible to the adjuster when he or she shows up. As noted above, this is largely a matter of being ready to furnish all the necessary information.

Two More Tips for Dealing with Insurance, Roof Repair, and Roof Replacement

You need to understand your home insurance policy to avoid nasty surprises.

To that end, know what’s covered and what isn’t. Will the policy cover a full roof replacement? What if water has gotten into the house to damage the rafters or other parts of the house? Do you need to file a separate claim for that? If reading your policy doesn’t clear everything up, don’t be afraid to ask your insurance agent to explain it to you.

By the same token, know your deductible. Partly because insurance companies don’t want to deal with a constant influx of small claims, the policy sets an amount for a repair that the policyholder must pay for himself before the coverage kicks in. You should understand what that amount is.

Some deductibles are pretty high, high enough to prove a serious problem when you find out how much roof repair or a whole new roof is going to cost you out of pocket. You can prevent the problem by putting aside some money each month until you build up a savings account equal to the deductible.

Insurance, Roof Repair, and Roof Replacement: A Final Word

As noted above, choosing a reputable local roofing company skilled at dealing with insurance issues is key to avoiding hassles and ensuring that your policy pays out as it should. We at Stay Dry Roofing take pride in being such a company, and we invite you to call us when you need us.

Comparing roof estimates

Comparing Roof Estimates

You Have Your Roof Estimates. Now What?

If you stay in a house for a number of years, you’re likely to face necessity of roof repair or roof replacement. When that happens, prudent, thrifty homeowners are likely to obtain roofing quotes from multiple companies unless there’s a roofing company they used previously and they were happy with the results.

Comparing roof estimates

Once a homeowner has those new roof estimates in hand, it’s time to compare them and choose the best. If you choose purely on the basis of the price on the bottom line, however, you may not be taking into consideration all the criteria you should. For example, you want to understand what materials the roofers will use and exactly how they’ll go about the job.

Here, then, is a guide to understanding and comparing roof repair estimates and roof replacement estimates.

Roof Estimates: The Five Components of a Roofing System

To understand roof estimates clearly and completely, it helps to know there are five separate components to a roof system. Here’s what they are:

  • Plywood, otherwise known as the deck.
  • Underlayment. The underlayment is actually made up of two components of its own. These are the ice and water shield and the shingle underlayment.
  • Flashings. There are three kinds, step flashing, chimney flashing, and pipe and other penetration flashings.
  • Ventilation.
  • Shingles.

Knowing the five components, a homeowner is able to assess what the roof estimate says about materials.

Roof Estimates: Materials

A trustworthy roof estimate lays out what materials will be used for each component of the roofing system. It specifies the type and brand.

By the same token, the roof repair estimate should list the specific quantities of all the materials that will be used. This is necessary to make sure everyone is using the same measurements and that you don’t end up being charged for excess quantifies of material the job didn’t actually require.

Roof Estimates: The Warranties

The warranties for all materials and work should be specified precisely. Understand that materials warranties and workmanship warranties are separate, one the responsibility of the materials manufacturer and the other the responsibility of the installer. You should also be aware that improper installation can void the warranties on materials.

Roof Estimates: Credentials

As noted above, improper installation voids materials warranties. To safeguard against this, make sure a roofing company is certified to work with the materials it’s proposing o install. The company should be able to produce the appropriate certifications, which are earned and/or renewed when workers complete annual training sessions.

Roof Estimates: Who Will Really Be Up There on the Roof?

It’s possible for a roofing company to subcontract a job to a roofing crew that doesn’t actually work for it, but that’s not the situation you want. You want those certified, trained, licensed installers who are actually on the company payroll. That helps to ensure the work will be done as it should be done.

Roof Estimates: Insurance

Insurance is an additional reason to insist on those certified, trained, licensed installers. It may well be that the subcontracted crew is underinsured or uninsured altogether. That means that if there’s an accident, the homeowner could be found liable. Always make sure all necessary insurance will be in effect before you sign a contract with a roofing company.

Roof Estimates: How Will the Roofers Look After Your Property?

