Have A Question?
With our years of experience, we've built a knowledge base that our customers come to rely upon. Please see below for some common questions and answers.
Q. Can I have my roofing system built during the colder months?
This is the most frequent misnomer in the roofing industry. Lets preface this question by saying that Cardinal Catastrophe Services is one of a handful of companies who belong to the National Roofing Contractors Association. We bring attention to this because the NRCA sets roofing codes and standards Nation wide regarding "best practices" as far as residential roofing installations. The NRCA mandates that a roofing system should not be installed when the weather is 40 degrees or less. The most common issue people think about concerning a colder weather install is that the roofing won't seal or will have adhesion problems. This is not the case. The adhesion has little to do with the colder weather as mother nature will eventually do its job. Even below freezing, your roofing system will adhere or "cook" when the sun is out. Temperatures less than 40 degrees often times may cause shingles to become brittle and they will crack or break when shooting a nail through the nail strip. Think about times you accidentally bumped your trash can when its cold and it cracks or breaks. Same idea here. Moreover, roofing is actually significantly less labor intensive when the weather is colder. The shingles are roughly 70% easier to tear off, which is the most labor intensive aspect of building a water-shedding system. Ask any installer and they will tell you they prefer a colder weather install. Safer and easier.
Q. I hear my neighbors are getting their roofs for free without paying deducible or pocketed money from their claim. Is this against the law?
Yes it is, in most States.
In Illionos: August of 2011, Governor Quinn signed into law Public Act 97-235. The Act takes effect on January 1, 2012, and is aimed at protecting consumers faced with a catastrophic loss from contractor abuses at a time when they are most vulnerable.
As it states: "...Prohibits a contractor from accepting to pay or rebate all or any portion of any insurance deductible. Contractor may not advertise or promise to pay or rebate all or any portion of an Insurance Deductible as an inducement to get the work.
A contractor offering home repair or remodeling shall not advertise or promise to pay or rebate all or any portion of any Insurance Deductible as an inducement to the sale of goods or services. As used in this Section, a promise to pay or rebate includes granting any allowance or offering any discount against the fees to be charged or paying the insured or any person directly or indirectly associated with the property any form of compensation.”
In fact you may hear or encounter a "Storm Chaser" (high pressure sales people and/or companies not local, who are working in your town due to easy sales due to storm damage) or one of several brand new "Storm Companies" who say they understand how to handle your insurance claim (see Why CCS page-Generalist and Specialist). Nearly all do not carry the proper legal insurance(s), bond, nor roofing credentials required and certainly are not experts in dealing with insurance claims. Several of these new companies were previously in the construction business (home framing, cement, handy-man services, new home construction, Etc.) specializing in some other area and started doing insurance roofing/claims due to the poor economy. Once the economy rebounds, these types will back doing their normal area of expertise, not insurance claims. Furthermore, many will offer you a "Free roof" without paying your deductible as advertising by placing a yard sign in front of your home. Some will offer cash or offer to invoice the insurance company for amounts greater or above and beyond the scope of work they are actually doing and split the extra insurance funds with you. This is insurance fraud and people DO go to jail for this. When dealing with one of these companies, ask yourself, if this company is willing to break the law, how will they handle my warranty should I encounter an issue down the road? Where will they be in a year?
Q. How do I know if my roof has problems?
In most cases, roofing problems are discovered after damage has occurred from a leak. However, not all leaks produce visible damage immediately. Some leaks can occur for up to a year before showing any signs of damage. To avoid this hidden problem, it is important to have your roof inspected every spring. You may see excessive granules running down the downspout, shingles in the lawn, missing or creased shingles on the roof.
Q. How can a homeowner prevent roofing problems?
Once a year inspections can discover cracked, warped, or missing shingles, loose seams and deteriorated flashings, excessive surface granules accumulating in the gutters or downspouts, and other visible signs of roof problems. Indoors, look for ceiling stains, cracked paint, discolored plasterboard, and peeling wallpaper as sings of damaged roof areas.
Q. If my roof leaks, will I need to have it totally replaced?
The Cardinal Catastrophe's Project Manager you are working with will tell you the truth. Some roofing leaks can occur because some flashings have come loose or because a section of the roof has been damaged. A roof failure, on the other hand, is generally irreversible and occurs from a large portion being damage by a hail or high winds. It is the insurance company responsibility to replace “like for like” product while replacing the roof in its entirety. Cardinal Catastrophe Services does all the leg work for you.
Q. Can I just do the work myself?
Roofing work should not be a do-it-yourself project. Cardinal Catastrophe Services install teams are trained to safely and efficiently repair or replace a roof. Do-it yourself-ers can harm a roof with improper roofing techniques and can harm themselves by falling through a roof even falling off a roof.
Q. What are my options if I decide to re-roof?
The best option is to completely remove and replace the entire roof system.
Q. How long should my roof last?
The life of your roof depends on a few factors-roof types, pitch/slope of the roof, ventilation, installation, maintenance, and weather. As a general rule of thumb, basic three tab fiberglass shingles last 15 to 25 years. Flat roofs generally last 5 to 15 years. Roofing product manufacturers offer a variety of warranties on their products. Take a close look at those warranties to see what responsibilities and financial obligations they will assume if their products fail to reach their expected lifetimes. A shingle manufactures warranty is a limited warranty.
Q. What is the best time of year to have my roof replaced?
Any time is a good time. Roofing materials are safe to install year round, weather permitting.
Q. What will a new roof cost?
At Cardinal Catastrophe Services your roof will cost your deductible (unless you choose upgrades). Prices of a new roofing change widely, depending on the material to be replaced, size of the project, layers, pitch, and several varying factors. We work all these details out for our clients with your insurance company. Most insurance companies use Xactimate estimating software for setting price. We honor Xacitmate pricing.
Cardinal Catastrophe Services, Inc.
214 Hillsboro Avenue
Edwardsville, IL 62025
3008 Sutton Blvd., Redbird Suite
Maplewood, MO 63143
Illinois Roofing License No.:
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