1 property inspection might secure you an $88,000 insurance claim.

This past week we began installing a new GAF TPO roofing system that we performed maintenance on and performed a periodical roof inspection. We documented the photos and reports in 2015 for our clients. On July 7th 2017 hail damage occurred, but no member walked onto the roof until the following fall (Face it, how many people walk their roofs?). Insurance claim gets filed. The insurance provider denies the claim and affixed the damage to a 2013 date of loss (Passed their filing statute of limitations). Everyone’s confused.

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Phone rings!
The next week we dive into our archives to retrieve our report. We contacted the insurance company and provided our photos and reports that contradicted this “2013 date of loss” finding. Alongside our reports, the clients also had a licensed home inspector review the property. Both reports and NO MENTION OF HAIL nor visual damage noted in the roofing membranes. Upon further review and months of back/forth the insurance organizations eventually agreed to an $88,000 insurance claim settlement.

Something so simple
These inspections often are free estimates and allow you to have a 1st hand account on present issues, concerns, or longevity of the existing products. In addition, to providing you with an honest record, it does the same for your insurance provider. We understand they’ll use their own insurance “reporting” system, but we never recommend relying on the insurance providers to make that decision!


The true costs for our clients homeowners:
1 service repair call – Illinois unlimited licensed roofing contractor (Free Estimate)
1 property inspection – Illinois licensed home inspection ($350.00)

So what’s necessary? 

Perform: ANNUAL and SEMI-ANNUAL PROPERTY INSPECTIONS

A lot of times insurance companies will review your property 2 times during your relationship. The 1st inspection occurs during your initial insurance premium review. The 2nd time often during an insurance claim.  It’s common for these inspections to occur 5 to 15 years apart if damage never strikes your property.

 

What you can do?

  1. Call licensed contractor to perform a property report (Annually) -$350.00
  2. Get a home inspection (Every 5 years) – $350 to $750
  3. Become familiar with storm damage such as hail, wind, & etc. and perform the inspections in-house. Free – Cost of the ladder.
  4. Notify your insurance provider anytime you make significant upgrades to your exterior products (Roof, siding, windows, & anything else) and keep receipts of the MANUFACTURER <- In case they get damaged.
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THE TOP 3 INSURANCE COMPANIES (From our project managers experience)

After 30+ years we want to share a few storm restoration industry facts and the top 3 insurance companies we’ve enjoyed working with throughout Illinois, Indiana, and the midwest. Why does our opinion matter? We’d be doing you a disservice by not disclosing the GOOD INSURANCE COMPANIES we’ve dealt with. Keep in mind our experience is with Homeowners Policies and Commercial Property Polices, and we cannot provide insight for vehicles, etc.

If you don’t see your insurer on this list, please don’t cancel your current provider and  change your policyholder. However, you should annually request quotes to make sure you’re not getting fleeced in premiums! It’s also, important to understand your policy terms and the endorsements, because without the appropriate endorsements you might be in a compromising situation.

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Top 3 Insurance companies

  1. CHUBB Insurance: $$$   

    • This company is based out Warren Township, New Jersey and one of the largest publicly traded casualty insurance companies in the North America. So there publicly traded and fair? From our experience they’ve been very transparent and great communicators with the homeowner
    • CHUBB is not the cheapest homeowners policies but they offer a tremendous Homeowners Masterpiece package that provides the following and more:
      • Extended replacement cost: After damage that’s covered by your policy, Chubb pays to have your home repaired or rebuilt to original specs and up to modern building codes, even if the cost exceeds your policy limit. This coverage is capped in some states.
      • Cash settlement: If you opt not to rebuild after total loss damage, or to rebuild elsewhere, Chubb will provide cash up to the amount of your policy.
      • Home appraisal: Chubb’s appraisers visit your home, estimate replacement costs, recommend the amount of coverage you need and offer security and safety advice.
  2. AMICA MUTUAL INSURANCE: $$

    • Amica is based out of Lincoln, Rhode Island and  was voted the #1 auto insurance provider by NerdWallet.com (Money Blog).
    • We’ve dealt with AMICA throughout many south suburb communities in Illinois such as South Holland, Lansing, Crete, and Beecher.
    • In 2017 we worked 3 homeowner policies with AMICA and all 3 jobs were paid in full and the adjusters were easy to contact, timely in their adjustment, and most importantly were willing to discuss supplements/appropriate install.
  3. STATE FARM: $$

    • State Farm is probably the largest/most popular insurance provider that we have on our recommended list. We’ve dealt with a lot of State Farm insurance claims and have experienced the good/bad/ugly. We’ve noticed if the damage is evident and is covered within your policy they are a very easy organization to work with.
    • We’ve worked on many claims with State Farm, when the homeowners had no  covered damage (wear and tear), but believed the insurance company owes them a new roofing system. These appointments are often unknown to us when we arrive and we look like a deer in the headlights with the adjuster.