During the course of a roof repair job, accidents can happen to property as well as people. It’s also possible for roofers to “finish” their work and leave behind dirt or debris. The roof estimate should lay out how the roofing crew will protect your home and clean up when the roof repair or roof replacement job is done.

Roof Estimates: How Was It Arrived At?

It’s a good idea to understand exactly how the roofing company came up with the roof repair or roof replacement estimate. Today roofers have considerable technology at their disposal to improve the accuracy of a roofing cost estimate. When you see that such technology was in use, it can increase your confidence that the roofing quote is accurate and contains appropriate and accurate details.

Roof Estimates: Caveats

Any of the following is an indication that you hire the roofing company that provided that particular roof estimate at your peril.

  • Vague roof estimates. We already alluded to this above, but it’s worth mentioning again. The roof estimate should be specific on every point, materials, workmen, certifications, insurance, warranties, etc.
  • Verbal roof estimates. The roof repair estimate should always be in writing.
  • Handwritten roof estimates.Although arguably not as problematic as verbal estimates, a handwritten roof estimate can suggest a lower level of professionalism and less access to technology as opposed to a printed one.
  • Roof estimates without inspections.A reputable roofer can’t possible give you an accurate estimate without conducting a thorough inspection.
  • Roof estimates with rock bottom prices.Naturally, you’re looking for a good price. But a price radically lower than that in any of the other quotes and that seems too good to be true probably is too good to be true. You may well be dealing with a roofing company that intends to cut corners somewhere.

Roof Estimates: A Final Word

At Stay Dry Roofing, we take pride in the fact that our roof estimates conform to the highest standard, as does our work itself. If you’re collecting roofing quotes, we invite you to give us a call.

Roof leaks in Indianapolis

What to Do When Your Roof Leaks

When the Roof Leaks, Don’t Panic

When you notice the roof of your Indianapolis home leaks, it at the very least will seem like a significant inconvenience. If a lot of water is coming in, it can seem like a catastrophe. The water can damage the items inside the house and the floors. It can collapse a ceiling. Dampness can even promote the growth of toxic mold.

But don’t lose your head. There’s plenty you can do to keep roof leaks from becoming unmitigated disasters, especially when you catch them early. When you’re watching out for them, be aware that the first sign might not be water on the floor. It could just be a discolored spot on the ceiling that reveals the presence of water above the ceiling.

Roof leaks in Indianapolis

When you’re vigilant enough to detect roof leaks early, follow these steps in order.

When the Roof Leaks, Catch the Dripping Water

If water is coming through a ceiling leak, put a bucket under it. Scraps of wood inside the pail will quiet the irritating drip-drip-drip sound. If your problem is more severe, and you’ve got more than drips to deal with, get as many of your possessions as possible safely away from the water and cover the things that are too heavy to move with sturdy plastic sheeting.

When the Roof Leaks, Drain the Water

Climb up a ladder or onto a sturdy, stable chair and poke a hole in the wet part of the ceiling with a screwdriver or similar implement. You may feel reluctant to inflict any sort of damage on your own ceiling, but the fact of the matter is, failure to take this action can make things a lot worse. More moisture could seep in, or the weight of accumulating water could even make the entire ceiling fall down. At which point you’ll have to confront the fact that replacing all of it is far more expensive than just patching a little hole would have been.

When the Roof Leaks, Get Busy Investigating

See if you can figure out where the water is coming from, and be aware that water flows down flashing or trusses until it finds a weak point. That means the actual breach in the roof could be far away from the spot where the water is falling in to the living area of your home.

If you can get into your attic space, you’ll find it easier to search for roof leaks during daylight hours. Then turn off the lights. If you see a place in the roof where sunlight’s shining in, that’s where the roof leaks, too.

When the Roof Leaks, Use More Water to Find the Problem

If the turning-off-the-attic light technique doesn’t work, have someone else (preferably someone surefooted) get on the roof with a hose and spray the surface one small section at a time. When he or she reaches the right spot, you should have water coming in just as it does when it rains.

When the Roof Leaks, Call the Professionals

Sadly, the hose technique isn’t 100%, either. When all your efforts to find roof leaks yourself prove unavailing, it’s time to consult a professional. The expert can both isolate the problem, explain what must be done to fix it, and schedule repairs when you give your okay.

