Join us in an enlightening episode where the complexities of insurance claims for storm damage are unpacked with the help of Dave Hart from Roof Savers of Colorado. As Colorado’s storm season rolls in, many find themselves grappling with a slew of insurance questions and potential pitfalls, all of which could impact your home’s future. Dave digs into the proliferation of fraudulent door-knocking salesmen and what steps homeowners should take to evaluate their own storm damage before contemplating a claim. As risk assessments become more rigorous, understanding what a claim means for your insurance rates is crucial. We explore
SPEAKER 01 :
Walter? Upstairs! Are you alright?
SPEAKER 03 :
In the floor behind the chair.
SPEAKER 04 :
This is America.
SPEAKER 01 :
Does everybody know what time it is? Fix It Radio.
SPEAKER 08 :
And it’s Fix It Radio, KLZ 560. It is a live program today on Saturday, May the 31st. So if you’re listening to a replay show, you know what day we actually did the show on. Beautiful day here in Colorado, although we’re not out of the woods yet when it comes to storms and things along those lines. Larry Unger with me today. Normally he’s answering phones, but he’s on this side of the glass today. So good morning, Larry.
SPEAKER 06 :
Glad to join
SPEAKER 08 :
john charlie grimes of course with us dave hart joining us as well from roof savers of colorado and partly why we wanted to have dave on is as i said a moment ago dave we’re not out of the woods i had eve just a teeny pea-sized hail at my place last night lots of rain there’s been all sorts of storms that have come and you know come and gone throughout really this kind of entire front range area and looks like we could even have a little bit more early to mid next week
SPEAKER 09 :
Yeah, so I’m seeing the same thing. We’re just basically kind of getting the storm season started, so it’s going to be interesting to see what happens. I mean, even the storms we’ve had recently have been kind of goofy. You will get a couple days here and there, but it’s been kind of like a back-to-back. Exactly. At least since last week. It’s great for the grasses and the trees. Yep, everything’s green. All the rain stuff is beautiful. It’s green, yeah.
SPEAKER 08 :
It’s great until that white stuff falls or the winds get heavy and you have tornadoes, things along those lines. And this is where we want to have you on, Dave, because we had you on this past week on my other program, on the daily program, Rush to Reason. And I even had some text messages that were following up after you left, verifying all of what you and I were talking about. And what I want to get to here is the simple fact that You have to be careful with whoever comes up and knocks on your door, and I’ll let you explain some of this, but I had a texter even that followed up after you and I were on the phone the other day on the radio and was saying that in some cases even these guys will pretend and act like they’re from your insurance company. Yes, they will. And they are not. So, Dave, I’ll let you explain that instead.
SPEAKER 09 :
Yeah, and I’m not quite sure. I have come across that a little bit over the last few years, and I’m not quite sure how they approach that, but I know they do. I don’t know if there’s some kind of a list of certain carriers. There are people who are assured by it. They wait, hey, I’m with State Farm, yada, yada, yada. I think there’s a lot of that that’s going on, but I have come across that a lot over the last five, ten years, and they’re doing anything they can to get you in an agreement to do that work. And what’s crazy is it’s even going on on roofs that don’t have any damage. You know, some of these door knockers, and I’m not trying to put the door knockers down as such because there’s a lot of good companies that utilize that business model, and they’re very honest with it. But the majority are not, especially during storm season when a lot of out-of-staters come. But, yeah, don’t tell the customer that the roof is hammered. and we’ll go look at the roof after that, and there’s nothing wrong with the roof. Just to roll that dice, and we can kind of get into that later if you want to, to see if the insurance company will pay for that roof, and that’s all it is.