 

Companies we don’t recommend:

All State, Church Mutual, Travelers Insurance

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TIPS: Regardless of your Insurance Provider:

  1. Review your deductible YEARLY! We’ve encountered claims where the homeowner’s belief was not his reality. Due to the influx of recent storms, many providers are shifting to a % of your house value for an insurance claim.
  2. % of your house value deductible: Very much like the tax assessor or county government, insurance companies often OVERVALUE properties, which result in a larger deductible for you. Make sure your home is appropriately insured. There is nothing wrong with being over insured  BY CHOICE or within liability.
  3. See if you have the Ordinance & Law Endorsement on your insurance policy. There is absolute NO REASON to avoid this endorsement. If it raises your premiums $5 to $15 a month it’s by worth it. This endorsement covers everything that must be brought up to current building code or mandated per your town.
  4. Do you have an ACV policy or Replacement Cost policy? You can find this out by looking at your Insurance Declaration page. ACV policy will pay your the Cost of Replacement – Depreciation (Age of your systems) = ACV policy.  Replacement Cost will pay the per date cost of that item. Replacement Cost is superior to ACV. Actual Cost Value Polices are often found on distressed buildings.
  5. If you deal with a claim. Call a trusted contractor or public adjuster. Do not believe that the insurance adjuster is acting in your best interest. Many homeowners don’t understand depreciation. You will need a contractor to assist in the restoration process, so you might as well have them assist in building out estimates and reviewing the scope on your behalf.
  6. The mortgage company might be on the check. Before you get angry or bent out of shape, this makes complete sense. Almost 50% of the homes in the United States are on mortgage loans, which means you DO NOT own your home yet! The mortgage company is an endorser until they’re ensured the work will be completed per scope or by a reputable company. They are vested partners on the property until it’s paid in full.

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We consider ourselves the hybrid model of a licensed contractor. Our staff is experienced in both retail construction and storm restoration. It’s common, for many organizations to be one dimensional and there’s nothing wrong with either. Companies have their niches and that’s what makes our economy so great.  For instances, if the economy slows (recession) this tends to hinder discretionary spending = slow retail market and when there’s no damaging storms (hail, tornados, hurricanes, etc) = no storm industry.

2018 Mock Draft – Home Building Products

Every year products come and go within the home improvement market. We compiled our favorite building products to work with regardless of architectural specifications, current home trends, or style of your home. We drafted them in order of their intangibles: cost, quality, appearance, market availability, and longevity. Our company can stand by all these products due to their varying strengths and the manufacturers track record. If you have questions regarding the products please reach out to TRC (We have a ton of samples/literature) or review the products yourself on their webpage.

Round 1

Home-changing Prospects

  1.   Da Vinci Roof Scape Slate Tiles               Position – Roofing

    • We selected this synthetic product due to it’s unique characteristics, visual appearance, and current lack of market saturation. This product was built to mimic slate/ cedar appearance while maintaining it’s cost advantage over the real stuff. Recommended for premium home builds.
    • Roof Scae.jpg
  2. LP Building Product Smartside               Position – Siding

    • Is LP the stuff with a product recall in the early 00’s? Yes, Louisiana Pacific had issues in the early 00’s, BUT have reformulated their resin and have not had issues in over a decade. In fact, their exterior product is one of the fastest growing siding products in North America. Recommended for premium home builds or vinyl substate.
    • LP.jpg
  3. Royal Building Product’s Celect               Position – Siding

    • The most common siding products in North America is vinyl with the recent growing demand for engineered wood and fiber cement, the vinyl industry created this product. A system that emulates JH and LP appearances, but is much easier for the installer, safer, and maintenance free. This product is raw, but has high upside! Recommended for premium home builds or vinyl substate.
    • Celect Siding
  4. Polyglass Modified Bitumen                           Position – Roofing

    • Polyglass is owned by the largest sealant/coating manufacturer in the world and is headquarters in Florida. This manufacturer has been widely popular in Florida for it’s coatings and quality, but has entered the midwest market. If you have a modular home, sunroom, or commercial flat roof then this product is the ideal selection. With the correct installer this product can carry a 15 to 20 year product warranty from registered vendors! Recommended for commercial projects and sunrooms.
    • Poly glass
  5. GAF Glenwood Roofing System                                Position – Roofing

    • This high-end roofing shingle from GAF manufacturing is one of our favorites due to its overall appearance. It’ll give you’re home a STRONG WARRANTY, but more importantly the Hobbit like appearance. This product has been offered for less than 5 years, but asethically is one of our favorite asphalt based shingles on the market!  Recommended for premium home builds.
    • Glenwood Shingle
  6. GAF Camelot Roofing System                                   Position – Roofing

    • The GAF Camelot’s are the shingle of choice by the owner of Total Roofing & Construction Services, Inc. has on his home. These designer shingles are 50 year warranted products and are HEAVY. If you’re hoping for hail damage on your home these are not the shingles to buy, but if you want to avoid damage then order them today. Extremely durable and have a nice clean finish. Recommended for premium home builds.
    • Camelot.jpg
  7. Owens Corning Berkshire Roofing System           Position – Roofing

    • The Berkshire is equivalent to the GAF Camelot shingle in warranty, appearance, but is a bit more expensive in the midwest market. Recommended for premium home builds
    • OC
  8. James Hardie Siding System                                      Position – Siding

    • James Hardie has been well known of the last decade for their product appearance and as an alternative to the vinyl/plastic market. This Australian owned company has strong warranties and history of product durability.  Recommended for all home builds.
    • James Hardie.jpg
  9. Worthouse Metal Roofing System                           Position – Roofing

    • We enjoy North American manufacturers and distributers for the local economy. This metal roofing system is based out Illinois and has demand growing throughout the world. A great substrate if you dislike asphalt roofing shingles. The warranties about the same as the premium roofing materials previously drafted. We believe the longevity is here, but the appearance of the GAF & OC products are still ahead of Worthouses. Recommended for all home builds.
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  10. GAF TPO Roofing System                                     Position – Flat Roofing

  11. Owens Corning Atticat Blown-in Insulation       Position – Insulation

  12. Sunrise Windows – Vinyl Replacement             Position – Windows

  13. Velux Solar opening Skylight    Position – Windows

    • A high end skylight. No questions about it. Most skylights carry a 10-year warranty. This product does have the 10-year warranty, but it has the ability to opening and close completely off the grid.  Recommended for bungalow homes or second story homes with poor air flow.
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  14. GAF Golden Pledge Roof System with Timberline Shingles  Position – Roofing