When the Roof Leaks, Spread a Tarp

Regrettably, even after you’ve found the source of roof leaks, it’s not always possible to fix the problem the same day. Until it is fixed, make sure the roof is dry enough to climb on safely, then spread heavy plastic sheeting or a tarp at least six millimeters thick over the compromised section of roof.

Spread your covering of choice at least four feet from the edge of the problem, continue past the ridge of the roof, and go at least four feet down the other side. That ensures you really have covered the roof leaks adequately. Use 2×4’s to weight the starting and finishing edges of the covering down and hold them in place. Fold the edges of the covering over the boards and use a nail gun to attach them securely. You can weight the other edges as well if wind is a concern.

Proceed carefully. You don’t want to tumble off and hurt yourself or to make new leaks by nailing or screwing the 2×4’s onto the roof.

Roof Leaks: A Final Word

Roof leaks require prompt attention to keep them causing significant damage to your Indianapolis home and the items inside. So address them promptly, and if you need assistance, we invite you to call Stay Dry Roofing. We’re here to help you.

What You Should Know About Ice Dams

As much as people like the colder weather up North and no matter how much fun the snow can be to play in and look at during the winter time, it can cause a wide range of issues for your home, especially the roofing system. When the snow on your house begins to melt, it flows off like rain. However, if the temperatures drop again after the snow starts melting, you face a new problem: ice dams. The formation of ice dams on your roof can cause major damage to the roof and other parts of your home and can lead to extensive and costly repairs in the winter as well as in the spring when the snow and ice all begins to melt. Here at Stay Dry Roofing we have experience with winter roof care and maintenance and can assist you so you know everything you need to know about ice dams this winter.

What Exactly Are Ice Dams?

“There is a complex interaction among the amount of heat loss from a house, snow cover and outside temperatures that leads to ice dam formation. For ice dams to form there must be snow on the roof, and, at the same time, higher portions of the roof’s outside surface must be above 32 degrees F while lower surfaces are below 32. For a portion of the roof to be below 32, outside temperatures must also be below 32. When we say temperatures above or below 32, we are talking about average temperature over sustained periods of time. The snow on a roof surface that is above 32 will melt. As water flows down the roof it reaches the portion of the roof that is below 32 and freezes. Voila! – an ice dam” (University of Minnesota Extension).

ice on the roof

The dams form and can quickly grow because it is being steadily fed by the melting snow above it. However, the ice will only form in areas of the roof where the roofing material reaches 32 degrees or colder. When the water hit this area, it will refreeze and form the ice dam and stop the water from flowing any farther off the roof’s edge.  So, the water above the dam backs up and stays in a melted liquid state because it is in contact with roofing material that is above freezing. This water finds cracks and openings in the exterior roof covering and flows into the attic space. From the attic, it could flow into exterior walls or through the ceiling insulation and stain the ceiling finish.

This is why it is important to be mindful of ice dams this winter and why you need to be mindful of how well your roofing system is insulated and if any known damage is present before the snow and ice begin to accumulate.

Do Ice Dams Cause Damage to Homes?

Ice dams are a common cause for roof leaks, and if your roof is leaking you could end up with expensive interior damages. Leaks can lead to wet and infective insulation which only worsen the heat and air exchange between your home and the outside air. Water that gets into your home can ruin ceiling and walls and even reach to your floor where it can rot floorboard and ruin carpeting. All of this wet material can cause mold and mildew to form which can not only worsen the decay and staining but it can put you and your family at risk for health issues.  Individuals who have allergies or who are sensitive to things like old can become very sick and even be hospitalized because of the mold. Other conditions can be made worse and many people experience sinus infections, chronic coughs, and other problems because of the mold caused by a leaky roofing system.  Ice dams can make existing damage worse and can cause even more damage which is why you must be mindful of them and be vigilant during the winter and understand how these ice dams form and lead to damage.