SPEAKER 08 :
Well, yeah, and what they’re doing there, Dave, and we can talk about it right now, because I think what they’re banking on is if there’s a widespread storm, a lot of insurance companies, let’s just face it, Dave, may not be as diligent as they would. They can look at storm patterns and storm tracks and you know you know how it is you know you could have a house you know in on one side of the street that you know all of them are wiped out and the other side of the street there’s nothing wrong well unless an insurance company is actually out there verifying all of that you know one house is is hammered in the one across the street well who’s to say in the insurance company’s eyes that it’s not as well so they look at some of that depending upon how diligent they are or aren’t yeah you could very well get by with you know turning in a claim on something that’s really not damaged
SPEAKER 09 :
Yeah, 100%. And we see it all the time. We’ve replaced many roofs over the years. We don’t promote that, but also if the customer wants that roof replaced, they’re getting money out of the insurance company for it. I’m not going to turn the work down either, but we do see it a lot where those roofs don’t have damage and they’re getting paid for. And I think a lot of that over the years is partly due to where we’re at today with our rates and Yep, and that’s ending.
SPEAKER 08 :
A lot of that is ending, and I think that’s where, you know, point of having you on is, A, let’s do a little bit of training so folks know exactly how this works. B, you know, minimize, you know, and this is something I don’t think most people realize, minimize those claims because the one thing, and we did talk about this this past week, is insurance companies, for all of you listening, and you may already know this. You may not. Some of you do know this. Those of you that are in business know this full well. but insurance companies have what they call loss runs, and it’s on every single person out there, and they can look up and say, okay, let’s look and see exactly how many claims Larry Unger has had on his home, and they can go back about 10 years or so and look at that and say, okay, well, Larry did a roof five years ago, or Larry did this, or Larry had a slip and fall, or Larry had a contractor that fell off, or, or, or, Dave, I can go down the list, and they look at all those things, and trust me, folks, A lot of what I’m saying has a huge bearing on not only A, will you get insured, but B, what will that price be if, in fact, they insure you. Am I right, Dave?
SPEAKER 1 :
100%.
SPEAKER 08 :
There is a cost for it, absolutely.
SPEAKER 09 :
It’s a risk assessment.
SPEAKER 06 :
And doesn’t the deductibles go up for that?
SPEAKER 08 :
Yeah, well, yeah. In fact, if some of them agree to insure you, let’s say, for example, you’ve had a claim and you find somebody that’s willing to insure you or maybe it’s even your current provider. Frankly, a lot of them will just drop you and you’re off trying to find somebody else. But, yeah, to Larry’s point, Dave, the other thing that they’ll do is say, yep, we’ll insure you, but your deductibles are going to be double or triple what they once were. Exactly. And you don’t have any choice because we’re not going to allow you to have anything lower than that. Because, again, they’re looking, to your point, Dave, they’re looking at the risk assessment side. So where I’m going at this with you is, and I say this all the time, before, if you think you’ve had some damage. I don’t care where you’re at. I don’t care whether it’s from winds, if it’s from a tornado-type situation. Maybe it was nearby. Maybe you did lose a few shingles. Maybe you’ve had some hail. You really can’t tell how bad it is. But my point, Dave, is instead of calling the insurance company, which is the normal thing most people do, oh, I want to turn a claim in. Let’s get the adjuster out here. Let’s figure out exactly what’s going on. My theory on that is, and I do this even on automobiles where there’s a fender bender or something like that. I’m not going to the insurance company first. I’m going to find out on my own exactly what’s this going to take to get repaired. And I think people on their home should do the same thing with you.
SPEAKER 1 :
100%.
SPEAKER 09 :
And I’ll touch on that real quick, too, but back to the door knockers. I just want to remind people. Somebody comes to your door, you didn’t invite, do not sign anything in any way, shape, or form until you get closer to the end of that process. So just please remember that. There are a lot of things that you don’t even know about. Absolutely.
SPEAKER 08 :
And really quick, Dave, too, and I’ll be harsher on this than you. Here’s my theory on that. Unless it’s you, unless they’ve called you and they’re having you out, having just somebody come by door to door looking at your roof. My feeling on that, Dave, is I want the homeowner or the customer to be in charge. I don’t want them to be at the mercy of somebody going door to door. So my theory on that is, you know, guys, you can be nice. You can be polite. You can. choose to not answer the door. But you could also say, listen, I’ve got my own roofer. I’ve got a guy that I follow. He’s on the radio. He’s very knowledgeable. That’s my guy. I don’t need any of your help. Thank you very much. Goodbye.
