Roofing Archives | Page 8 of 11 | CoMo Premium Exteriors

What is the Roof Lifespan for My Home?

Many of our Mid-Missouri clientele want to know how long their home’s roof may last. This is a significant concern that should be evaluated when considering other repairs and it is important to budget for a replacement in the future. Fortunately, with superior roof installation and modest upkeep, you can get a lot out of your roof, even amid all the rain, ice, and snow we get in Missouri. However, once your roof gets to the end of its usable life and shingles start blowing off, it is important that you are ready to replace it.

General Guidelines for Roof Lifespan Expectations

The typical asphalt roof lifespan in Mid-Missouri is between 10 to 20 years. The wide variation is due to many factors including the quality of the shingle, the quality of the installation, if there is adequate attic ventilation, weather conditions, and much more. Manufacturers offer limited lifetime warranties, but most shingles will experience some sort of weather related damage prior to the expiration of the warranty. So, we encourage homeowners to get annual inspections once your roof reaches about 10 years old.

What is important is that you catch any small damage before it becomes big, thus preventing future leaks. For example, squirrels and other rodents can cause damage or a limb from a nearby tree may start rubbing the roof as the wind blows. We’ve seen all types of small, fixable issues become much bigger because homeowners ignored them.

What’s the Best Time to Get a Roof Inspection with CoMo?

You can get a roof inspection any time of the year. The only days to avoid are those when it’s freezing or you have snow on the roof. It’s not safe or feasible to work during extreme elements, but other than that, we’re more than happy to come and do an inspection.

What impact do hail storms have on roof deterioration? In Missouri, we get significant hail and windstorms, and this damages the granules in the shingles on your roof.

Take These Steps to Keep Your Roof Strong

Since we’re on your side and want you to get the most out of your roof, we offer a few pointers on how to keep your roof strong for years. Besides getting an inspection, don’t forget these other factors:

Purchase Durable Roof Materials
- We can install a variety of roof materials, including metal roofs, flat roofs, and shingled roofs. Metal costs the most but lasts a long time. Shingled roofs have come a long way in just a few decades. The popular Owens Corning brand features exceptional SureNail Technology that includes UV ray resistance, algae resistance, and plenty of other safeguards.
Don’t Neglect the Budget Considerations
- While that part about buying durable materials is essential, so is paying for quality installation and selecting an honest company that stands behind their work. That’s why you should take advantage of a free estimate with us before doing anything. One of our service technicians can give you a reliable calculation on material and labor costs. We also offer ways to finance the project without feeling like you lost half your savings.

Our Repair Services & Inspection Can Extend Your Roof Lifespan Substantially

Not every installation company can install beautiful architectural shingles properly. We do that along with several other exterior home improvement tasks such as windows, doors, gutters, and siding. If you’re ready to address one or more of these critical areas, then don’t hesitate to call us.

As an Owens Corning Platinum Preferred Contractor, and a company that has been roofing for over 12 years, we have the training and the experience to help assess the condition and age of any type of roof. This includes asphalt shingles, metal, EPDM, and TPO roofing materials. If you aren’t sure about the condition of your roof, and just need that piece of mind, give us a call for a free inspection.

Contact us anytime to schedule an assessment of your roof. We’ll provide advice on when it may need to be replaced and offer suggestions on things you may want to consider to extend its life.

How Do I Know If I Need A Residential Roof Replacement?

Roof replacement for Mid-Missouri homes is one of our most essential services at CoMo Premium Exteriors.

It’s anything but an “elective” exterior project for many reasons. A deteriorating roof can cause lots of problems for your health, energy bill, and even the safety/security of your home. Since that’s the case, here’s some food for thought regarding the crucial topic of roof replacement.

When Should You Get a Residential Roof Replacement?

When should you replace your roof?

You can expect asphalt shingle systems to last about 10 to 15 years in our area of Missouri. We base that on typical weather conditions (summer heat, snow, ice, windstorms, etc.) and our own experience replacing roofs for over 12 years. A lot depends on the quality of the shingles installed and the installation methods used.

