2018 Yelp Award Winner

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Academy Roofing is pleased to announce that we’ve been honored to receive the “2018 People Love Us On Yelp” Award. “This is an extra special honor because it is earned by trust and a strong commitment to get the job done right.

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Emergency Tarp Installation

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When water damage, storm damage, fire, or other disasters occur on your property, you’ll need to act fast to protect it. Deploying an emergency tarp, or other temporary roofing, on exposed areas of the roof and exterior walls, can be an effective form of protection if done properly.

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Air Barriers and Vapor Retarders: The Current Conundrum in the Roofing Industry

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One of the primary purposes of a building envelope is to keep moisture out of a building. What makes this difficult is that water comes in many forms and can take many paths into a building. Therefore, building designers need to account for bulk water, capillary water, air-transported moisture, and water vapor, and deal with […]

GAF Timberline HD Series

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GAF’s Timberline HD architectural shingle series is a great option to elevate your home’s curb appeal. Shown here in this distinctive pewter gray shingle color, it’s a great option to add beauty and value to your home. @gafroofing #GAF

Roof Repair Technicians Wanted

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We are growing and looking for Experienced Roof Repair Technicians. If you have at least 3-5 years experience in the roofing industry and are looking for a friendly stable work environment, we have a spot for you at Academy Roofing.

Is your Roof in Good Hands?

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Here is a tale of two roofing stories.

Academy Roofing recently experienced first hand how homeowners are not in good hands with Allstate. Especially since the recent hail and wind damage storm.

Story # 1

The first story begins with an elderly lady who called our company because one of her neighbors recommended Academy Roofing. The homeowner knew that her roof was getting up there in age and wanted an estimate to replace the roof.

As usual, we checked out everything and began measuring when we noticed immediately that roof had severe hail damage. Not the kind of hail damage that one has to squint to make out but this is the kind of training material to give as examples of hail damage to shingles. This is the kind of damage to shingles that you find when one simply does a google search.

Read more

Roof Maintenance

 

Mother Nature Never Rests! Should You?

Extreme weather, animals, leaves, falling debris, satellite or cable work, accidents can cause immediate and serious damage to a roof – even a new one. The National Roofing Contractor’s Association recommends that roof inspection and maintenance be performed regularly to help avoid future problems. Read more

Demolition (DMO) vs Roofing (RFG)

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How insurance companies underpay on roof claims.

Insurance companies use a program to estimate damages to your property called Xactimate. This program is owned by Verisk Analytics whose parent companies include Travelers, AIG, & The Hartford. In other words, the insurance companies own the software program for which their adjusters write estimates for claims. While there could be many conflicts of interests involved here, we are going to focus on a big one that affects the roofing industry.

Xactimate’s default for removal of any trade is under the category code Demolition (DMO). Demolition requires the utilization of a separate crew of non-specialized laborers for removal. Non-specialized laborers would be considered day laborers who are uninsured. Xactimate assumes roofing companies use two different crews throughout the process. This is an incorrect assumption.

Roofing companies do not use two separate crews when replacing the roof. They do not use uninsured day laborers to remove the existing roof and then another skilled labor insured crew to install the new materials. It is the law to have workers compensation. The same insured skilled labor crew is used for both the removal and installation. Xactimate list skilled insured labor as (RFG) as a trade.

So, why does Xactimate default to demolition day laborers (DMO) when insurance companies know the truth? The answer is simple. Money.

Here is a screenshot of the line item for 3 tab 25-year shingles where they have it defaulted to DMO. The unit price for removal using their default day laborers is $44.73.

When the removal trade is changed from DMO to RFG the price increases significantly to account for using skilled labor with general liability and worker’s compensation. Here is what that looks like. The unit price for removal changes from $44.73 to $108.36. That is a difference of $63.63 on this one line item.

To put this into perspective, if you have a 4,000 square foot roof that needs to be removed, by the default being DMO it saves the insurance $2,545.20 on this one line item. This is just one line item where it defaults to DMO. On the average claim, there are five to six line items where it defaults to DMO.

What did Academy Roofing’s Insurance Agent say?

Academy Roofing has discussed this issue at great length with our insurance agent and there are a couple issues that they have stated.

“Concerning General Liability: Most policies for a general contractor do NOT provide coverage for any sub-contractor that does not have workers comp and general liability insurance. It’s a requirement of the general liability contract for any and all sub-contractors to carry coverage.

Concerning Workers Comp: Workers comp auditors count as roofing any person as a roofer if they are on a roof at any time during their occupational duties. You cannot count them a demolition because of the height issue, which you cannot avoid or ignore. Furthermore, by trying to get a contractor to classify roofing as demolition is tantamount to FRAUD because this contractor will have to LIE to an auditor to have this work rated as demolition instead of roofing. The rate for Roofing is 103.74 compared to 29.41 for debris removal. This is sticking a contractor with an additional charge of $74.33 for every $100 they pay to these laborers.”

What is the solution?

Have your contractor submit a supplement to the insurance company requesting they change the default DMO to RFG along with a letter from their insurance agent.

This might take multiple attempts talking to your insurance adjuster or their superior as many adjusters aren’t aware of the conflict of Xactimate defaulting to DMO does to the claim. However, be resilient and don’t let up. Hopefully, in time, they will correct this error within Xactimate and stop defaulting to demolition day laborers.