SPEAKER 09 :
You know, it kind of goes the same. I never buy anything over the phone that somebody’s trying to sell me. Correct. I never buy anything at the door unless I call them out, unless it’s Girl Scout cookies. I’m a sucker for Girl Scout cookies. That’s a little different. It’s a little different. But even guys, I’ve got a small part of my driveway is asphalt. I’ve got guys go up and down the street every week right now. Seal coat your driveway. No, I didn’t invite you out.
SPEAKER 08 :
Really quick, not to get off track, but since it’s Fix-It Radio, that’s another one where typically, and that’s an industry that I know very well, typically those guys are giving you a rock-bottom deal because they’re using rock-bottom product. You’re not going to get the life out of that product you would get by having, in this case, I would always recommend… Go get three bids, figure out exactly how much that seal coat’s actually going to cost. In some cases, you can even do it yourself, depending upon how handy you are. Bottom line, Dave, is that’s another great example of, no, do not buy from those guys that are going door-to-door, even in that case.
SPEAKER 09 :
No, do your research. Get people out here that are marketing. Spend the money to market and advertise. They’re usually pretty decent. Can I get back to the repair point real fast? Most deductibles now are $2,500 and up on an average.
SPEAKER 08 :
Or a percentage of either the house or the roof, right? Right. It can be either or, correct?
SPEAKER 09 :
I didn’t have a choice this year. Mine went up to a 2%.
SPEAKER 08 :
Okay, and really quick, is that 2% of the price of the house or what you have the house insured for or 2% of the roof price?
SPEAKER 09 :
From what I understand, it’s 2% of the assessed value of the home.
SPEAKER 08 :
Meaning, for a lot of you listening, where you live in areas where you know the value of your house, and I’m just going to be really, you know, I’m going to use easy numbers here, Dave, just because there’s a lot of folks listening that do, in fact, live in million-dollar homes. Yes, I know there’s some that probably live in half of that price, some that live in between, but let’s use a million bucks for an example. That means you have a $20,000 deductible. 100%, yep. Meaning you’re probably doing – you may get half of that roof paid for depending upon the price. And I want to talk about some of the maintenance and things that you can do to extend the life and so on. But reality is you’re really kind of on your own on your roof when you have that type of a deductible.
SPEAKER 09 :
Well, completely. And that brings us back to the point of something we’ve talked about a few months ago on the radio, that I think in the next couple of years we may all be looking at having to completely self-assure our roofs due to natural events, if not have to have a separate rider to cover that. I’m not an insurance company, so I’m not sure.
SPEAKER 08 :
No, I can’t argue with you on that. I think you’re seeing those trends, Dave, happening right now because what they’re looking at is, wait a minute, you know, that – let me see if I can explain it this way. When you look at your vehicle, and as it ages, you’re insured, and if you have full coverage, comprehensive, and so on, yeah, you’re insured where if it gets damaged by hail, they may take the dents out and so on. If you have an accident, of course, they’re going to take care of that under the collision side of it as well. But if, Dave, over time, you’re not maintaining the paint on your car, you’re not going to I’ve got my great sponsor, Pro-Tech, Auto Shield, Roy, and the folks there over in Wheat Ridge. Unless you’re really maintaining the paint and keeping it up and waxing it and doing all the things necessary to keep that finish alive, Dave, the insurance company, 10 years down the road, just because you’ve let things go to pot and there’s scratches and different things and so on, they’re not going to give you a new paint job as a part of your insurance coverage. I think the roofing end of things is going to be very similar to that.
SPEAKER 09 :
It is hidden there, yeah. We’re seeing that happen as we speak. You might have fresh hail damage, it might be enough damage to warrant a replacement on normal circumstances, but if that roof is 20 years old and it’s completely worn out, you might get ACVs, you might get half your roof paid for, and then you get it back if you deduct a lot of that. So now you’ve got… a check for $3,000 to replace a $20,000 roof because of the deterioration of the roof. That’s right. It’s happening, and that’s been going on for quite a few years. They’re changing. They’re looking to keep the money in their pockets. They’re not a nonprofit business. No, they’re not. They don’t want to pay out if they don’t have to.