How do you take care of your roof when it’s nearing the end of its life cycle?

Determining the end of your roof’s life can be tough. If you see shingles blowing off when there is wind or you can see the fiberglass matting because the granules have come off, it is a good idea to get the roof inspected. For many people though, nothing may seem out of place and the roof may look fine, but about the 10 year mark it is good to have it inspected.

Roof Replacement Options

You may wonder how to select a new roof for your home. Plenty of Americans only ever do this once throughout their entire lives as homeowners, so you’re not alone if you’re unfamiliar with the lay of the land. While there are many ways to replace a roof, CoMo Premium Exteriors focuses on three primary methods, based on material applications.

Shingles, Metal, & Flat Roofs

Shingle Roofs
- Asphalt shingles are the most commonly installed product because they’re cost effective but don’t force you to sacrifice quality, style, or durability. Also, chances are, most of your neighbors have a shingled roof and, depending on your HOA, you may be required to have shingles.
Metal Roofs
- Then there are some homeowners who prefer an even more durable option. This is a good approach for some folks, but we find that the durability gap between metal and shingle roofs is not as wide as it once was. There are, however, many ways to install a classy metal roof system, especially for homes in rural areas. Today’s metal roofs aren’t the “barn metal” you may be thinking of, instead you can expect a quality metal roof using a “hidden fastener” system that comes in many colors.
Flat Roofs
- Flat roofs are more common for commercial businesses, but we see residential homes utilize them as well sometimes. We can install flat roofs with various materials and treatments such as EPDM, TPO, spray-on roof coating, and modified bitumen.

Who Makes Great Asphalt Shingles?

Many of our clients ask us to recommend asphalt shingle brands, which we’re happy to do. The three that we work with most are: 1) Owens Corning, 2) GAF, and 3) CertainTeed.

Each of these shingle manufacturers produce a fine product, but we give a special nod to the Owens Corning brand. We mentioned in our earlier article why we think they’re a great asphalt roofing shingle. It has a lot to do with the plethora of color choices, warranty coverage, and advanced tech that they put into their shingles. Their SureNail technology ensures a superior wind resistance compared to other options.

Call CoMo Premiums Exteriors for Outstanding Residential Roof Replacement Services

This is just a sneak preview into the entire world of roofing. If you get in touch with one of our representatives at CoMo Premium Exteriors, we can help guide you through the pros and cons of different roofing options.

Our roof installation service starts with a free estimate and culminates with reliable warranty guarantees. We will arrive on time to complete the work, and our project managers will keep you informed, start to finish.

How Do I Choose Between Shingles vs Metal Roofing?

Should you install shingles or metal roofing on your home or business? It’s a key question for anyone who knows they have roof damage and must explore replacement options.

The two key decisions when replacing your roof are: 1) Hiring the right roofing contractor, and 2) Choosing the most aesthetic, energy efficient, and durable roofing material. By hiring CoMo Premium Exteriors for the job, you will get quality service and expert advice to help you decide on the right material based on your budget, preferences, and particular roof structure.

How to Choose Between Shingles vs Metal Roofing

The question over shingles vs metal roofing comes to us a lot from Missouri homeowners who know it is time for a new roof but aren’t sure what would be best for them. We respond by asking them why they would prefer metal over asphalt shingles or vice versa. It’s all about determining what folks think they would gain with either material and then ensuring they have facts about the pros and cons of both material options.

One of the biggest factors involves conformity with the rest of your neighborhood. If you live in a residential community where everyone else has shingles or the homeowners association has particular rules against metal roofing, then it won’t make as much sense to install a metal roof. Your house will stick out like a sore thumb, which could pose many problems for resale potential.

Cost Factors When Selecting a New Roof

The most obvious concern among homeowners is the cost value of any roofing system. Metal roofing costs are typically significantly more than architectural shingles and only make sense for homeowners who plan to stay in their home for a long period. In addition, it is important that homeowners check with their insurance company before installing a metal roof so that they can understand the cost difference and what is or is not covered. While metal roofing is strong, if hit by large hail it will dent. Unfortunately, many insurance companies will not cover “cosmetic damage” to metal roofing and will only replace it if the paint has chipped.

