PETRUS Roofing and Solar

Rock Solid Roofing and Solar in the Greater Houston Area

Roofing FAQ

Waiving Deductibles is Illegal!

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Maybe a door-knocker promised you money: “Not only will you get a new roof paid for by your insurance company, but you’ll get to keep your deductible!”

Maybe you see ads on Facebook or Google Search that say, “Free roofing services.” 

It is too good to be true! This is actually illegal in the state of Texas as it is insurance fraud.

If a roofer says this to you, you should report that company to your insurance company. Then you can also report it to the Texas Attorney General’s Consumer Protection Hotline (800-621-0508). A law went into effect on September 1, 2019 (HB2102), which built upon and clarified already existing Texas law on deductibles.

(Be sure to consult your attorney and insurance company, as this is not legal advice!)

Quick Introduction to Insurance Deductibles

What is a deductible? “A deductible,” according to the Texas Department of Insurance, is 

“the amount you have to pay before the insurance company will pay. A higher deductible generally means a lower cost for the policy, but also means you’ll have to pay more out-of-pocket if you have a claim.”

Why do we have deductibles? The deductible is the way the policyholder shares the risk of future damage with your insurance company. Whatever type of insurance you have- health, home, life- the purpose is to minimize risk due to the unpredictable future and ensure a payout if one day something bad happens. 

What sets the price of my deductible? Your deductible amount is expressed as either a percentage or a dollar amount in your specific policy. For example, your policy might be 10% of the total cost or $2,500. Every policy is different and you should read yours to find out your deductible. 

“Ask your agent if the deductible for wind and hail damage is different than the deductible for other types of damages. If it is, you might pay more out-of-pocket if your roof is damaged by a storm.” (TX Department of Insurance)

Note: Health insurance deductibles are different from homeowner’s as homeowners are applied to each claim, whereas for health it usually covers a year of costs.

Where’s the Roof Scam?

The insurance company will pay only after it has received proof that you paid your deductible in full to the roofing company. HB2102 gives insurance companies the legal right to know this information. You owe the deductible to the roofing company as part of your insurance claim. As stated above, it is your share in the risk. 

“Contractors who say they will waive your deductible might be sending false information to your insurance company about the cost of repairs. That would be fraud. And a contractor who offers to waive your deductible is likely making up the difference by cutting corners or using lower quality products. That can lead to more claims and repairs later.”

How does a scamming salesperson do this? Again, let’s consult the Department of Insurance’s website for more information: 

“One way is by giving you an estimate that’s higher than the actual cost to repair your home or roof. The contractor then uses the extra money paid by the insurance company to cover your deductible. Some contractors might offer rebates or credits in the amount of your deductible. That’s also illegal.”

Wouldn’t I want to keep my money and make the insurance company pay out to the roofers? The answer is emphatically “No!” Bad contractors who are willing to defraud the insurance company are willing to defraud you. Bad contractors who waive deductibles have to make up the difference somewhere, so what often happens is: 

  • Shoddy repairs and cut corners
  • Fake contracts (!)
  • Lower quality products
  • Inflated bill to the insurance company to cover deductible costs

Avoiding Contractor Fraud

The one that stands out to me the most in these bullet points is “Fake contracts”. Yikes! 

Bad contractors use contracts to DECEIVE the homeowner. Lines of legalese will make a lot of people’s heads spin. They will purposefully leave sections blank so that they can fill it in later after your signature is on the contract. Sometimes they will neglect to use official company documents, like a contract on their own business letterhead, to distance themselves from accusations after the fact.

Good contractors, however, use contracts to EDUCATE the homeowner about the work to be done. Thus, typical practice is to insert a paragraph explaining your role in paying the deductible and make you initial next to that section when you understand it.

Here are some great tips to avoid fraud: 

  • “Get written estimates on company letterhead with clear contact information.
  • Get more than one bid to gauge which ones are too high or too good to be true.
  • Check references and phone numbers.
  • Beware of those who only have out-of-town references or solicit door to door.
  • Don’t pay in full up front and don’t make a final payment until the job is done.
  • Never sign a contract with blanks on it.”

