Filing an Insurance Claim

Filing an Insurance Claim

Tips for Filing a Roof

Replacement Insurance Claim

Sometimes it’s an unexpected disaster, a bad storm that takes a toll on your roof. Sometimes it’s something you’ve seen coming for years. But when it comes time to have a roof replacement, you know you can’t avoid it for long. It’s a stressful situation in general, but one of the most stressful aspects of the process is trying to file an insurance claim for the roof replacement. The long phone calls, the follow-ups, sometimes even the involvement of your mortgage company, can all combine to form a beast of a headache for homeowners. In these cases, it can only help to be prepared. Here are some steps you can take to make the process a little easier.


Find Out What Your Insurance Covers

Don’t take it granted that your insurance policy will cover whatever happens to your roof. Not all insurance policies are created equal. The age of your roof and the reason for the roof replacement all play into how much the insurance company will cover for your roof replacement, or even if they cover anything at all. Your policy can also change from year to year, which can make it difficult to keep up with what it covers. When it’s time for a roof replacement, you need to file as quickly as possible to ensure the best coverage, so this is the kind of information you should have before disaster strikes. Call your insurance company to make sure you know what policy you have and keep a current copy of your policy at all times.


Take Full Inventory and Pictures of Damage

When it comes to insurance companies, it’s critical to have a record of all the damage. The day after a storm, you should take a good look at the roof and the attic to list all the damage. Take pictures of everything you see. It’s actually a good idea to take the occasional picture of your roof before it’s damaged, too, so that you have something to compare it to. In this case, it might be a good idea to hire a roofing contractor to do a thorough roof inspection. They may be able to notice damage that you overlooked and point it out to you. They may also have insights on what to expect when contacting the insurance company.


Hire Trusted, Experienced Roofing Contractors

It’s a good practice in any service to hire an expert. The right roofing company, with years of experience and satisfied reviews from customers, will not only be able to complete the work easily–since they do it every day–but they’ll provide a quality roof replacement that will last for years and years to come. But hiring a trusted roofing contractor isn’t just a good idea for the quality of your roofing project. It’s also helpful to find a company that has a great reputation with insurance companies. They can help you through the insurance claim, and when all parties work well together, the entire process will run more smoothly. When you know you can trust your roofing contractors with every aspect of the process, it will be much easier for you to relax through this stressful time.


Greenawalt Roofing not only has years of experience providing quality roof replacements to very satisfied customers, they also have a great reputation with insurance companies. We can work directly with the insurance company to make sure your roof replacement is covered and your coverage is maximized. Contact us today for more information about getting the best value for your claim or for a free quote.

Vinyl Siding Advantages

Vinyl Siding Advantages

Three Key Advantages of Vinyl Siding

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If your current siding is looking worse for wear, or if you are completing exterior renovations on the outside of your home, you may be wondering if vinyl siding is everything that they say it is. In fact, vinyl siding offers a number of advantages for homeowners, including improved energy efficiency once installation is complete.


  1. Versatility ~ One of the best features of vinyl siding is that it comes in an array of colors and styles that allow you to truly match your personality and style. Your homes exterior will look great!
  2. Cost ~ If you are on a budget, vinyl siding is often a cost-effective route for upgrading your homes exterior. You can choose the style you want and have it installed without worrying that you've maxed out before you've begun.
  3. Maintenance ~ If you hate outdoor maintenance, like cleaning gutters and blowing leaves, you are in for a nice surprise with vinyl siding. Virtually maintenance-free, this solution for your homes exterior allows you to enjoy a long-lasting finish without the hassles.
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At Greenawalt Roofing, we are your go-to siding installers when you have chosen vinyl siding as your exterior remodeling siding of choice. Our superior workmanship, fair pricing, and great reputation will tell you that you don't need to go anywhere else. Contact us today to learn more about your options. We'll be happy to assist you!

What Are Dimensional Shingles?

What Are Dimensional Shingles?

In short, dimensional shingles are asphalt shingles with a twist.  Dimensional shingles, also known as architectural or laminated shingles, have actually been popular for a number of years, but the question of what they are continues to grow as more stylish, eye-catching options come to market.

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Regular (3-tab (picture above)) asphalt shingles have three regularly spaced asphalt tabs, giving the roofing material a very repetitive pattern. In contrast, dimensional shingles (picture below) have two layers of shingle material bonded together, giving them a three dimensional appearance.

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Dimensional Shingle Origin
While dimensional shingles have a number of benefits compared to 3-tab shingles, they were created primarily for appearance.  They were originally developed in the '70s in response to luxury homeowners seeking a roofing material that looked like cedar shingles but performed like asphalt. 