No matter what a homeowner may prefer, CoMo Premium Exteriors has the experience and knowledge to help make a good decision. We don’t have a preference on which material you install, we care only that you find what works best for your needs. At the end of the day, as long as the roof is properly installed and meets the manufacturers installation requirements both metal and shingles are great options.

Best Roofing Materials on the Market Today

If we confine our discussion to the shingle approach, one will find many colors and styles available among several manufacturers. We work with shingle makers like Owens Corning, CertainTeed, and GAF, companies that encompass a significant share of the asphalt shingle market.

Today’s shingles are a lot more than just sand and granules. They engineer them with features such as UV-ray protection, algae defense, and materials to enhance energy efficiency. Each of those companies has over a dozen dynamic color options, and we install shingles according to the manufacturer’s required installation methods.

CoMo Premium Exteriors Can Help You Decide Between Shingles vs Metal Roofing

If you need further assistance selecting colors, then we’re glad to show you a full catalog of options whether that is metal or shingles. Again, we encourage you to take your time and weigh all the pros and cons of picking the material right for you.

We have over 10 years of experience here in Mid-Missouri installing shingles, metal, and flat roofs. You can see for yourself how happy our clients are with our dedicated workmanship. Our home page is full of five-star testimonials from satisfied homeowners from places like Columbia, Jefferson City, Ashland, Hallsville, Mexico, and Fulton.

Contact CoMo Premium Exteriors anytime to learn all there is to know about shingles vs metal roofing for your Mid-Missouri home.

Working With a Roofing & Siding Company in Moberly, MO that Puts Your Needs First

Because your roof and siding are your home’s first line of defense against anything, from rain and sun to bugs and rodents, it’s essential to keep them in top shape. A tiny leak can become a significant problem if left untreated for too long. When it comes to the condition of the exterior of your house, CoMo Premium Exteriors can help maintain the quality of your siding and roof, as well as repair and replace anything that is damaged or worn out.

How To Choose a Roofing and Siding Company in Moberly, MO

Before you jump into signing contracts with just any contractor in Moberly, it’s important to do your research so you know who you’re working with. One of the most important things is finding a contractor or company that respects you as a homeowner and puts your needs first. But how can you tell if the company is the right choice to work with?

Reputation

Back before the internet, to find a good contractor homeowners had to call all their neighbors, family, and friends looking for a recommendation. While that is still not a bad idea, today you can find recommendations from people in your area through Google Reviews. These reviews are from local users and provide a good source of information for homeowners considering a contractor. When you look online search both in your town and in neighboring towns since many times larger companies like CoMo Premium Exteriors will have reviews in multiple towns such as Moberly, Boonville, Columbia, and Jefferson City. Today we have over 200 reviews from satisfied customers.

Services Needed vs. Services Available

If you’re in need of multiple repairs, it’s a smart plan to find out all of the services that a company has to offer, because many times you’ll get the best deal by having one company take on several jobs for you. At CoMo Premium Exteriors, we can give you a great deal on your siding, roofing, windows, decks, gutters, and doors. However, it is also important to make sure that the company you work with is trustworthy and does not recommend work you don’t need. Many homeowners are sold products or services that don’t fit their needs, so it is important to ask a lot of questions and make sure you fully understand the services being proposed.

First Contact

Whether you call or reach out via email or the “contact us” link, first impressions matter. If you call the office directly, you should feel confident and comfortable with how quickly your call was answered or returned, and if you reach out online, you should get a response within 24 hours. Communication is key, and as the consumer, you want to feel like you’re time is important and your job is a priority.

Consultation

Many contractors and exterior repair companies offer free consultations so they can get an idea of what your needs are and figure out a reasonable quote for the request. During the consultation, you are free to ask questions to find out if they are the right company for you to work with.