snow on the roof

“Heat from the house travels to the roof surface in three ways: conduction, convection, and radiation. Conduction is heat energy traveling through a solid. A good example of this is the heating of a cast iron frying pan. The heat moves from the bottom of the pan to the handle by conduction. If you put your hand above the frying pan, heat will reach it by the other two methods. The air right above the frying pan is heated and rises. The rising air carries heat/energy to your hand. This is heat transfer by convection…In a house, heat moves through the ceiling and insulation by conduction through the slanted portion of the ceiling. In many homes, there is little space in regions like this for insulation, so it is important to use insulations with high R-value per inch to reduce heat loss by conduction” (University of Minnesota Extension). R-value is how well the material will insulate so three inches of insulation with a 25 R-value is better than three inches of insulation with a 15 R-value. A local roofing expert, like our team here at Stay Dry Roofing, can assist you with finding the best insulation for your attic and roof so you can prepare for the coming snow and ice and so you can work to prevent ice dams this winter.

Can Ice Dams be Prevented?

The best strategy for preventing ice dams is to keep your roof cold. First, make sure you have the right kind of insulation installed, using R-38 at the very least. Next, it is important to inspect your roofing system inside and out at least once a year but two or more times a year is ideal. This will ensure you are noting any and all changes and can detect problems and damages when they are minor. Dealing with them before they have the chance to get out of hand is critical! You also should do routine checks of your roof to look for leaks where air can move between your home and the outside. These are known as energy leaks and are a prime place for roof damage to occur, especially if you do get ice dams forming. Your best bet is to work with a roofing professional to come in and test your home for energy leaks, particularly up to the roof, after which they can recommend the best course of action.

If your home is due for some remodeling or repairs involving the roof or siding, take the opportunity to find and seal air leaks and upgrade your insulation.  You may also want to consider a new roof or a major upgrade to ensure your roofing system is ready for the winter cold ahead. Preventing ice dams from forming will save you money overall, by increasing the lifespan of your roof, keeping your roof in good condition, maintaining the integrity of your home’s structure, and keeping insulation in peak working condition. For a professional inspection or for emergency help in the event of an ice dam, contact Stay Dry Roofing today and let us help you with the best local expert roofing care available. Call now to get started and protect your home from ice dams this winter!

residential roof care professionals

Less Obvious Signs of Storm Damage You Need to Watch For

“Government codes and regulations are designed to ensure maximum safety of a building’s future inhabitants as well as the construction crews that work on them. State and local governments abide by the standards set forth by the International Code Council (ICC) and National Fire Protection Association” (Government Requirements). We all know the importance of the roof and we all know, even if we are not consciously aware of it, that the safety and security of our family, possessions, and our home itself depends on the strength and reliability of the roof. This is why it is so important to take care of your roofing system, especially following any sort of storm or high wind event.  You must check for both the obvious as well as the less obvious signs of storm damage.

After a storm or high winds, such as we see often here in Indianapolis, most homeowners know to look for signs of damage. As soon as the storm passes, they head outside and do a quick check of their property and see if their roof and everything else is still in one piece. However, many homeowners today are not well versed in roof care and specifics so what do you look for exactly when inspecting your roof after a storm? Branches on the roof, broken gutters, holes in the roof, torn or missing shingles, damaged flashing, standing water, and the like are the most common things homeowners look for. Those are all good things to check for since you want to address any damage as soon as possible!

storm damage to roof

Hidden Signs of Roof Damage – It’s Not Always Obvious!

Unfortunately, there is a lot of damage that can occur to the roofing system that is not so obvious to the untrained eye, especially when looked at from the ground.  Less obvious signs of storm damage can easily go unnoticed by the homeowner initially. This leads to an issue where problems grow and become major problems down the road. Th key is to know and identify hidden signs early so they can be addressed before more of your roofing system is damaged or compromised! That is where our team of experts here at Stay Dry Roofing can come in and make all the difference in the world as we look for the hidden signs of roof damage that not everyone can easily identify.