    • Most common architectural roofing installed in North America. This is a great pick up with the #15 draft pick. Recommended for all home builds.
  15. Owens Corning Solar Attic Fan   Position – Ventilation

  16. Behr Marquee Paint    Position – Painting

    • We do 5-10 interior home painting jobs a year and continue to swear by these manufacturers. These paints are more expensive, but the coats are much thicker and easier to wash throughout the years. We recommend 2 coats, even if the manufacturers states one coat. Recommended for all home builds.
    • Behr
  17. APA certified 1/2″ plywood  Position – sheathing

    • We recommend tossing the 3/8″ and OSB plywood off your next project. Whether you’re building a shed, home, or roof please go with a 1/2″ plywood substrate. We do not believe installing the manufacturer minimum is worth it for you. Unless you’re installing a Zip system, this should be your homebuilders starting substrate. If you’re in the process of an insurance adjustment, seek the 1/2″ plywood rather than what was installed in the 1970’s! Recommended for all home builds.
  18. Owens Corning Duration Roof System    Position – Roofing

  19. Plygem Vortex Vinyl Siding   Position – Siding

  20. Firestone TPO Roofing System  Position – Roofing

  21. Quality Edge Gutter system with Leaf Relief  Position – Gutters

  22. Plygem Camden Pointe DL Siding System  Position – Siding

    • Similar to Royal Building Products, Plygem is one of the largest exterior building product companies in North America. We believe Camden Pointe is a great pick-up with the #23 pick due to its cost, quality, and available color selections. All styles are available from board & batten, shake, dutch lap, and more! Recommended for all home builds and budget conscious
    • Camden Point.png
  23. El Dorado Stone Façade   Position – Siding

  24. TAMKO Heritage Roofing System     Position – Roofing

  25. Owens Corning Attic Baffles   Position – Ventilation Accessory

  26. GAF DeckArmor   Position – Roofing Accessory

  27. Variform Trim Coil  Position – Soffit/Fascia

  28. Owens Corning ProArmor Synthetic Underlayment   Position – Roofing Accessory

    • Synthetic Underlayment? Spend the $100 to $400 on a nice underlayment that goes under your shingles. Especially if you’re considering the premium products such as Berkshire, Camelot, Glenwoods, and etc. The building specifications still ask for #15 lb. Felt Underlayment in most municipalities, which has been code for over 25+ years! Building products have improved drastically in 25 years, so why not use the the new products? 
  29. Mi Replacment Windows   Position – Windows

  30. Atlas Pinnacle Roofing System Position – Roofing 

  31. Quality Edge Aluminum Soffit System  Position – Ventilation 

 

10 tips to know: buying a distressed property

Fixer upper, Rehab Addict, and other shows continue to romanticized the restoration industry, but more importantly the rental/flip market. These shows make for great television for many reasons such as the alluring before/after process, ROI (return on investments), or being your own boss. Yet our goal is not to poach your wallets or scare you off from potential opportunities, but give you some information that these shows often don’t showcase.

  1. Know the municipality codes, permits, and rules before starting the construction (Flip or Rental).

    Costs associated with permits could go as much as $3,000. There are villages and towns that have a fixed rate (3%) implemented in the overall job cost, while others have set fees per the renovation. However, some towns could and will backcharge you for renovations completed without a proper permit/building inspection (HVAC, electrical, etc.).

    • Advice: Allow your contractor to file for the permits. It’ll much be easier and you won’t have to paper chase the contractor.
  2. Avoid pools and decks

    If possible, avoid both of these property headaches. Both items will raise your homeowner’s insurance policy due to the potential risk, while also increasing the home inspector’s No.2 pencil. We strongly advise against a pool if this is a rental property due to maintenance, upkeep, and potential lawsuits pending worst case scenarios.

    • Advice: If it’s an in-ground pool, fill it in with the demo debris with items such as: deteriorated wood, drywall, and biodegradable items will help slash disposal costs.
    • Swimming pools.jpg
  3. Have a good lawyer (Especially in Illinois)

    THIS IS A MUST, if you are be venturing into the rental sector. It’s common to experience one bad apple during your landlord career. Ask any colleague whose a landlord and we assure you they’ll praise the good tenants as if they’re the second coming. The true benefit’s of a good lawyer are: timely evictions, cut future court costs, and provide sound legal advice.

    • Advice: We advise having state specific attorneys rather than using only one attorney. Due to the intricacies of rental law among states and to provide a checks/balances for yourself (more importantly your pocketbook).
  4. 1st screen the potential contractor’s 

    We recommend choosing the contractors before starting the overall restoration. There are general contractors who will seek 6 to 19 bids to get the lowest possible bid, but we don’t recommend this at all. If you’re flipping this property than you know time is not on your side. Every month of waiting for a bid equals: 1 more month of taxes, insurance, electricity, potential exposure to theft, and vandalism.

    • Advice: Review their trade license’s, insurance (is it active), and verify it with the village. Seek references from family and friends.
  5. Always over budget and add 3 months.

    For a peace of mind simply add 5% to the job cost and expect the project to be finished 3 months longer. We are aware that ROI (Return on Investment) is the reason for getting involved and this new venture is not for entertainment. However, projects can get dragged out due to weather constraints especially for exterior contractors, permitting, unexpected building finds, village inspections, home inspections, rental inspections, and more unnecessary politics.