Designer Shingles
Many manufacturers have extended the dimensional shingle concept much further to create countless styles, ranging from victorian or old world, to rugged and dramatic.  A variety of marketing terms are used throughout the roofing industry (depending on manufacturer) to depict designer shingle collections:

  • Designer
  • Architectural
  • High-Definition (HD)
  • Premium
  • Ultra-Premium
  • TruDefinition (Owens Corning)
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You will notice very decorative and ornate shapes, colors and cuts in designer shingles.  Many also exhibit additional layers of granules and asphalt. It’s not uncommon to find other descriptive words that relate to other roofing materials, as manufacturers have tried to modify shingles in a way that simulates the appearance of other, more expensive roof types, including slate, shake & tile. 


Cost
On average, dimensional shingles run around $3-5 per square foot installed, or about 20% more than 3-tab shingles.  Designer shingles average $4-$6 per square foot installed.  Please note that these are general averages, and do not include tear off of an existing roof.  We recommend getting an estimate from Greenawalt Roofing to best determine the cost of a new dimensional shingle or designer shingle roof for your property.   


Performance
Like most other roofing products, you’ll find a wide range in lifespan and warranties, and therefore cost, but they usually start at 25-30 years, and 40-50 years isn’t unusual with higher end products.  Moreover, dimensional shingles are generally more robust compared to 3-tab shingles. On top of manufacturer warranties, Greenawalt Roofing offers a 12-year workmanship warranty as well!


Pros of Dimensional Shingles

Because of the double bonded layer, dimensional shingles actually offer more protection from wind and hail — with the heaviest grades able to withstand 130 mph winds.

Other benefits include:

  • Longer lifespan - 40-50 year warranties is not uncommon. 
  • More attractive - lots of colors and options available giving your roof a unique look.
  • Less likely to warp due to heavier construction.
  • Better at hiding structural imperfections in roof.
  • Readily available due to popularity. 
  • Works on most roof types and pitches - like regular asphalt shingles, these can be used practically anywhere.
  • Generally accepted as more aesthetically pleasing - so much so that many neighborhoods even require them.


Cons of Dimensional Shingles

  • Slightly more expensive - the double layer does add 20% to the cost on average. 
  • May be more susceptible to mildew and algae due to the notches - all asphalt shingles are susceptible to mold and mildew because the organic material in the shingle is one of molds favorite foods. 


If you are interested in options for your roof, call Greenawalt Roofing Company at (717)898-6000. 

Deteriorating Flashing

Deteriorating Flashing

Why Deteriorating Flashing Means Trouble for Your Roof

There are roofing materials that help keep the whole fixture intact and working on a roof. Each element of the roofing system needs a little bit of maintenance to keep your home dry, comfortable, and healthy. Flashing might be the unsung hero of the roofing system, as it plays an important role but isn't always recognized for its efforts. Without efficient flashing, your roof won't be able to fully protect your home from the elements. Here's a look at why deteriorating flashing means trouble for your roof.

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Your roof isn't just one continuous, solid piece. Instead there are joints where different segments meet, and these joints need to be covered in order to keep water out of your house. Flashing is a piece of metal that covers the joints and keeps water out. Without flashing, it would be easy for rainwater to seep directly into your home through the cracks and gaps in your roofing system. Excess moisture in the attic can leave water spots on the ceilings and water damage or even mold in your home. Flashing protects you from the hazards that come with these problems by keeping water outside.

Online Ratings Matter

Online Ratings Matter

Reviews & Ratings

Save Time Thanks to Feedback

If you run a Google search for a contractor, you'll likely be overwhelmed by your options. Many places are lucky to have numerous contractors serving their areas. Rather than playing roulette with your options or scientifically selecting a contractor through a fun game of eeny-meeny-miny-moe, online reviews allow you to create a curated list of qualified contractors from whom you can get quotes.

Take the Guesswork Out of Hiring

When it comes to big decisions, we tend to ask our friends or family for their input. We may even look on Facebook for references. Check out our Facebook reviews!

Provide Insight into the Quality of Their Work

When you're looking for a product, it's nice to be able to see it in person and get a feel for the quality. Reviews can add to this feeling by sharing an intimate look at how other consumers felt about the product or a service. That sharing of real-life experience is invaluable for contractors. A roofing contractor will be at your home for a few days installing your new roof. After that, you'll have a reminder of their work for a decade or two (and possibly longer). Gleaning insight from online reviews can help you make a choice that helps you add value to your home -- not detract from it.