Here at Petrus Roofing, our contracts are standardized. We use professional estimating and invoicing software that are tied to the most-trusted names in the industry: JobNimbus and Sumoquote (which just joined forces last week!). We are proud of our reputation as ethical roofing contractors and asphalt athletes!

The Best Products in Roofing Material

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Investing in a roof is an investment in the longevity, protection, and aesthetic appeal of your home. With a plethora of products available in the roofing industry, it can be challenging to navigate the options. In this blog post, we will explore some of the best products that stand out for their durability, innovation, and overall excellence in the roofing market.

GAF Timberline HDZ Shingles:

GAF Timberline HDZ shingles have earned a stellar reputation for their high-quality construction and advanced technology. Featuring the patented LayerLock™ technology and an exceptional wind resistance rating, these shingles provide durability and peace of mind. Homeowners can choose from a variety of styles and colors to complement their home’s architecture. Petrus Roofing is a certified GAF contractor serving the greater Houston area.

Owens Corning Duration Shingles:

Owens Corning is synonymous with innovation, and their Duration shingles showcase this commitment to excellence. With the proprietary SureNail® Technology for enhanced grip and durability, these shingles provide a reliable and long-lasting roofing solution. The wide range of color options allows homeowners to customize their roofs to suit their preferences.

CertainTeed Landmark Shingles:

CertainTeed Landmark shingles are renowned for their beauty, durability, and comprehensive warranty options. These shingles are designed to withstand harsh weather conditions and come in a variety of colors, providing homeowners with flexibility in achieving their desired curb appeal. The dual-layered construction adds an extra layer of protection.

Tesla Solar Roof:

For homeowners looking to embrace sustainable energy solutions, the Tesla Solar Roof stands out. This innovative roofing system integrates solar cells directly into the shingles, seamlessly blending renewable energy production with traditional roofing. The Solar Roof offers an aesthetically pleasing and eco-friendly solution for those seeking a long-term sustainable investment. The problem with this Telsa roof is availability. It is extremely limited and has struggled with massive price fluctuations.

Metal Sales Classic Rib Metal Roofing:

Metal roofing is known for its durability, and Metal Sales Classic Rib Metal Roofing takes it a step further. With a classic rib design, these metal panels provide strength, weather resistance, and a sleek appearance. Metal roofing is also eco-friendly, as it is recyclable and can contribute to energy efficiency.

Choosing the best roofing product involves considering factors such as durability, aesthetics, and sustainability. The products mentioned here represent the pinnacle of excellence in the roofing industry, offering homeowners reliable solutions that align with their preferences and values. Whether it’s the advanced technology of GAF, the innovation of Owens Corning, the sustainability of Tesla Solar Roof, or the durability of metal roofing, these products showcase the diverse and exceptional options available for those seeking the best in roofing quality.

Keeping Roofers Safe!

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Three types of workers amaze me every time I see them in action: electrical line workers, roofers, and tree cutters.

A few months back after a storm snapped some of my trees, I hired a company to cut about 7 big oaks down (shout out to Cesar B!). My neighbor came over at 9 o’ clock in the morning with a beverage in hand, popped the top, and said to my kids, “Now this is going to be a better show than the circus!” He wasn’t wrong. Watching them scale up trees, tie ropes, swing branches with surgical precision, and topple huge trunks was impressive, to say the least.

One question I was wondering that morning is the same question that people ask us on the job site: How do you keep them safe up there?

The answer is that we rely on safety technology, OSHA requirements, and general safety best practices to keep your roofer firm-footed on those slanted roofs.

It all starts with their physical fitness, as every Houston roofer is basically an asphalt athlete. Scaling ladders while holding huge bags of shingles or underlayment is incredibly exhausting. An extra 20 or 50 pounds can cost someone their lives, but the reality is that once you do this kind of work, especially in the Houston summer, you’ll find it hard to add weight! But if lifting heavy weight and going up and down ladders becomes too straining, a roofer can get lightheaded and that is a dangerous situation. This includes frequent water breaks during the heat of the day.

Speaking of the weather, the second thing we do to protect our workers is closely monitor the weather. Rains and high winds will put their lives in jeopardy, so we make sure that if the chances are high for bad weather, we will be in communication with you to reschedule your work, usually for the very next day.