    • Advice: It may be cost-effective to use a general contractor to manage the 1st restoration for yourself. They may already have pre-screened contractors whom are qualified and do quality work. We recommend shadowing and observing from them.
  6. Homeowners Tax Exemption (Rentals)

    This is the most common thing I’ve learned with 1st time landlord’s is they get bug-eyed after they see their taxes increase in the 2nd year. Often, it’s because the village discovers you do not live there.  If it’s not your “true” residential home and an investment property, you’ll more than likely lose the homeowners tax exemption. I agree, various communities taxes such as Park Forest, Illinois – $7,000 a year) are criminal,  but you should know this before investing. DO NOT TRUST ZILLOW OR TRULIA’S TAX RECORDS.

    • Advice: Understand the tax rate of the town especially if the intentions are renting the property. As previously mentioned with Park Forest, Illinois $7,000 a year in taxes = you’re splitting your ROI with the village.
  7. Know your goal (Rental or Flip)

    “Know your goal?” I want to make money! We mean are you renting or flipping the property? This can change the selection of products, colors, flooring, and exterior products you use. If you’re flipping the property you may install more trending products, but if you’re renting you’ll want to be cost conscience on the products to maximize your return. Also, if you’re renting a property you might get by without replacing items until you have too.

  8. Partner with a Lowes Pro, Home Depot, local building supply, or Menards credit card.

    If you can pay cash great, but you’re leaving a lot points/discounts on the table. The benefits of some of these programs: it’s easy to track receipts and previous purchases, which allow you to uncover your true cost on the restoration. Menard’s and Lowe’s often give a 5% discount on items purchased using their Pro-Cards, which can help you. Keep in mind all these building stores have a varying levels of product quality.

    • Advice: If you follow through on #10 by creating an LLC, than you can obtain a business credit card and avoid future personal credit issues.Project lao
  9. Don’t install appliances until you have too

    There’s no rush to install the appliances! We know you’ll probably be purchasing washer/dryers, stoves, refrigerators, and other premium items, but hold off. Theft is extremely high in renovation units and they’ll break in if $1,000 + of appliances is seen. Even if you have an insurance policy on the home, it’s generally not worth the claim. We know kitchens are exciting to see completed, but honestly if you want to fall within your budget and keep a sound mind, hit the brakes on the appliance installation.

    • Theft.jpeg
  10. Create a LLC. for the property

    If you know your goal is to rent the property then you should create a LLC. for the specific property. Consult with your chosen attorney. This is not uncommon, we know many investors that do this to eliminate potential financial risk from the tenants. A Limited Liability Company can protect your personal assets and avoid this side hustle from ruining your future.

We hope this help’s you a little. If you’re interested in venturing into the restoration industry please contact us at Total Roofing & Construction Services, Inc. or  Emerald Managment   Contact us today because there’s much more information and fact’s to be aware before purchasing property.

Is a Honda still a Honda with a Mazda motor? Roofing systems reviewed by Total Roofing

Every project is different! Whether it’s the location of the property, design of the home, color of exterior facade (brick, siding, cedar), or the homeowner’s intentions. The benefits of being in business for 30 years is knowing that ALL client’s are as unique as their projects ;).  These two reasons alone are why we offer different roofing systems instead of utilizing a single manufacturer (what happens if there’s a recall?).

The benefit’s of our multi-verse manufacturer relationships and product awareness positions us to educate/advise you to make the best decision. We understand it’s not your duty to read shingle reviews, industry trends, or be cognitive of breakthrough innovation, because that’s our job. So, we went ahead and featured our top 3 roofing systems that we suggest and are common for our clients throughout the Chicagoland area/ Northwest Indiana.

1. The most complete roofing system:

GAF Timberline Golden Pledge roofing system: $$

The benefit’s of the “golden pledge” system is its durability, entire system warranty, and being created by GAF’s who happens to be one of the largest producer of roofing product’s in North America.  GAF’s research and development have not only created an industry leading asphalt shingle (1st line of watershed defense), but innovative, top of the market accessories to compliment the system. This roofing system comes with a 50-year non-prorated product warranty, 25- year workmanship warranty, and GAF will complete a review of the installation. The best part only 2% of contractor’s in North America can offer such a warranty.

What’s in system?Clock Master

  • GAF Timberline Shingles
  • GAF Weatherwatch (Ice & Water shield)
  • GAF Deck Armor (Synthetic underlayment with permeability ratings)
  • GAF Starter course, GAF Snow Country Ridge Vent, GAF Cobra intake system
  • GAF Timbertex Ridge Caps (Heavy duty ridge caps)

2017: Total Roofing GAF Timberline shingles roof’s: 45 properties with 0 complaints 

2. A windy location, farm lot roofing system

Owens Corning TruDefinition Duration roofing system: $$

We love the OC Duration shingle because of the Surenail technology (OC Patented) that’s been incorporated within the main component: the asphalt shingle. The Surenail technology strip (show in the photo) reinforces the roofing nails & strengthens the bonding agent by its fabric woven technology.  The 130 mph wind rating with a 6 nail installation is why we recommend this for farm houses, 12/12 pitches, mansard roofs, or properties that are located near wind tunnels. Similar to GAF, Owens Corning offers a full line of accessories that are quality and efficient formulating a cohesive roofing system.Surenail technology.png

What’s in a system?:

  • Owens Corning TruDuration Shingles
  • Owens Corning ProArmor Synthetic Underlayment
  • Owens Corning Weatherlock (Ice & Water shield)
  • Owens Corning ridge ventilation, starter course
  • Owens Corning ProEdge ridge caps

2017: Total Roofing Owens Corning roof’s: 90 properties with 0 complaints

3. Color’s & Transparency

TAMKO Heritage Architectural System: $

What does TAMKO mean? Texas, Arkansas, Missouri, Kansas, and Oklahoma. This manufacturer is located in Joplin, Missouri. We love this manufacturers color options and product transparency with their 30 year product warranty. It’s uncommon to constantly review your roof’s color, unless you strongly dislike the existing one. The benefit of this manufacturer is the well versed color schematics and varying colors from competitors. We thoroughly enjoy this company for not following the industry trend of “lifetime warranties” and standing by their 30 year warranty mark. This shingle has  a 15-year non-prorated product warranty with depreciating after 30 years (which is still a strong warranty).