Loss of Granules

Many homeowners are surprised to learn that the asphalt shingles on their roofs right now are covered in sand-like granules. These essential little components are hard to see and are invisible when viewed from the ground. However, it is this component of the shingle that helps block UV rays, reduced heat buildup, and provides a sort of water shield on the surface of the shingle. If there are a substantial number of granules piled at the end of the drain spout or you see them scattered over your lawn and driveway you may need new shingles. Without the granules, the shingles are exposed and will not do as good a job at protecting your roof from the effects of storms and other environmental impacts. This is one of the less obvious signs of storm damage that we see homeowners overlook the most here at Stay Dry Roofing. So, make sure your roof is in tip-top shape and call us today for a post-storm inspection.

shingles damaged in storm

Shingles Damaged by Hail

Many homeowners think they know what hail damage looks like. They envision a hole or dent in their shingles that will look the same anytime hail damage has occurred. This is a misconception and it costs many homeowners because they miss the early signs of roof damage. The exact look of the damage will be a little different each time based on the type of roof you have, how bad the hail was, and what direction the storm was moving. Our trained roofing experts, however, can easily identify even the smallest telltale warning signs that damage has occurred. We look for things like dents, bruises, cracks, worn area, and broken edges on shingles usually cannot be seen from the ground level. This is why we recommend you don’t trust a simple walk-around of your home- you need a full up-close diagnosis to be sure. These less obvious signs of storm damage can be easily detected by our team of experts.

Lifting Shingles

Shingles which has been torn off and lay scattered around your yard and driveway are rightfully concerning. However, one of the less obvious signs of storm damage is the lifting of the shingles. When shingles get loose they can begin to pull away and break the tight seal they form on the roof. This might not be as obvious right away, especially if you are inspecting from the ground only. Some homeowners wrongfully assume that if they do detect lifting shingles that they just aren’t worth worrying about. The truth is, the shingles have still been damaged and are no longer performing up to their full potential. Just as a seal that is partly cracked will let some water in, so too will the shingles allow rainwater to slowly seep into your home because there is no longer a water-tight seal. The Stay Dry Roofing team can inspect and replace damaged shingles for you so you can rest easy when the next storm rolls through!

gutters and flashing damage

Dented Gutters and Flashing

There are many ways homeowners overlook and disregard some of the less obvious signs of storm damage. And they all come back to haunt them in the end. One such sign of damage that is frequently overlooked is problems with the gutters and flashing.  From the ground, you might spot major issues like broken pieces, lodged branches, and other obvious signs. However, even smaller dents, debris lodges within the drain spouts, and loose fittings and attachments can also pose a major risk to your roofing system. Left unchecked, these less obvious signs of storm damage will only grow and will eventually become major issues. It is always best to do an inspection after a storm that has had a lot of rain or wind with it to ensure your gutters and flashing are still firmly attached and are not damaged. That ounce of prevention after a storm will save you time and money down the road so call us today for a post-storm inspection.

Minor Holes and Leaks

Any damage that your roofing system sustains because of a storm is bad. Small damage is still damage and it can still lead to worsening problems down the road. Minor leaks will grow and cause major damage to your roof and your home’s interior as well. Little issues like cracked shingles and loose gutters will soon grow into bigger issues that can cause serious damage. Any damage detected on your roof needs to be treated like a big deal because even if it’s not a big issue right now, it will soon become one if left unaddressed. If you have seen any signs of damage or you are concerned about your roof, pick up the phone and call your roofing experts today for a professional inspection. You would not ignore the check engine light in your car so don’t ignore the warning signs your roof is trying to send to you. Take care of minor damage and problems now while you still can!

shingle roof in indianapolis indiana

Help With the Less Obvious Signs of Storm Damage

“Roof systems (ranging from roof coverings to structural members) typically fail when winds produce forces greater than the capacity provided by the elements of the roof system. Winds can tear roof coverings from roof decks and can separate roof decks from framing. Roofs can also fail if punctured by windborne debris. In most cases, debris punctures pose less of a problem on residential structures, where a roof ’s slope may limit the amount of rain that can enter a puncture (unless that puncture occurs in a valley or other area of the roof where water is channeled or collected). However, in buildings with flat or low sloped roofs, punctures from windborne debris can lead to extensive interior damage” (FEMA).