Another safety item that is crucial is the right footwear. Shoes or boots must have grip, they must have a thicker sole (remember 10,000 nails are used in a new roof!), they must protect the wearer’s toes from dropped tools and materials, and they must fit snuggly. Also, roofers are close to power lines and cables, so protection from electrical shocks is a must. Many hiking boots and work boots will do the job, but the most popular is the Cougar Paw Performer, especially for high-pitched roofs.

top and bottom of the serious roofer shoe, the Cougar Paw Performance.

The two areas that cause the most fatalities are falls and electricity. Others are extreme temperatures, contact with hazardous substances and chemicals, and power tools.

There are a lot of fall-prevention methods to keep your roofer safe:

  • Inspection of the roof to make sure it is safe to walk on (rot, holes, etc.)
  • Proper training on different roof pitches (flat roofs aren’t magically safe)
  • Harnesses and other “personal fall arrest systems” as they are known
  • Guardrails and professionally installed scaffolding (easy to get wrong)
  • Warning lines and coverings around skylights, atriums, and other roof openings
  • Ladder safety and security (seems intuitive, but stability can be tricky)
  • Toe boards that nail into or use friction with the shingles
  • New tech (like the hilariously named The Goat Steep Assist Ladder)

Taking roofer safety seriously is the table-stakes for being a professional roofing company. They are ones who get the job done so why wouldn’t we protect our own people? Protection starts with training- proper ladder and tool use, pre-inspections, and clear communication. An untrained worker is a dangerous variable to himself and others.

Along these lines, one way you can tell a professional roofer from the unprofessional is the orderliness of the job site. Injuries are more likely to occur when tools, shingles, nails, and other items are haphazardly spread throughout the homeowner’s yard. Things happen: tools fall, nails scatter, boots slip. Smart contractors make sure their crews are trained, healthy, the weather is right, and the job site is organized.

Why GAF Shingles are the Gold Standard

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When it comes to roofing materials, homeowners seek durability, aesthetics, and reliability. GAF, one of the leading manufacturers in the roofing industry, has consistently delivered on these expectations with its premium line of shingles. In this article, we’ll delve into GAF shingles, exploring what sets them apart and why they have become the gold standard in roofing.

Quality Craftsmanship:
GAF, which stands for General Aniline & Film, has been a trusted name in roofing for over a century. Their commitment to quality craftsmanship is evident in their shingle manufacturing process. GAF shingles are known for their superior durability, weather resistance, and longevity, making them a preferred choice for homeowners looking to invest in a roof that can withstand the test of time.

Advanced Technology:
GAF has embraced cutting-edge technology in the development of its shingle products. Their Advanced Protection® Shingle Technology provides an extra layer of defense against the elements, ensuring that the shingles perform exceptionally well under various weather conditions. This technology also contributes to the shingles’ energy efficiency, helping homeowners maintain a comfortable indoor environment while potentially reducing energy costs.

Wide Range of Styles and Colors:
GAF understands that a roof is a significant visual element of a home, and they offer a diverse range of shingle styles and colors to suit various architectural designs. Whether you prefer the classic look of traditional asphalt shingles, the dimensional appeal of architectural shingles, or the distinct charm of designer shingles, GAF provides options that enhance the curb appeal of any home.

WeatherGuard® Technology:
GAF’s WeatherGuard® Technology is a standout feature that adds an extra layer of protection against severe weather conditions. This technology enhances the shingles’ ability to resist water penetration, wind uplift, and the impact of hail, providing homeowners with peace of mind during storms and adverse weather events.

Industry-Leading Warranties:
GAF stands behind the quality and durability of its shingles by offering industry-leading warranties. The warranty options provide homeowners with long-term protection, reflecting GAF’s confidence in the performance of their products. Homeowners can choose from various warranty packages, including the GAF Golden Pledge® Limited Warranty, for added assurance and coverage.