What’s in a system?

  • TAMKO Heritage architectural shinglesTAMKO pro
  • TAMKO Heritage starter course
  • TAMKO Ice & Water and underlayment
  • TAMKO ridge caps.

 

2017: Total Roofing TAMKO Heritage: 50 properties with 0 complaints

Other roofing system & product’s we install: Owens Corning Oakridge, CertainTeed Landmark Pro’s, IKO cambridge, and Atlas Pinnacle. These product’s all have a time and place. For instance, we will install a number of Atlas Pinnacle in treed lots or near lakes because of their formulated copper granules technology, which deters algae, life organism’s from growing on the shingles (That yucky green moss!)

Our final notes: Keep in mind every contractor offers a varying level of accessories (#15 lb felt – STOP IT ALREADY), but we listed the above system components you should REQUEST INFORMATION ON. Yes, a complete manufacturer systems tend to cost more than a piece by piece system, but trust the manufacturer’s suggestion. They advertise those warranties when you utilize their components, because do you think a Honda would really be a Honda with a Mazda motor?

The last bit of advice,is that these systems are only as good as their installer’s. Do NOT SPEND THE MONEY on these top products if you’re getting a below the industry standard “workmanship warranty” on the installation (Anything less than 3 years is concerning). An analogy would be like buying a Corvette Stingray and not using premium fuel or synthetic oil. That beautiful vehicle will be breaking down much sooner than your monthly payments!

I hope this article may help you or provide some insight,

Phillip Cooper

 

Homewood Deck

Construction is brutal on the environment and our goal’s to combat it.

In separate research by the U.S. Green Building Council (USGBC), the construction industry accounts for 40% of worldwide energy usage, with estimations that by 2030 emissions from commercial buildings will grow by 1.8%. 

Pollution

It’s easy to glance at the statistic’s above and become irked by the overall environmental impact. However, I want to ask you: do you consume plastic water bottles, opt for a plastic straw during a meal, or prefer paper grocery bags? If so, it’s not all your fault, because you are consistently berated by our society that advocates and advertises these “1-time use” product’s from microwavable meals, to-go drinks, and entirely almost all consumer goods. Our culture has indoctrinate us to use and dispose.  So how do we transform our at-home lifestyles to be more efficient, but more importantly how do we assist the biggest offender of all: the construction industry?

I will not speak for the entire industry since there are over thousands of construction sectors and  each varying in their environmental impact. It’s important to understand an oil drilling company is far more detrimental than an owner-installer cabinet-maker, but unfortunately we get segmented together. So where can we start?

3 Tips on how YOU can assist the construction industries impact?

  1. Don’t buy the hype! Our industry has innovative product’s on the horizon such as Tesla’s Solar Tiles, GAF Decotech, PVC style roofing systems, and Celect snap-clad siding systems. Are these more efficient for the environment? They might be, but only if the research studies are accurate (ala Volkswagen).
    • The reason I state “don’t buy the hype” is because no home or business owner needs these products until they NEED a roof, siding, or a product. Ask yourself, why are you making the improvement?  If’s due to a failing product then yes replace it! However, much environmental research showcases the production of gas emissions and natural resources outweighs the benefit’s of these products. This applies towards vehicles as well. Driving an old vehicle until it meet’s it’s life cycle is far better than purchasing new gas friendly vehicles (because the overall effects of production) and radiation of the lithium batteries, which merit’s another article posting.
  2.  This is definitely illegal and you could get arrested. However, if you’re a DIYer or jack of all trades go dumpster diving (figuratively – not literally!). Skip the Home Depot or Menard’s run and visit a dumpster near a new construction home or rehab project. YOU CAN FIND A LOT OF GREAT ITEMS and full sheets of lumber. Waste remains the hardest item to calculate for contractor’s and installers due to the varying difficulty of every project. Most project’s have a 10% waste factor, which mean’s 10% of the lumber, shingles, and etc. are in that dumpster. Do not jump into a dumpster and be cognitive of job-site safety – nails, potential for injury, and possible arrest due to trespassing.
  3. Pollution Hurts us all

Alternatives to dumpster diving

3.  Use your local supply house and builder #golocal!  It’s extremely common for the Chicagoans and Northwest Indiana areas to have contractor’s from Texas, Oklahoma, or fly by nights crash our local storms. How does this makes sense? Seriously? What’s the true benefit’s for your environment, the local economy, and assurance in their WORKMANSHIP. The most expensive project is the one you do TWICE. Does a company from Nebraska iinstalling an unfamiliar product make sense? I can assure you that the second go-around in production, waste, and cost of a second roofing system in 10 years could be avoided. You should be getting 17+ years in the midwest from an asphalt shingle roofing system. Unless you fly to Iowa every year to visit your dentist, trust the local contractor’s, and please get 3 local bids. Save the environment the redundancy and potential landfill waste.

So what’s Total Roofing & Construction Services, Inc. doing for the environment.

I assure you we are not saints nor pioneer’s for the environmental movement, . However, this does not mean we are ignorant and unmotivated to make a difference. In the last 5 years we’ve made significant progress in identifying our industries voids and where we can make improvements.