If your roof has sustained damage after a storm or you think it might have, call us today here at Stay Dry Roofing. We have decades of experience, working in the local area helping homeowners just like you! When it comes to detecting the less obvious signs of storm damage we know what to look for and we know what to do to get your roofing system back in tip-top shape. Call us today for a consultation and free estimate! Keep yourself, your family, your possessions, and your home safe and secure with a quality roofing system that will hold up against any storm. Don’t put off roof maintenance and repair work. Call in the experts and let s show you why more homeowners in Indianapolis and the surrounding areas trust us for expert help with the less obvious signs of storm damage! Get started now!

preparing for winter roofing needs

Winter Roof Care in Indianapolis

As the cooler weather descends and snow begins to accumulate on the roof, there is a lot that homeowners need to think about. One of the biggest chores in the winter is making sure the roof survives the brutal effects this time of year can have on the home. But what are the signs that you may be facing a potential winter headache with your roof? Here at Stay Dry Roofing, we know the warning signs most often seen this time of year. If you stay on the lookout for these three key warning signs you will be in good shape for winter roof care:

Snow Accumulation

removing snow from the roofGood winter roof care starts before the snows even begin to fall and ends after the snows have fully melted away. When the snow gets too thick on the roof it can cause problems. Snow gets heavy and can quickly pack down into dangerous snow packs that can easily damage the roof and when these snow packs get too heavy they can even be too much strain for the support struts of the roofing system.  Also, heavy sections of this snow accumulation are prone to suddenly giving way and sliding off the roof. This can damage the roof by tearing off shingles and gouging holes into the roof and it can also tear off gutters and falling snow packs can injure people or pets and damage vehicles and other possessions. So snow accumulation has to be kept under control!

Icicles on Gutters and Eves

ice dam damgersIcicles are another warning sign the winter roof care is needed. They may look beautiful in the morning with the sun setting them aglow but if your roof has massive icicle spikes forming along the gutters and eaves then you should take note. This is a major warning sign for the formation of an ice dam, possibly the biggest threat to the roof and your home as well in the winter. These heavy patches of ice will put undue stress on the supports of the roof and can also cause severe water damage when they melt. They also make the roof slippery and unsafe if anyone tried to go up to clear off snow after a massive snowstorm. If you suspect you have ice dams forming you need to call in the Stay Dry Roofing experts and let us help you safely remove the threat!

Water Damage Inside

winter roof careWhen the roof has been compromised in some way and has missing shingles, damaged struts, or compromised lining, the interior of your home can be at great risk for water damage as the winter season ends. As the warmer weather comes, ice and snow will begin to melt and run off your roof. If the water runs over damaged areas of the roof it can seep into your home and cause water leaks. If water finds its ways into your home a lot of damage can be done very quickly because it can affect the supports in the attic, your celling our walls, it can leak down into the floorboards, and leaks in the ceiling often end up dropping onto other possessions such as furniture or electronics. Call our emergency roofing repair team if you discover you have leaks caused by winter snow and ice damage!

Contact Us For Winter Roof Care

The best way to avoid these winter roofing hazards is to have the professional team here at Stay Dry Roofing help you with all aspects of your roof care and maintenance.  If you need repairs, give us a call, we will handle it for you!  Contact us today to get started on your winter roof care plan!

insurance deductibles and roofing

Waiving Insurance Deductibles on Roof Work in Indiana?

After a storm the scam artists come out in full force it seems, offering deals that are too good to be true and discounts that seem like they would never be able to survive on. When it comes to roofing services, remember that in almost all cases, if it sounds too good to be true then it probably is! At Stay Dry Roofing we have seen far too many of our clients contact us after they fell victim to a scam. Many roofing scams offer promises such as:

  • waiving insurance deductibles on roof work
  • reimbursement of the deductible
  • getting the roof work done at no cost to the homeowner
  • offering deductible payment assistance
  • MASKING THE DEDUCTIBLE AS SOMETHING ELSE ( This is still illegal and you could get penalized severely)

It seems like a great deal at first glance, but remember too good is too good! Buyer beware! For answers to the question of “Can roofers pay your insurance deductible?’ read on:

Waiving Insurance Deductibles on Roof Work

One of the ways that some of the less than moral roofing companies get away with paying the deductible is they will charge you the full amount the insurance company has agreed to pay out- whether the project needs it or not. They will charge you the price they quoted and then find extra add-ons that will change the final price you are given that you will then pass on to the insurance company when you file your claim. This leaves the insurer over-billed—and has the potential of landing you with insurance fraud or at the very least a lot of hassle, red tape, questions, and work that will take some time to unravel and take care of!