Highlights the Character of Those Involved

Who you hire matters. Not all companies share the same values or the same quality of craftsmanship. Often, this comes down to the character of those running the company and doing the work. Online reviewers have no problem sharing whether or not they liked a contractor. These comments can help paint a picture of the character of said contractors.

Introduces You to Companies You May Not Have Found Otherwise

Google is a great tool. Unfortunately, many of us never make it past the first page of search results. In addition, the first several results are generally ads. If you consistently pick the first couple results, however, you may be missing out.

Gutter Problems

Types of Gutter Problems

& How to Fix Them

Clogged Gutters

Clogged gutters occur when something gets stuck in the gutters and prevents water from flowing freely. This is common in fall and winter months when leaves fall on your roof. Fixing a clogged gutter is easy. You just need to remove the debris that is keeping water from draining.

Damaged Gutters

Gutters are located in a prominent spot to take the brunt of most storms that come through our area including wind, hail, and snow. Over time, the force from the weather can cause damage to gutters including cracks, loose fasteners, or missing components. Check your gutters several times per year for loose or missing fasteners and reattach or replace when necessary.

Gutter Holes

Holes can slowly form in gutters during their use. These are often caused by water staying in one area. Even the smallest amounts of water can cause erosion and rust over time. If larger holes are apparent, a gutter replacement could be necessary.

Change in Slope

Professional gutter companies install gutter systems to properly align with the roof and the earth around the home. Over time, earth, and homes can shift as they settle which can cause the gutters to become unaligned. This change in slope can also occur if there is too much weight on the gutters. When this occurs, you need to realign the gutters to properly drain water away from the home.


To prevent gutter issues, it is best to perform routine inspections and maintenance throughout the year. Lack of gutter maintenance can lead to greater damage later on.

HOA & Your Roof

HOA & Your Roof

HOW YOUR ROOF AFFECTS

HOMEOWNERS INSURANCE

Roofs, being the highest part of a house, tend to be insignificant to most people. HOA roof concerns don’t arise unless damp spots or leaks become evident. A roof, however, impacts a home insurance policy more than what many homeowners think. Your roof matters a lot to your insurer in terms of lowering costs to acquire big savings, possibly increasing your insurance, and could even lead to cancellation or non-renewal.

HOW THE CONDITION OF YOUR ROOF AFFECTS HOMEOWNERS INSURANCE

Insurance Savings through Discounts

The age of the roof is considered by insurance companies, regardless of the age of the house. Roofs 10 years old or less are likely to acquire discounts, since it’s generally in good condition with reduced likelihood of leakages. Discounts or credits are also provided for hail resistant roof material, including concrete, metal, tile, slate, or fiberglass shingles. Homeowners would need to ask for a certificate stating the new roof’s classification.

Increased Cost of Insurance

The age and type of roofing material determines insurance costs. For roofs 15 years old and beyond, most insurance companies either raise the wind or hail deductible to certain percentages or only insure the roof for actual cash value rather than cost of replacement. Either way, roof-related claims would entail homeowners higher out-of-pocket costs. Roofing material such as steel panels, tile, slate, and concrete shingles cost more as insurers factor in replacement costs. The more expensive a roof is, the higher insured values and premiums will be. Some homes that have roofs made of wood shake shingles require plywood decking to be installed on top of replacing with new shingles. Moreover, roofs with an overlay or more than one layer of shingles are tedious to replace and therefore costs more. Insurance companies are bound to implement a higher wind or hail deductible, and the insured value of the home may be subject to a surcharge.

Insurance Policy Declines and Non-Renewals

All home policies written by any insurance company are followed through with home inspections to assess the home’s current condition. Common roof related issues include cutting back nearby tree and shrub limbs, flashing around roof edges, and boot vents in need of replacement. Necessary changes and repairs must be fulfilled, with photos submitted to underwriters upon completion. Otherwise, an insurance policy won’t be renewed for the next year or can end up being cancelled within the 60-day period.

CONTACT GREENAWALT ROOFING

FOR ROOFING SERVICES

If you’re unsure about your roofs condition, or want to get an inspection, trust Greenawalt Roofing with all your roofing needs. For more information, contact us at (717) 898 - 6000.

Window Lingo

Window Lingo

 Before you go shopping for windows,you should familiarize yourself with some terms to help you decide.