  1. Renovated Lighting System
    • This winter we replaced the entire Total Roofing & Construction Services, Inc. headquarters with “High Energy efficiency lighting. We invested in over $20,000 in overhauling the entire property with these bulbs. The new bulbs will cut our energy consumption by 20% (as per their salesman).
  2. Digital/CRM – paperless transition
    • We cannot say that TRC is one of the “hip” paperless companies, but our processes are much-less paper focused.  We decreased the amount of product literature for homeowners and only order it on a per need basis. In addition, we are in the process of implementing a commercial sized recycling container on-site for paper and cardboard for the community of Dolton (May 18). Waste.jpeg
  3. Fleet improvements In 2017, we worked in the following states: Michigan, Wisconsin, Illinois, Florida, and Indiana. Everyone from project managers to installer’s traveled far and wide to ensure our customers stayed dried. Driving result’s in gas consumption, rubber (tires), and more. Whether we run product’s to job sites, completing estimates, chasing local building permits, or traveling for safety training we realized this is a HUGE EXPENSE on both the environmental and the pockets EXPENSE.
    • Fleet Retirement: Our president has done a great job by using a vehicle to its fullest and it’s common for a truck to hit 200,000 miles in our fleet. 200,000 miles in the construction industry are tough miles from towing, hauling, and more. However, our goal is to replace each truck with an “Eco-Boost Ford F-150” or product similar for our installer’s. These vehicles get better gas mileage and are more efficient than older models.
    • Transits: In addition, last year we began our transition to Transit model vehicles to ensure higher mpg. The transits allow us to save 5-8 mpg when you’re chasing down a permit or bringing over material.
    • Trailers/Dumpsters: We’ve had the same dump truck for over 17 years and it’s still running. However, we’ve used roll-out’s for residential job’s for a long time and realized it’s time to transition to pull dumpsters. One less vehicle is making 2 trips (Dumpster company) and we can haul material’s on the way to the job. A trailer’s only downfall is the tires and weight capacity on the roads

 

4. Local Loads Our goal for 2018 is to order from our closest alliance supplier in the area. The differences of $10 to $30 per a load will not outweigh ordering from a the local supplier. We believe the supplier’s proximity will ensure higher customer service, less wait time on material, and unnecessary driving.  As our business grows throughout the Midwest this is critical! Last year we had suppliers ship from Northwest Indiana to Lafeyette (2 hour drive) with over 4 ton of roofing supply. This must change and we believe our partner system will allow this.

5. Job take-off (Waste calculations) We continue to use satelite take-off’s, drone’s, measurement tool’s, and hand taping products to ensure a job’s mean of square footage. These various tool’s allow us to avoid making as many trips to a large condominium or multi-family property (less gas). These product’s allow us to ensure proper measurements and waste calculations. Waste calculations are central to the business for the purpose of unnecessary waste!

6. Product quality: This is the biggest item have elaborated on and believe is critical for success and sustainability. Installing better product’s ensure less callback’s and longer lasting product’s. It’s true, every job has it’s various way’s to cut corners to make a price work, but we’ve realized labor & product are not those items. Unfortunately, this mean’s we won’t be able to service all customer’s, but it does allow us to be confident in the systems we install. That’s why our staff is free to bring up any new products or learn about the innovative products. If the product’s will enhance our customers experience we will advise it.

7. Shingle Recycle: We recycle our asphalt shingles & detriorated wood. These items get reused and installed back on our road system!

Northfield Saltdome

Maybe you own a construction company or have ideas as well, let us know! We’d love to hear more ways we could eliminate our footprint on the environment, while ensuring your home is protected for the next century!

 

Some research studies to review:

Environmental studies on roofing systems:

Clay Tiles vs Green Roofing systems:

 

 

 

Roofing the game! The 1st edition!

Your first roofing project bid: here’s the scope!

  • A new roofing system on a 200 sq. foot heated garden shed.Garden Shed
  • Products to be installed: GAF roofing products and a Timberline roofing system (GAF.com)
  • Must purchase material from a local supply house (http://www.55buildingsupply.com/)

Your client’s contractor’s check-list:

  • Must be installed within 1 day and not one drop of leftover debris
  • You cannot drive up to the shed and hand carry all equipment/material
  • Believes the companies employees should emit professionalism by being clean cut and company clothing.
  • Employees should also have a 2019 Ford 150, lettered truck
  • They should receive a 100 year workmanship warranty upon completionClock Master
  • Will not pay the remaining balance until they see fit
  • Must be a BBB company (bbb.org) and be preferred contractor from GAF.

Welcome to the roofing industry! 
Time to start your bid!

A few OSHA rules to know before:

  • Must have a safety-supervisor, in addition to a foreman  (Or possible fine)
  • All installer’s are to be roped off during construction (Or possible fine)
  • There must not be slack for each roofer more than 6 feet (Or possible fine)
  • Ladder must extend 3′ past the roof line and be tied up. (Or possible fine)
  • Entire premise free of hazards or potential miscues on the ground (Or possible fine)
  • On-site restroom facility must be available (Or possible fine)

Local laws/building codes:

  1. Registered and licensed within community/town (Or possible fine)
  2. Passed state roofing license exam  (Or possible fine)
  3. Have workman’s comp, appropriate bond, and insurance in place. (Or possible fine)
  4. Filed for your roofing permit (Or possible fine)

 

Now turn in your competitive bid 

(It must be below $100.00 or they’ll have their neighbor do it on Sunday).