What To Look For, And What To Avoid

Out-of-town “storm chasers” should always raise suspicious flags. It is important to make sure you check where the roofing contractors are based out of and where they are licensed.This is a much better situation than having someone who is not licensed in your state. If there is ever talk of waiving insurance deductibles then run. Someone who promises to pay things for you or wants to come in without you contacting them first to do roofing work for you is a sign to politely decline.  It’s best to call a local contractor. Anyone who offers to waive insurance deductibles on roof work they want to do for you is someone who usually should not be trusted- nine times out of ten it will end up costing you just as much or even more than if you just did things the normal, legal way. If someone asks can roofers pay your insurance deductible legally the answer is no, though some will argue it is possible and doable if you are willing to take the risk. Here at Stay Dry Roofing we encourage everyone to walk or run away from any roofing contractor who offers to cover your insurance premiums.

Waiving Insurance Deductibles on Roof Work

Here at Stay Dry Roofing, we are committed to providing the very best in quality service to each and every one of our customers. We will never cut corners or try to pad our pockets at your expense. Waiving insurance deductibles on roof work no reputable contractor will ever suggest and neither will we! We have had customers come to us during their first consultation and ask us “can roofers pay your insurance deductible for you?” and we use this as a chance to educate them about the legalities of this matter.  If you would like to know more about this and how to protect yourself, call us and set up your consultation appointment today so we can help take the confusion out of it all for you!

(317) 308-7773

repairing roof damage

Best Indianapolis Roofing Contractors

Looking for the Best in Indianapolis Roofing Contractors?

Your home is perhaps the most important and most expensive single investment you will ever have. Protecting this investment falls squarely on one single aspect: the roof. A roof symbolizes the essence of shelter, protection and security. Your roof protects against the elements, keeps you warm in winter and cooler in the summer heat. It shelters your place to live and raise a family, and it protects everything we own that we keep inside. That means finding the best in Indianapolis roofing contractors is an essential element in protecting your investment. If you are looking for qualified Indianapolis roofing contractors, then Stay Dry Roofing, serving the greater Indy area, is here to help keep your roof in tip top shape.

repairing roof damage

It is so critical to keep your home’s roof in the best condition possible and to go about repairing roof damage as soon as possible. We at Stay Dry Roofing are proud of our reputation as Indianapolis roofing contractors, and take every element involved in roofing seriously: from gutter installation to repairing roof damage to new and full roof replacement.

In order to provide you, our valuable customer, with the best service possible of any area Indianapolis roofing contractors, we only use the very best in materials and products in all the work we perform. We will never cut corners for the sake of making an extra buck, and we never want to disappoint you! In your time of need, whether it’s for emergency roofing work, routine maintenance, or some minor repairs done, we are here for you. When you search for Indianapolis roofing contractors near you, we hope you contact Stay Dry Roofing at (317) 308-7773!

How We Maintain Our Rep as Premiere Indianapolis Roofing Contractors

Have you noticed leaks in your roofing system? Do you have storm damage that needs to be taken care of? Is it time to get your shingles replaced? If so, then it’s time to call Stay Dry Roofing and see why we are leaders among Indianapolis roofing contractors. We can help you with all of your needs when it comes to repairing roof damage and routine maintenance.

We can assess your roof’s damage and work to make everything right for you. When issues are caught and corrected sooner rather than later, costly damage that may occur can be avoided and the integrity of the roofing system can be preserved. Our repair team is made up of highly trained professionals who have years of experience in almost all types of roof systems.