SPEAKER 08 :
You’re right, Dave, and the reality, too, is unfortunately, and this is where sometimes consumers are their own worst enemy because of some of what we’ve already talked about in regards to how claims are done, and so on. Reality is a lot of roofs over the years have been replaced due to age as much as anything else, but the insurance company goes ahead and pays it well. To your point, they’ve learned that, yeah, we’re paying far too much out on this, and we’re going to have to make some changes because, to your point, Dave, they are a for-profit business.
SPEAKER 09 :
Yeah, 100%. And the metro area has gotten so used to every time it hails, it could be a little hail. You might have one or two little tiny dings on your roof. People are used to going, oh, I can get a new roof. The only issues is to pay for it. Screw them. Well, okay, you don’t have to like them, but there’s a cost for that. That’s right. And that’s the norm because people are going around knocking on the door and saying, hey, your roof is hammered. Most people don’t get up on the roof or they can’t get on the roof, and they trust that person at the door, and now they’ve got a claim made, and they may or may not get it replaced, but that’s what – This industry has trained people in the last 15 years. You are correct.
SPEAKER 08 :
You’re correct. And it’s hard. Yeah, no, and so point being, those of you that have had real damage, A, and I explained this this past week, Dave, for those of you that are listening, please, again, don’t call your insurance company. Believe it or not, even just a phone call in – And you might have the best agent out there. And in some cases, you know, you take a guy like Paul, who’s our guy. Yeah, you could call Paul, get some advice, and he’s not going to say anything to the insurance company. But there’s a lot of agents working for the insurance company directly, Dave, whereby they are obligated to where if Larry or you call up and say, hey, I think I might have a claim on my roof, blah, blah, blah. Believe it or not, just that inquiry could very well show up on your record. So my point, Dave, is you’ve got any kind of potential roofing problems at all, call you first before calling the insurance company. Absolutely. Absolutely.
SPEAKER 09 :
Because to even get the insurance company out, you have to make a claim. And a lot of people don’t realize that. They don’t realize they’re even making a claim and they come out. Now you’ve got a potentially zero dollar claim on your policy. So yeah, definitely call us first. We’ll assess it and we’ll go over the proper information. We’ll show pictures of what damage is there or is not there and then proceed with the options at that point.
SPEAKER 08 :
Okay. Jeff in Montana, you got a question. Go ahead, sir.
SPEAKER 10 :
Hey, good morning. Before I get to my question, just a quick comment, kind of comical comment. You talked about the need to train people on roofing stuff rather than educate, and it brought to mind a few years ago I had this same question about the difference between education and training. I was going through some military stuff, and an instructor looked at me and said, well, you probably wouldn’t mind if your daughter went through sex education. But you don’t want her to go through sex training.
SPEAKER 08 :
Yeah, good point.
SPEAKER 10 :
Good point. Yeah. We have two decks, one on a detached garage and one on our main house. And when the previous owner put it in, they used rolled vinyl roofing as decking material. And it’s worked out really well. I mean, it keeps the water, you know, from going down below and everything. It’s just that it has, you know, a few years on it now. And I’m wondering… Is there anything that you do to protect the rolled vinyl roofing, or is it just kind of designed to hold up to the sun’s rays? We’re not as dramatic as you are, although at 3,000 feet, we do have a fair amount of UV, but it’s not 6,000, 7,000 feet. So are you walking on that material, or is it underneath deck boards? No, we walk on it. It’s the actual deck.