 

 

 

 

 

Quality Contractor > Quality Product

Selecting the right contractor is far greater than the selecting the right roofing system or any service oriented systems (HVAC, flooring, etc.). Face it, installing a roofing system requires over 1,500 nails and 10 different accessories (Ice and water shield, ridge cap, chimney flashing, caulking/sealant, ventilation, underlayment, starter strip, drip edge, exhaust vents, soil stacks, and more!) all be intertwined, forming an efficient roofing system. And you and I can both agree, if those high-end architectural shingles were not installed correctly, we guarantee you’ll be seeking another contractor with the hopes they can preserve those $2,000 high-end shingles.

Informational

Unfortunately this is an ordinary circumstance

This situation is far more frequent than you would think. I would say 20% of all homeowner’s will bring up their previous contractor’s mishaps or inability to deliver on their promises, which led them contacting us.  So, our first recommendation to you homeowners, please perform your due diligence in thoroughly researching these professionals. The great thing about today’s economy is the internet.

Why is this important? This is important because the average roofing system last’s 17-20 years in the midwest. So, if you hire a qualified contractor to install “lifetime shingles” or the equivalent shingles you should be worry free. Even though the materials have active manufacturer warranties, we still recommend performing annual inspections or “roofing oil changes” to help preserve the existing material. We believe due to the unknown nature of the weather and normal aging this help’s prevent pre-emptive deterioration.

However, if you’re in the boat with “Jack the roofer and his friend’s” or “the Texas straight talker” did your roof in a recent storm, then 20 years might be cut in half. In addition, a lot manufacturer’s won’t warranty the first roof because of the negligent install or the original contractor is out of business (over 70% of roofing contractor’s are out of business in 3 years).

DCIM102MEDIAMAX_0100.JPG

So what does the industry do to help you?

  1. The leading roofing manufacturer’s provide accreditation and “pro-level” certification’s to approved contractor’s that abide by their (manufacturer’s) install methods and have adequate up-to date liability/license insurance. Almost all manufacturers offer contractor plus programs: Owens Corning, GAF, TAMKO, IKO, CertainTeed, and Atlas (TRC are certified if you’re curious 🙂
    • What’s does this mean for you? The manufacturer is pre-screening your local contractor’s and will list them on their website for you consumers. Additionally, some have their own review page such as GAF MasterElite contractor’s will have a GAF manufacturer representative follow-up with the homeowner and complete a 40-point roof inspection.
  2. Accountability: another great reference sheet is to call the local building supply houses & distributor’s that the contractor uses.
    • What does this mean for you? Request from the potential contractor a supply houses list. A supply house often is honest to inform of known shady practices or if the contractor has any outstanding balances. We do recommend being cautious of the suppliers trying to flip “their” contractor’s your way, but this reference could protect you from a future lien situation.
  3. Know your states rights. A lot of states offer you “homeowner’s right to cancel a contract” up to 3 business day’s. The length and circumstance varies among each state, but this does give you leeway to jump ship.
    • What does this mean for you? This provides you an opportunity to jump from a home remodeling contract within 3 days of signing it. However, you must notify them promptly and most ethical contractor’s will void a contract (even past the 3 days).

We hope this article will help in your roofing system endeavor! A lot of these basic principles are common throughout all service industries, but could possibly save you a lot $$$$$$ and headaches. Remember whether it’s plumbing, windows, or carpet most manufacturer’s offer accreditation programs to help separate the cream of the crop installer’s for you. We understand it’s easy to get sold by charm, but as the great GE CEO Jack Welch alway’s said “Trust Your Gut.”

 

NBA free agency is similar to Roofing free agency.

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NBA, NBA, NBA is all we’re hearing this week. Whether you’re on Twitter, Facebook, ESPN, NBC, or chatting in the office. We are on the cusp of our country’s day of birth and it seems the NBA wild west of free agency has overshadowed the conversation. This led me to thinking.

NBA free agency =Roofing free agency? Similarities?

NBA free agency is exceptionally similar to the spring time for roofing companies. A lot roofing companies generally use subcontractors for their work. It’s common. Owner’s generally want to avoid liability, insurance issues, healthcare, avoid training, and etc, so if they can outsource the work they decrease responsibility and save time, not necessarily cost. Many roofing companies seek out roofing crews for Spring, Summer, and Fall work after the snow break. However, not all companies do this. For instance Total Roofing and many proven companies can claim our professional crews who’ve been with us for over 20 years and then some. However, we understand why organizations love subcontractors. There’s many benefits to using subcontractors. This is similar to signing a mega superstar rather than drafting young talent and fostering the talent.

Face it, you’re hiring an individual (at least expected) that can perform the work demands or required craftsmanship. Instantly, roofing organization forgos the need to train a young apprentice, avoid the learning curve/rookie mistakes (mistakes happen), and provide the necessary trade tools. You pay for what you get. That same goes for the NBA. Why hire the services of a 21 year old recently out of college with one year of experience, and has many questions about his game? Especially, when there’s a 28 year old with four years of playoff experience and has proven 3 point shot? You want to eliminate the question marks and be assured of your ROI. Same goes for a roofing crew.

For instance consider the Los Angeles Lakers. This organization is in a state of chaos. They have a small amount of young talent budding in their organization and an aging star who wants to win now (who doesn’t want to win though?). So, the Laker’s chase after LaMarcus Alridge. An under 30, proven NBA superstar, and is in his physical peak for NBA careers.  You acknowledge he’ll give you 20/10/2 a night (points, rebounds, blocks) because of his work log (past seasons) and your team lacks a presence like him. Factor in that the organization is in a WIN-NOW/produce mentality and Laker Nation will shell out the big bucks.