Our ongoing goal is to maintain our record as premiere Indianapolis roofing contractors, and a big part of that means repairing roof damage to your home as quickly and efficiently as possible. Call us today and we can set up a consultation appointment and get you started on the path to enjoying a better roof for years to come!

Roof Replacement Services

Has the time come for your roof to be replaced due to age or the accumulation of years of wear and tear? If your roof shingles have gotten faded and damaged, if the roof is stained or discolored, or the curb appeal of your home is suffering due to the condition of the roof, then the time has come to consider getting a new one installed. And you’ll want the best Indianapolis roofing contractors our area has to offer.

Replacing your roof may be a big, upfront investment, but it’s also one of the best long term decisions you can make in improving the value and appeal of your home. It will increase the resell value of your home, reduce the cost of future roof work, and continue to ensure your home has good curb appeal value. As premiere Indianapolis roofing contractors, we at Stay Dry have experienced professional installers who can get your new roof installed quickly and professionally!

Call (317) 308-7773 for a free inspection and estimate, and see why we are the leaders and offer the best that any Indianapolis roofing contractors have to bring to the table. We take the guesswork out of repairing roof damage and installing new roofing systems and we do it better than anyone else!

New Roof Installation

Are you building a new home or adding to your current home’s layout? If so, we can help with your new roof installation. We can assist with every step of the process from the beginning supports all the way to the finished tiles and finalizing touches. Every step of the way you can rest assured that you have the best Indianapolis roofing contractors in the area working on your home to protect it and maintain its structural integrity and appeal.

New construction and room additions are tricky at times. There are a lot of guidelines, regulations, and red tape that have to be taken care of with any new construction project. You do not want to tackle it on your own! Call today and let us help with your next roofing project and handle all of the difficult work, planning, record keeping, and details that have to be tended to. We want to be your first and last call in choosing among Indianapolis roofing contractors. Let us do what we do best, so you can focus on what you do best. Enjoy your home and everything that lies under your brand new roof!

Experienced Indianapolis Roofing Contractors

We know roofing because all things roofing is exactly what we do, from gutter installation to repairing roof damage to new and full roof replacement. We offer services on both pitched and flat roof installations. Our team of expert Indianapolis roofing contractors specializes in asphalt shingle, slate, metal, tiles, wood, rubber and other popular roofing application types.

Whatever you have and whatever you want, we will be able to assist and help you out. Stay Dry Roofing is proud to be recognized as one of the leading Indianapolis roofing contractors in the area. Our reputation is our most important asset, and we are committed to conducting ourselves professionally each and every time we work with any customer on any job or project.

We appreciate the support and loyalty our customers have shown us, and we are committed to continuing this tradition of excellence as premiere Indianapolis roofing contractors. Doing our best when it comes to helping residents of Indianapolis and the surrounding area with repairing roof damage and ensuring the stability and functionality of their current roofing systems is what we do. Contact us at (317) 308-7773 today to see for yourself why Stay Dry Roofing is known as the best of the best, and to see what we can do for you!

Fall Roof Preparations

Professional Installation of Roofing in Indianapolis

Why Indy Trusts Us for Professional Installation of Roofing

choosing the right roofing optionsChoosing the right roofing options when it comes to a contractor for your project, whether it is a big undertaking or a quick maintenance project, is the most important part of the entire process. Professional installation of roofing is crucial, but it can be confusing to know how to tell an expert from a fraud. That is why we are here for you at Stay Dry Roofing in the greater Indianapolis are. Whether for roof repair or full roof replacement, we go the extra mile in earning our 5 star Google rating with our customers! Read More

Repairing Damaged Roofs

The Importance Of Repairing Damaged Roofs

fixing your roof the right wayOf all the many components that make up a home, the roof is one of the most critical. It is also the one piece that takes the most abuse day in and day out. After years of being exposed to the harsh effects of rain, sun, wind, temperatures, and the other elements of local weather systems, the shingles or tiles on your roof will start to wear out and become damaged. Curling, peeling, even disintegration of roof shingles and other roofing components, can weaken your roof and put you, your family, and your possessions at risk. Repairing damaged roofs and gutter systems is one of the most critical components in home ownership. Read More