Conclusion:
GAF shingles have earned their reputation as the gold standard in roofing excellence, combining quality craftsmanship, advanced technology, and a wide range of style options. Whether you prioritize durability, aesthetic appeal, or both, GAF shingles are designed to meet and exceed expectations. With a commitment to innovation and a legacy of reliability, GAF continues to be a top choice for homeowners seeking a roofing solution that not only protects their investment but also enhances the beauty of their homes.

What Keeps the Water Out?

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Texas thunderstorms are nothing to mess with, but the last thing you want to see during a storm is water trickling down from your ceiling into your house. Water-related problems make up about 65% of all home-related service calls in the United States.

I will never forget during last year’s freak storm that ripped through The Woodlands, my kids ran upstairs to get me, shouting, “Dad! Hurry! Water is everywhere!” Water found its way through a poorly sealed newly installed window. It shocked me how much water was coming in through one spot. The company came and resealed the window, then inspected the other windows in my house to make sure it would not happen again. And it didn’t, thank God.

A roof leak, however, can be far more devastating as it takes longer to notice, increasing damage to walls, insulation, and expensive attic HVAC equipment, not to mention mold and mildew growth. This can occur for weeks or months without anyone noticing.

This is why quality roofing matters! This is why you should learn a bit about what goes into your roof so you can be a informed consumer.

What most humans call a “roof” is actually a genius system of supporting layers that help to keep what’s underneath the roof safe and comfortable (You!). We see the shingles from the outside and the attic plywood ceiling from the inside, but between those two a lot is going on.

One of those components is the leak barrier, also called the ice and water shield. An ice and water shield is an underlayment designed to protect a roof from water infiltration, particularly for Gulf Coast states that get a lot of rain. When hurricanes or thunderstorms come, heavy rains and high winds make these systems crucial to keeping water on the outside. 

These leak barriers are self-adhering membranes that are typically made of rubberized asphalt or similar material. This shield is installed on the roof deck before the application of other roofing layers, like your shingles.

These barriers are incredible and offer waterproofing and water management.

They make especially vulnerable areas waterproof, like valleys, eaves, and areas around roof penetrations like chimneys and skylights. The self-adhering property creates a continuous seal, reducing the risk of water penetration. Also, they are flexible, adapting to the contours of the tricky parts of the roof’s irregularities and features. When we get the occasional freeze, the shields make sure the ice or snow melts in a way that it drains properly. 

It’s important to note that the installation of an ice and water shield is often required by building codes in regions prone to heavy precipitation. However, even in milder climates, roofing professionals choose to use this protective underlayment as an added precaution against water infiltration. No one needs that nightmare! 

11 Ways to Spot Roofing Scams

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As a homeowner, your roof is one of the most critical components of your house. Unfortunately, not all roofers have your best interests at heart, and falling victim to a roofing scam can be costly and stressful. Here are some key signs to watch out for to recognize if a roofer is trying to scam you.

TL;DR Version (too long; didn’t read)

When hiring a roofer, be cautious of:

  • High-pressure sales tactics
  • Lack of Honest Documentation
  • Unusually low bids
  • High down payment requirements
  • Cash-only transactions
  • Absence of references or reviews (especially local)
  • Inadequate licensing and insurance
  • Unexpected material surcharges
  • Unprofessional behavior
  • Unnecessary repairs or upgrades
  • Shoddy workmanship

High-Pressure Sales Tactics

Beware of roofers who use high-pressure sales tactics to push you into making a decision on the spot. Reputable contractors understand that replacing a roof is a significant investment and will provide you with ample time to consider your options. They will attempt to rush a decision by adding artificial time constraints and a false sense of urgency. 

Lack of Honest Documentation

A trustworthy roofing contractor will provide you with written estimates, contracts, and warranties detailing the scope of work, materials used, and project timelines. If a roofer refuses to provide written documentation or asks for payment upfront without a contract, ditch them now. A trustworthy roofer provides a detailed, written contract outlining the scope of work, materials, timeline, and costs. Avoid any contractor who refuses to provide a written agreement or pushes for verbal agreements only. Having a written contract protects both parties and ensures clarity throughout the project. A contract is not just a legal document, but a communications tool between the parties involved!