So, they most certainly shell out the big bucks for his presences.

Now flip back to roofing. Roofing companies are as only good as the services they provide and if you have a lackluster crew, you’ll have a poor final product. Instead of the summer meetings, we have our spring meetings. Generally a foreman or leader of a crew comes in to inquire about work.  Well, why did they leave? Ask questions, questions, question, and more questions to the roofers and to your staff. NBA teams complete analytics on their opponents, themselves, market, and almost as much research than NASA. So you’ll have to do the same as roofing company. Ask your company, how long do I want to be competitive? What type of service am I providing? However, if a roofing company was in the same position as the Los Angeles Lakers, we would all recommend the same. Sign young talent, train them, and build a culture. For the longevity of the business that makes the most sense. Unless your organization has the stance of maximizing that particular year then go for the big fish.

Questions for those subcontractors (Basketball free agency questions.)

Why are you no longer with ABCDE roofing company? (mgt woes, bad ethics? Chicago Bulls, Toronto Raptors?)

What type of products are experienced in? ( Left handed, right handed, shooting off the dribble, what was your role?)

Do you have an address list of jobs you’ve completed in the past? (College resume/statistics, championships)

References? (Coaches, GM’s)

Expectation for salary? (Five year max deal, Player option)

After every signing everyone believes they made the best relationship. Face it, with the resources you had and the research you completed the decision made sense. The same goes for roofing. We use the best information we have and the factor in the direction our management is trying to go. However, with roofing companies we can proudly say we aren’t giving out 5 year $140 million dollars for the services of one person. Our industry is slightly different in regards to the salary cap. Would we love to have a set salary cap and the ability to compensate our hard working installers with millions of dollars, of course! Our team signings won’t receive the NBA type of publicity until we have a roofing television channel, partnership with Dunkin Donuts, and roofers starring in the next “Entourage” movie. So stay tune for the Spring of 2016′.

If a roofer was stranded on an island…

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The five most important items for a roofer.

  1. ENERGY DRINK/COFFEE/CAFFEINE
    1. Dunkin Donuts phrase  “we run on dunkin” is right on the money! Now we’re not pushing one type of coffee over the other (Don’t get offended Starbuckers), but it’s well known DD already has the “average joe” coffee market share.  We don’t know many roofers grabbing a triple whip americano with extra soy and a hint of cinnamon. However, as much as we love coffee it takes second to
      Unleash your beast!

      Total Roofing loves Monster

      Monster, Red Bull, & other drink that uses terms such as Voltage, Shock, Heartattack, Gorrilla Blood, or Warhead. This extra boost gets the day running for ALL. There’s no better way to start that 6 am shift then with a high-cranking energy drink!

2. QUALITY TOOLS  As skilled as most craftsman and roofers can be, you still need the appropiate tools. Tools such as magnetic sweepers (clean up those roofing nails that surely will puncture your tire), roofing hackets, blades (a dull blade helps no one), and more. These items depreciate quicker than your car, but are as important. For the journeyman or everyday roofer invest in quality tools. This will be the best investment you can make. They’ll make your job easier andHow can you roof 10 square in a day without an air compressor or hammer? Preparation allows you to be prepared to be your best. When you have the tools to succeed, you will.

Our Suggested Roofer Tool Brands:

Dewalt      Hitachi      Stanley    Bosch    Milwaukee

3. A RADIO A roofer can expect 8 to 10 hours of physical work throughout the day. However, what about his mind? One may assume his mind should be focused on the task at hand, which it surely is, yet what about the in-between? Material clean-up, job set-up, lunch, moving material, and switching blades allow individuals time to tune out. The radio has been intergal to the everyday blue-collar construction worker since it’s inception. Seriously, there’s a station for everyone regardless of ethnicity, gender, and even religion! Do you enjoy sports? ESPN 1000 talk radio. Are you a political man? Rush Limbaugh (So crazy, you listen). How about everyday pop culture? Eric & Kathy on 101.9. This instrument is vital to the job of a roof and crew morale.

4. Plans for the weekend Roofing is not easy. It’s phsyically draining and tough work. 50 hours of honest work makes you want to imagine a beach with a corona with dolphins in the background.  Yeah seeing a project go from the before to after is great and motivating. However, I can assure you throughout the week of working, talking, and listening to the radio, plans for the weekend are being discussed. Sure, the idea “Why would a roofer on a stranded island talk about the upcoming weekend?” You don’t know roofers. We enjoy our weekends and there as necessary as water.

5. A nice lunch cooler. Sure a Big Mac and fry sounds delicious after 5 hours of lifting, pushing, sweating, and installing those shingles. However, I can assure you not every roofer is eating out and living off fast food during the week. We’ve all had some form of finance education whether in school or the hard knocks of life. The average fast food meal runs about $8 a day and let’s say you work 5 days a week. Within a 5 week month you spent $200. I’m no mathmatican, but the cost for sandwich meat, loaf of bread (easily two weeks worth), cheese, and snacks will run you $100 or less! In the midwests seven month roofing calender year that’s a savings of $700. Here’s a few things that cost $700

55″ LED SMART Television                    Two Round Trip Tickets Southwest Airlines

The cost of making lunch and eating out every day is this Smart TV. Jimmy John's Freaky Fast sounds good, but so does watching Ricky Bobby go Freaky Fast in the Legend of Ricky Bobby

The cost of making lunch and eating out every day is this Smart TV. Jimmy John’s Freaky Fast sounds good, but so does watching Ricky Bobby go Freaky Fast in the Legend of Ricky Bobby

Fly anywhere or continue eating Burger King?

Fly anywhere or continue eating Burger King?