SPEAKER 09 :
Okay, so it’s a walk deck. Yeah. A lot of times you can do, you know, they’re designed to hold up a long time. Some of the things that we do, we actually did a job a couple of years ago at an apartment complex that was never, they didn’t do their walk decks properly, so they had a lot of decking rot, you know, the three-quarters plywood decking rotted out, so they had to go in and cut it out and all that, but they used more of a decking material. That’s a very thick silicone base that you could put, like, use ground-up walnut shells for textures, you know, slipping. So we had to go out and cut that out, replace the decking, and then re-coat it. You know, so if it’s getting that bad, you can obviously have somebody come out and replace that material, or there are products out there that I can let, you know, John and Charlie know what they are, too, if you want to. calling them later, but that you can actually go over the top of that with a heavy-duty coat of full synthetic silicone, and you can broadband or broadcast a walnut shell on that or some sand for some traction if you needed to kind of cover that up and get extra life out of that versus replacing it. But as far as any topical product, there’s not many products other than those silicone products that are designed for those walk decks. So you could do something like that if you needed to. Do you know about how old it is?
SPEAKER 10 :
When we bought the house in 2017, I think they put the addition on 2012, so it’s about probably 13 years old, 13, 14 years old, something like that.
SPEAKER 09 :
You should get a lot of life out of it. I mean, a lot of people, too, will put rugs out, kind of put it underneath the chair if you wanted to. The walk-on will put a rug out. But I know in Montana, it’s probably not much different than here where you get that wind, too. But those are ideas and stuff. I’ve seen people put fake turf just kind of sitting on top and put their patio furniture on top of that to get it last longer. So there’s some things you can do to maximize that lifespan. But if you’re looking to kind of redo it without having to replace the whole thing, there are products you can use to go over You know, we do a lot out here on commercial flat roofs. We’ll put that silicone coating on versus replacing because it’s significantly cheaper and easier. We don’t have to pull permits because it’s considered a maintenance deal versus replacement. But there’s products that you can do to go on the top of it to get more life.
SPEAKER 10 :
I mean, I know that there’s things like, you know, conditioners that you can put on PVC boats, you know, rafts and stuff like that. That will extend that. I didn’t know if there was some sort of a spray or sweep on, mop on.
SPEAKER 09 :
Yeah.
SPEAKER 10 :
Things like similar to what you do for your driveway, blacktop sealer. I didn’t know if they were similar to vinyl. Right.
SPEAKER 09 :
No, not really, because nothing really will stick to it. It’s kind of like the Thompson’s water seal deck stuff. I mean, I think it’s got a good brand, but it just sits on the surface and eventually flakes off. So it would be the same thing on a PVC-type material. Nothing’s really going to stick to it other than a 100% silicone product that’s designed to do that. But there’s nothing that will soak into it. If you clean it, But a lot of the cleaners are pretty harsh and filled with chemicals, too. And I tend to think that’ll just expedite that process of it drying out because it’s a lot of acetone, a lot of alcohol-based products that’ll clean it. So I say the best thing to do is use some soap and water and wash it. And then, you know, if you don’t have any cracks or you’re not seeing any – it’s like a mesh material in that PVC. If you start seeing some of the – Mesh is probably about the best. Like screen material is what it looks like. That PVC does tend to wear off and burn off. You start seeing some of that mesh, then you might want to think about either replacing it or doing that silicone coating. But if you don’t see any of that and it’s not cracking, then you’ve still got quite a bit of life left in it. I would just do stuff to maybe protect it so you’re not walking directly on it all the time or sliding patio furniture around.
SPEAKER 10 :
Yeah, the reason it’s close to my mind is I spent most of yesterday pressure washing the dang thing and using a mild solution of ammonia and water, and I’d use a broom brush, a deck brush to put that on, and I’ll wash it off. I did a good job, but I just noticed it’s kind of dull, a lot duller than it used to be, and I just wanted anything to bring the shine back, but apparently not.
SPEAKER 09 :
Yeah, no, the only thing you can do is replace it or coat it, basically, unfortunately.
SPEAKER 10 :
Yeah, well, it’s in good shape, so it’s good to know that the coating is an option. I will definitely keep that in mind as well.
SPEAKER 09 :
Yeah, it’s significantly cheaper. Yes.
SPEAKER 10 :
I’ll bet, yeah. Labor is, what, one-third maybe, fourth?