Here is a list of some terms you will find on window labels:

  1. Glazing - Glazing is a bit of a misnomer, and many believe this is the glaze on the glass. In fact, glazing actually refers to the type of glass used in the window and when your windows need to be re-glazed, it means the glass panes are in need of replacement. When it comes to maximizing energy efficiency choose double pane or triple pane windows separated by an insulating gas.
  2. Low E - This stands for low-emission, and it represents the window's ability to reflect heat. To do this, the glass needs a thin metallic coat. This process can be applied to preexisting windows if the frames are still in good condition. Windows made in the factory to be Low-E are more effective in this category. If you have large windows or a house with numerous or complicated window arrangements, it's best to have a professional come coat your windows with this film.
  3. Gas Fills - These windows contain argon or krypton inserted between glazing layers, thus improving insulating and heat reflection abilities. However, homes at high altitude should avoid this type of window, because air pressure differences force the gas out.
  4. Spacers - These separate sheets of glass in a window help with insulation. How these are made and what material is used matter greatly in terms of condensation prevention and heat loss.
  5. Frame Materials - Frames are made from a variety of sources, including aluminum, fiberglass, vinyl, wood, or a combination. Each has their own strengths. Aluminum is light, stable, and stops sound well. Fiberglass is also stable and easy to maintain. Wood offers the classic look and is easily painted or stained. Vinyl is easy to maintain and good at insulation. However, each has its own flaws. Wood and vinyl are susceptible to moisture, while wood is hard to maintain properly, and vinyl contracts or expands with temperature changes. Aluminum conducts heat rather than reflects it, and fiberglass is expensive. 

 

What's Trending in Residential Roofing?

What's Trending in Residential Roofing?

Every year, new residential roof trends take shape. In general, each offering brings with it efficient advances. As a leading roofing contractor, we want you to know about the latest roofing trends for residential homes.

Here are four main trends in residential roofing so far in the year of 2018.

Low-slope roofing – While flat roofs have been popular over the last few years, the top trending roof style of 2018 is the low-slope roof. Framed in an A-shaped style, low-slope roofs are great options for homeowners, especially because they’re low maintenance.


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Solar panels – More and more properties are using solar panels. In fact, this option is highly sought after by homeowners and business owners. It’s no surprise that renewable energy home additions are being added in rapid numbers.


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Sustainable roofing – Sustainable roofs are equally as popular as solar panel additions. Homeowners favor the idea of a roof that helps them save money in the long run.


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Asphalt and metal shingles – Highly rated by homeowners, asphalt and metal shingles have been trending in recent years. However, their popularity comes as no surprise, as both require little maintenance and lots of benefits.

What is Flashing?

WHAT IS FLASHING & WHERE IS IT USED?

Flashing helps to prevent water leaks by directing the flow of rain water around openings in the roof. They ensure that instead of leaking into your home, water runs off down the roof and into your gutter system. Flashing is available in a number of different materials.

  • Aluminum: Aluminum flashing is durable and cost-friendly. However, it can corrode if it's in contact with concrete or fiber cement siding.
  • Copper: Copper is more difficult to form than aluminum and most costly, but it's incredibly durable. It's also compatible with  the newer types of wood preservatives used on roofing.
  • Galvanized Steel: Although less expensive than other flashing materials, it's not as durable either.
  • Lead: Lead is often used for chimney flashing because of how soft and easy to bend it is. It's also quite durable.
  • PVC: Polyvinyl Chloride is inert and relatively easy to work with.

The following are some of the areas on the roof that generally need flashing in order to protect your home against leaks, which can result in extensive water damage.

  • Dormer Windows: Dormer windows are especially vulnerable to the elements because of the way they jut out from the roof. Flashing squares are often placed between every row of roofing material. It can also be used as a strip of flashing that runs around the dormer and beneath the roofing material.
  • Skylights: When skylights are built into a roof, they are raised with a wood curb to provide enough room for flashing material. If you are replacing your homes roof, you may need to raise the skylight in order to properly install flashing. Some skylights may come with flashing already built in, but these types of skylights may still require additional flashing.
  • Chimneys: Flashing strips are typically used for the chimney. These strips are usually made out of metal or PVC flashing and cover the joint between the chimney and the roof. The flashing is overlapped by the edges of the roofing material on one side and cap flashing on the other. The cap flashing is attached to the chimneys mortar joints.
  • Vents: Vents are a necessary feature in any roof. If the vent is already installed, then the height of the flashing detail may need to be altered around the vent. If you're installing a new vent, then you're going to need to cut a clean hole in the roofing material before installing the flashing. There are two kinds of vents - hood vents and pipe vents. For hood vents, a flashing flange will have to be slipped under the shingles above the vent. For pipe vents, pipe flashing will need to be slid over the pipe once it's installed.
  • Valleys: If you have a sloped roof, then you need to add flashing to the valleys. The valleys, which are the space where two planes of a roof meet, are notorious for developing leaks.
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Because flashing is such an important part of your roof, ensuring that it's properly installed and maintained is incredibly important.