Some questions you may want to ask include:

Can you provide a copy of your worker’s compensation and general liability insurance policy?
How will I be communicated with during my project?
Who will be doing the work and how do we know we can trust them?
If insurance is involved, what is the process, and what will be required of me?
Do you handle the disposal of old roofing materials? Do you charge a disposal fee?
When and how do you invoice? Are credit cards accepted?
Is your work covered by a warranty? What about the materials that are used?

Roofing & Siding Company: Call CoMo Premium Exteriors For a Free Consultation Today

When you’re ready to call in the experts to handle your siding, roofing, window, or door replacements, the professionals at CoMo Premium Exteriors are ready to give you a hand. Give us a call today and we can schedule a free consultation to discuss all of your exterior needs. Your home is in good hands when you trust a good Roofing & Siding Company like CoMo Premium Exteriors.

Hallsville, MO Roofing: Roof Installation from a Company that Listens and Cares

Roofing jobs, particularly roof installations that involve unique homes or situations, should always be done by a company that cares about your needs and is willing to find solutions. Not only should your roof installer be operating with full transparency, but they should have a demonstratable level of concern for your questions, needs, and concerns.

Communicating and Planning Ahead

Clear communication throughout the process is important. From the very first visit with our Representative to the final job walk with the Project Manager, we strive to be clear on what work will be done, how it will be done, and a realistic timeline for how long it may take. As probably the largest roofing company in Central Missouri, we have excellent relationships with the best and top suppliers. When we replace a roof our suppliers schedule us quickly and are typically able to load the shingles on the roof, ensuring that your roofing project can be done faster.

In addition, CoMo Premium Exteriors believes in being a good partner. All our crews know our expectations for quality and for clear communications. Our scheduling department is efficient and lets homeowners know ahead of time when to expect us. When we’re done, we make sure to clean up after ourselves – and if you feel like we didn’t – all you have to do is call because every replacement comes with our 1 Year Cleanup Warranty.

Hallsville, MO Roofing: We Won’t Recommend Work That You Don’t Need

To fully align with our goal of being a trustworthy local authority on roofing and siding installation, we make sure that we’re being as transparent as possible when going over materials and costs. When you have an inspection done, you won’t need to worry about researching what everything means, our roofing expert will cover each item with you, as in-depth as you’d prefer. We will provide you with as much or as little product information as you need to ensure you are comfortable with your selection.

We will make sure that not only do you have the opinion of our roofing expert but that you have the information you need to make an educated decision regardless of who your roofer may be. We’ll make sure you understand what we found during our inspection, how our roofing system works, and what you can expect from our company and our installers.

Our Teams Are Prepared To Make Sure Your Business Is Minimally Affected

Commercial roofing has needs that are significantly different from residential roofing. The differences aren’t just in the materials and skills needed to properly install the roofing, but also in how to manage the job with minimal impact on the operation of the business. Another very important aspect for business clients is safety. CoMo Premium Exteriors has replaced commercial roofing for over 10 years and we have processes and procedures in place to ensure the safety of employees, customers, vehicles, and equipment.

Hallsville, MO Roofing: CoMo Premium Exteriors Listens & Cares About Your Needs

There is no easier way to get your roofing needs to be heard and addressed than by using one of the most trusted local roofers in the Hallsville, MO area. If you are a homeowner that simply needs a trustworthy inspection of your roof so you know where to start, give us a call. If you are looking for a commercial Hallsville, MO roofing solution, we can help meet those needs as well.

Columbia, MO Guttering & Roofing: A Project Plan that Fits Your Needs

In Columbia during storm season, the weather can vary greatly from large hail to strong winds to a combination of both. Each new season brings the potential for severe and even damaging storms, which means you should be aware of the Columbia, MO guttering & roofing options. CoMo Premium Exteriors is one of the leading roofers in the area, and not only can we perform a full roof inspection, but we can schedule everything from basic repairs to full roofing replacement.

Roofing repairs are one of those things that just makes blood pressure and anxiety meters spike, and nobody likes thinking about the potential costs of repairs after torrential rains or hail storms. This is why it’s crucial to know which roofers in your area are going to be able to offer reliable service with the craftsmanship they stand behind.

