Stay on Top of a Re-roof

I’ve you’ve read my previous posts, you know I’m a sucker who gave a heaping amount of money to a shyster who was supposed to re-roof my house. I may be naive, but I’m not too proud to admit it and share with readers the mistakes and lessons I’ve learned. I would prefer to have my money back, but that’s as likely as Republicans and Democrats unanimously agreeing on a healthcare plan. So after research and painful experience, here are tips to stay on top of a re-roof.

First, if you can file an insurance claim due to hail or other covered acts of God, ask your insurance company for an appraisal. Our roof was old, so American Family Insurance only covered a portion of the replacement. It took a few weeks before our check arrived, then a few more weeks before our mortage company co-signed.

While you are waiting for your check to arrive, start researching roofers. Check them out through the Better Business Bureau, any local or national referral services and your city or county. To be doubly sure, Google the name of the company and owner for complaints. Narrow your choice down to three, then ask for estimates which should include: removing the old roof, disposal of trash, new materials including flashings, ice and water shield, felt, etc., and clean up. (If you have children or small animals, you might want to request daily clean up of staples with a magnet.) The cost of replacement is affected by your choice of materials, the size and slope of roof and the style of your home (ranch or 2-story).

Ask for references, then check them. Your best bet is a roofer who is local, has a long history in the industry, is detailed about costs and has a good reputation. Make sure they are licensed, bonded and insured. Some states don’t license, so you’ll have to check with your local government to see if their licensing and fees are up to date.   

Once you have made your choice, carefully go over the contract. It should include the previous estimate, a description of the project, a date when the project will be completed, a payment schedule, and any penalties incurred if the contract is cancelled or your payments are late. (Make sure you ask if there are any hidden fees.) I have included some sample contracts at the end of this post. The bottom line: Get everything in writing.

Choosing a roof can be a daunting task with all the materials, styles and colors to choose from. If you’re not sure what you like, visit a showroom. Take home samples, then lay them on the roof and look at them in different lights. Wait a few days. Remember, a roof is a long-term investment.

When you’re ready to buy materials you have three options: 

1. Your roofer can purchase the materials you select from their supplier–sometimes at a discounted rate. If you choose this option keep in mind that if they don’t pay their supplier, that supplier can then hold you responsible and put a lein on your home. So if you choose this option, check with the supplier to make sure they have a good relationship with your roofer and the he/she has good credit. If a roofer asks for money up-front, it’s an indication they have poor credit. Trust me, don’t use them.

2. Purchase your materials from a big box store like Lowes or Home Depot. Use a credit card that secures your purchase.

3. Use a contractor escrow service.

Resources: National Roofing Contractors of America, elocalroofers.com, Colorado Roofing Association

Sample contracts: Maris Brooks, ABCA Forms, US Roof and Repair

Please chime in if you have any other suggestions or if you’ve had an experience you’d like to share!

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