Unusually Low Bids

While everyone wants to save money, be wary of roofers offering significantly lower bids than their competitors. Often, these “too good to be true” offers are a red flag for subpar workmanship, low-quality materials, or hidden fees that may surface later in the project. Scammers wow you with the low price tag, but will either charge you more as the project unfolds or cut corners that no homeowner can afford. Obtain multiple quotes from reputable contractors to establish a realistic budget for your roofing needs.

High Down Payment Requirements

Beware of roofers asking for more than 20% as a down payment, a sign they may be prioritizing profit over quality work. Typically, reputable roofers charge 10-15% to secure quality materials. An excessive down payment might indicate a potential scam, where the roofer intends to take your money without fulfilling the agreed-upon job. Stay cautious and opt for contractors with reasonable payment terms for a secure roofing project.

Cash-Only Transactions

Be wary of roofers who demand cash-only transactions. Legitimate contractors offer multiple payment options and provide receipts for all transactions. Using cash without proper documentation can leave you vulnerable to potential disputes or complications down the road.

No References or Reviews

A reputable roofing contractor will have a track record of satisfied customers and positive reviews. Before hiring a roofer, ask for references and take the time to research their reputation online. Also, make sure some of those references and reviews are LOCAL to you. If a contractor cannot provide references or has negative reviews, it may be a sign to look elsewhere. At Petrus, we even have reviews of people who didn’t go with us because we weren’t the lowest offer and expressed their regret! Check out our Google Reviews! 

Lack of Proper Licensing and Insurance

Always verify that the roofer is properly licensed and insured to perform roofing work in your area. Ask for proof of insurance and check with your local licensing board to ensure their credentials are up to date. Roofers who are hesitant to provide this information may not be legitimate. Do you think scammers and storm chasers who have no insurance will take care of your property, or their employees, if something happens on the job? No way! Petrus Roofing is right here in town and we all live in Montgomery County. 

Unexpected Material Surcharges

Some scammers may introduce unexpected material surcharges after starting the project, claiming unforeseen issues or cost increases. A reliable roofer thoroughly inspects the roof before providing an estimate, and any additional charges should be discussed and agreed upon in advance. You need to know why something changed and it should be documented and communicated clearly to you. 

Unprofessional Behavior

Pay attention to the demeanor and professionalism of the roofing contractor. Legitimate contractors will arrive on time, dress appropriately, and communicate clearly about the project. If a roofer is unresponsive, disrespectful, or unwilling to answer your questions, it’s a warning sign to proceed with caution. Ask the doorknocker specifics about the options of roofing shingles or what manufacturer they use and why. If you see blank expressions or get nonsense answers, you’ll know the sales guys are not supporting the install team and will not be supporting you!

Unnecessary Repairs or Upgrades

Be wary of roofers who insist on unnecessary repairs or upgrades that inflate the project’s cost. A reputable contractor will conduct a thorough inspection of your roof and provide honest recommendations based on its condition, without trying to upsell you on unnecessary services. Every company should know what “Good, Better, Best” is for your home. No salesperson should push a homeowner into an upgrade that does not make sense. Some will do this by assuming the upgrade, making you think the premium product is your only option. The best manufacturers offer a wide array of products. Petrus Roofing uses GAF, one of the biggest and oldest roofing material manufacturers in the world. They have about 11 different shingle products! Style and type can raise the price and your roofer should clearly differentiate what you need from what’s nice, but not necessarily in your budget. 

Shoddy Workmanship

Inspect the quality of completed projects in your area before hiring a roofer. Scammers often leave behind shoddy work, and a lack of pride in craftsmanship is a clear warning sign. Ask for a portfolio of completed projects and seek testimonials from satisfied customers. Petrus Roofing goes the extra mile with our new Catch-It All system of nets, tarps, and gutter-guards that protect your home, plants, and pools from debris and nails from the construction process. We use over 10,000 nails to install a roof!

Conclusion

While most roofing contractors are honest and trustworthy, it’s essential to remain vigilant and educated when hiring a roofer for your home. By recognizing the signs of a roofing scam and taking proactive measures to protect yourself, you can ensure a smooth and successful roofing project that safeguards your home for years to come. Remember, your peace of mind and the integrity of your home are worth the extra effort to find a reputable and reliable roofing contractor.