The Importance of Columbia, MO Guttering & Roofing

From the searing summer sun to the frigid winds of winter, Columbia, MO gutters & roofs take a considerable beating. Between those two extremes, we also see incredible amounts of rain during the spring and fall.

No matter what season it is, having gutters and a roof that is in good shape and can actively protect your home is essential. Your home is one of your largest and most significant investments, and allowing the elements to infiltrate that investment can cause a considerable loss in value.

Your roofing and guttering are designed to work as a system that moves water off of and away from your home to ensure it does not infiltrate and create interior water damage. Proper guttering also serves to help keep the water from pooling around the base and foundation of your home. If water accumulates near your foundation for lengths of time it can result in leakage, cracks, and settling.

Get Guttering & Roofing That Fits Your Needs

One of the most frustrating experiences as a homeowner is dealing with pushy or high-pressure contractors. No matter the complexity of your roofing or guttering project, we won’t pressure you or use “buy now” schemes. We work hard to explain the process and justify why we are your best choice, but we never you deceptive practices. If you work with us and your project changes scope because of new additions you want to make or because we encounter unexpected issues such as rot or termites, we will make sure that you are kept fully informed of the issue and expenses. You won’t be pushed into additional costs or unwanted services that are not necessary to complete the job correctly.

Transparency Is Important To Our Roofing Family

Being fully transparent is one of the primary goals of our company, and this extends from initial inspections and estimations to the project execution and the finalization and acceptance of completed service. If you are working with insurance to complete a roof replacement, you can be assured that we will communicate with your insurance company regarding necessary services to ensure we install your roof per the manufacturer’s specifications and local code.

We Can Help Make Sure Your Insurer Covers What’s Needed

Sometimes your insurance company can miss exterior items that were damaged by a storm, leaving you to find them later and correct them at your own expense. When we work with your insurer to complete a covered storm loss, we will do a thorough inspection of your home to find all the relevant damage. Insurance adjusters aren’t roofers, and occasionally they may not cover something that is essential to getting your roof done correctly. Cases like this might cause other roofers to simply bill you at the end, but we’ll make sure you know of any speed bumps in the process so that we can handle them together. CoMo Exteriors is ready to be your Columbia, MO guttering & roofing partner.

An Owens Corning Roofing Contractor You Can Trust in Ashland, MO

Most home maintenance and improvement work can be handled by the homeowner, but roofing is still one of those trades that require a skilled professional Owens Corning roofing contractor to finish the job correctly. Your home is one of your largest and most important investments, and making sure that investment is properly protected is incredibly important.

When talking with local roofers, you may find only a few that turn out to be a Platinum Preferred Owens Corning roofing contractor, and while that sounds like a great title, it actually has some meaning. We’re going to take a look at what exactly it takes to become this type of roofer, and why having your roofer demonstrate those same traits means you’ll be getting a solid roof.

What It Takes To Be An Owens Corning Platinum Preferred Roofing Contractor

In order to become one of the “platinum preferred contractors” listed under the Owens Corning contractor database, the roofer will need to meet some qualifications. They will need to be able to produce current and valid licensure for working on roofs in Missouri. They should also be able to show you some form of basic liability and worker’s compensation insurance coverage, which may not sound important to you, but can prevent dangerous legal liabilities in the event of an accident.

Once the contractor has produced the needed paperwork showing that they are licensed to work in their state and properly insured, they will need to make sure their business is in good standing with the Better Business Bureau as well. The final step to becoming an Owens Corning Platinum Preferred Roofing Contractor is completing their training and passing onsite inspections where your workmanship is graded.

Honesty Is Crucial In Our Inspections

Even if you aren’t sure about what service your roof may need, one of our roofing experts will come out for a full inspection. You should have your roofing system inspected approximately annually anyway, but when you trust CoMo Premium Exteriors as your roofing partner, you will have the full confidence that your roofing health report will not only list the most urgent repairs but also things that may progress and become more serious in coming years. This gives you an easier way to prioritize your roofing repairs and better manage your funds. When they come, if your roof has hail damage they’ll make sure to take photos and explain the process of submitting an insurance claim if the damage is great enough to justify it.

The Educational Process Is Important To Us

One of the things that our roofing teams take pride in, is keeping the lines of communication and education open between them and their customers. Even if you know nothing about roofing, our team members will make sure that you have all the knowledge and information you need to make educated decisions about your property now and in the future. If you have any questions during the process of scheduled repairs or roof replacement, you can trust us to give you a straightforward and simple answer that you can use as actionable insight.

As An Owens Corning Roofing Contractor, We Only Use The Best Materials

Since we are an Owens Corning Platinum Preferred Roofing Contractor we use all Owens Corning materials. This means that your roofing system will have been fully tested and designed to work with all the components used, and we won’t be using “mix-n-match” roofing products and shingles on your roof.

CoMo Premium Exteriors Can Help You Get The Most Out Of Your Roofing Project

Your roofing project doesn’t have to fill you with anxiety, just be sure you use one of the most highly-trusted local roofing professionals. When you need an Owens Corning Roofing Contractor in Ashland or surrounding towns, reach out to CoMo Premium Exteriors.

Why is Owens Corning a Great Asphalt Roofing Shingle?

Let’s discuss the Owens Corning brand of roofing materials. As one of the most popular brands of shingles in Missouri, Owens Corning makes solid and reliable asphalt shingles that don’t require you to break the budget. Through this article, we will explore why these shingles are the best choice for roofing in Missouri.

Background on the Owens Corning Company

The history of Owens Corning goes all the way back to the 1800s when a lab experiment turned into what we know today as insulation. Best known for their iconic use of the “Pink Panther”, Owens Corning is a brand that manufacturers insulation, roofing, and fiberglass composites that are found in products throughout the world.

For roofing, Owens Corning produces a wide range of asphalt shingles under product lines called Duration, Oakridge, Berkshire, Woodcrest, Woodmoor, and Supreme. These different product lines offer various looks, price points, and impact resistance. Here in Missouri, most homeowners prefer the Owens Corning Duration brand of shingles for their durability, reputation, and affordability. This is one of our favorites because it outperforms many other shingle brands, and comes in a plethora of color options. They include:

Driftwood
Brownwood
Summer Harvest
Onyx Black
Harbor Blue
Shasta White
Desert Tan
. . . and several more.

Owens Corning shingles even offer special defense against offensive substances like algae. They do this with a shingle composed of an outer layer of ceramic, copper, and a mineral core. More importantly, Duration shingles have their patented SureNail technology built into each shingle. SureNail is a simple concept, but it makes a huge difference in the shingle performance and the speed of its installation. SureNail is a unique fabric strip that is integrated into the shingle and is the line where the roofing nails are installed. This unique fabric strip offers several advantages:

It eliminates the worry that a roofing nail will be driven too far into the shingle. The fabric strip ensures the nail head sits at the right depth. This eliminates the need to hand drive roofing nails and allows for the free use of pneumatic nailers.
It creates a much stronger grip on the shingle making it more difficult to blow off in the wind, as compared to other shingles.

These unique features, combined with a reputable company standing behind them, makes Owens Corning Duration shingles a great choice for any home.

Asphalt for Roofing Purposes

We can confidently state that there are many benefits to using Duration asphalt shingles. Here are just a few perks:

They can last anywhere from 15 to 25 years, even amid the harsh Missouri weather.
The price is quite cost-effective compared with more expensive approaches like metal roofing.
Asphalt shingles score high on energy efficiency, impact rating, angle versatility, and ability to withstand heavy wind (if you buy the right kind).
There are even asphalt shingles on the market that can imitate a wood or stone look.

If you want to dive further into this topic, check out this post we did on asphalt roof shingles.

CoMo Premium Exteriors: Best Roofers in Central Missouri

Once you’ve selected the material you like for your next roof project, then all you need is a good installation crew. Roofing can be dangerous and difficult, so never do this task alone. Along with the Owens Corning asphalt shingles, we also install other materials such as:

Metal Roofs
Flat Roofs
Commercial Roofs
Specialty Roofs

Good roofers can cover any of those jobs for you. When we say we’re good, we mean we’re The Best Roofers in Columbia, according to Expertise.com. If you’d like to see further testimony of our roofing prowess, just listen to all the positive feedback we receive.

On Google Reviews, we have over 200 reviews for a nearly perfect rating of 4.8/5.0 stars. That’s proof that you can rely on us for serious outdoor renovation work.

Roofing Contracts and Payment

What You Need to Know Regarding Roofing Contracts and Payment

Navigating roofing contracts and payments as a homeowner can seem like a daunting task, especially if you have no legal experience as a first-time homeowner. To add to the stress, there are contractors out there who may be looking to scam you, but if you educate yourself and find a trusted contractor the process will be hassle-free. So, here’s what you need to know about roofing contracts and payments.

What Should be in a Roofing Contract?

First off, as with any professional business, your contractor should have a written, legal contract that outlines what work will be performed, the conditions, and the cost of that work. Some companies will use two kinds of contracts, one for insurance-related jobs and one for jobs that are not covered by insurance. With roofing jobs, there may be rotted decking that can’t be seen until the roof is removed. Since rotted decking needs replaced before the installation of your shingles your contract should also include an estimated cost for this replacement so you are not caught off guard.

Work Beyond Insurance Allowance

If you incur damage to your home from a storm there is a possibility that the insurance will only cover a portion of your roof, siding, or guttering and you will want to replace that material in its entirety so that it is uniform in age and appearance. Maybe you’ve been planning to replace your roof, siding, or gutters and considered upgrading to a higher quality product than what is currently on your home and covered by insurance. If either of these two scenarios describes your situation, your contractor should guide you through the process and provide an estimate outlining the costs beyond what insurance has covered.

Paying for your Roofing Repairs or Replacements

It is important to look for any irregularities in how your contractor requests payment. Typical contractors will ask for 50% of the total cost upfront and the rest at the competition of the job. The first 50% acts as a down payment which will allow them to cover material costs before the job has begun. It is also common on large jobs for contractors to ask for 1/3 of the payment upfront, 1/3 at the start of the job, and the final 1/3 upon the job’s completion. It’s important to look for a contractor that uses one of these payment terms because it allows the homeowner to make sure the work is completed to the terms of the contract and there aren’t any problems with the work before paying in full. It is a red flag if a company asks for 100% of the contract value upfront because they could take your money and never complete the job, leaving you with little recourse for repayment.

In the case of most insurance contracts, an agreed-upon portion of the funds will typically be released to the homeowner within 1-2 weeks after the adjuster approves the claim. The homeowner will then use those funds to pay the contractor and any money not yet released by the insurance company is typically paid once the work is complete and the contractor or homeowner sends the final invoice to the insurance company. After the proof is submitted, funds will typically be received within 30 days. An experienced contractor should be aware of this timeline and allow homeowners 30 days to pay their bills. Please note there are different types of insurance policies and you should review your coverages with your insurance agent to understand your specific policy.

Financing Options

Financing options for roof replacements are common and many sources exist for today’s homeowners. Whether you are financing the entire amount or just need to finance the amount of your deductible, you can get financing through your primary banking institution or from home improvement lenders. Como Premium Exteriors can offer competitive financing options to almost every customer through our financing partners. The application process is simple and credit decisions are returned within 15 minutes. If financing is something you need, don’t be afraid to ask your contractor for the options they provide.

Want to Know More About Roofing Contracts and Payment?

If you’re still feeling intimidated by roofing contracts and payment, siding, or gutter repairs, call CoMo Premium Exteriors to help answer your questions. We have years of experience providing homeowners with accurate estimates and helping them to understand the process of working with insurance.

Understanding Roof Inspections & Insurance Claims in Mid-Missouri

The first step to tackling any roofing problem is always an inspection. An inspection is not only necessary to inform homeowners about what kind of repairs their roof needs, but it is a necessary step in the insurance claims process as well.Continue Reading Understanding Roof Inspections & Insurance Claims in Mid-Missouri