SPEAKER 09 :
Typically on the coatings, we’re about 50-50. Material and labor is about the same. That’s how it works out. And, again, there’s different types of roof. We’ll put the coating on where it requires more labor. But on average, you know, there’s what you’re describing as a PVC material that’s used on a lot of restaurant roofs, but there’s a TPO that’s more commercial, doesn’t have the grease traps. But, yeah, I think there’s – I totally lost my train of thought there for a second. My brain went a different direction. I apologize. I totally lost my thought. That’s all right. They are designed to hold up for a long time, but that PVC does tend to wear off like you’re seeing. As far as the coatings, typically we’re going over the top of a roof material like you have. Labor is going to be about 50-50 the same. Yeah, it’d be similar to power washing. Right.
SPEAKER 10 :
Yeah, I was thinking of labor to take off that vinyl roof or do something. Oh, very expensive.
SPEAKER 08 :
Very expensive. You’d be better off coating it before you do that, Jeff.
SPEAKER 09 :
Yeah, with the coating, if it’s holding up good, sticking good, you can clean that off again a little bit with some hose and some soap and water, and you can re-coat it again even easier than the first application. That’s right. So it’s an ongoing thing you can do if needed to every five or ten years. Yeah.
SPEAKER 10 :
And now, is that a DIY if you’re handy, or would you best just kind of… I would recommend somebody that normally does that.
SPEAKER 08 :
Yeah, I wouldn’t do that. And, you know, Jeff, you know me. I mean, I’m very handy and know the product even that Dave’s talking about and so on. I don’t think, given what you’re trying to do, and if it’s done correctly, there’ll be a warranty and such with it. You do it yourself. You’re on your own.
SPEAKER 10 :
Yeah, definitely.
SPEAKER 09 :
Go ahead. I’m sorry. Henry’s makes a product. You can get your Home Depot or Lowe’s, but it’s not a great product. No. So I would definitely call somebody that kind of specializes in what they call walk decks, and they’re going to have a much better product and much better application and get a lot better long-term results. I probably wouldn’t even do it myself, to be honest. Um, cause I don’t, I don’t do it every day. My guys do, but I don’t. Great example. Great example.
SPEAKER 10 :
Yeah. And, uh, after a certain age, many of us think we can do more than that.
SPEAKER 08 :
That’s a good point. Absolutely. No, I hear you, Jeff. I hear you. All right. I got to roll to a break. Jeff said it for you.
SPEAKER 10 :
That’s it. Thanks.
SPEAKER 08 :
All right. No, you’re very welcome. I got a couple of questions that came in on the text line, Dave, for you as well. So hang tight. And I did have somebody all the way down in Oklahoma saying, yep, you guys are correct on people coming up to the door acting like they’re from the insurance company in Oklahoma. Dave, that is happening more often than not. And I’m guessing that’s spreading this way as well. So thank you for saying that, by the way. And thank you for listening all the way down in Oklahoma. We appreciate that as well. We’ll be right back. Fix It Radio, our website, fixitradio.com. This is KLZ 560.
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SPEAKER 08 :
All right. We are back really quick at a couple of questions that came in via text message. And one of these I’m just going to read right now. Heard you guys talking about people representing themselves as the insurance company. And my question is, what do we feel? You know, you and I, Dave and Larry, what do you feel about some of the Instagram roofing contractors that are advertising? Come join us. Knock on doors. And make big commission. I’ll just tell you straight up, guys, and nothing against people that are on Instagram and TikTok and so on, all these influencers and so on. Keep in mind, A, if they get large enough, they’re making pretty good money just on the videos and things that they’re putting out. And frankly, it wouldn’t matter if they ever got on another roof because the reality is they’re making enough royalties off of being the influencer and the things. And what I mean by that is if you get – you go look at anybody’s account, by the way, that has, oh – 100 000 uh followers or more uh they’re starting to make money they get up into the million dollar or the million uh the million follower number they’re really making decent money now how do i feel about them advertising come knock on doors and make big commission um they’re most likely doing the very same things that we’re advising not to do and not to answer and not to talk to so yeah my advice on that is uh frankly the way i look at the even that roofing company On the front side is, I wouldn’t have them do my roof.
SPEAKER 09 :
No. No. And even on the business end of things, me being a business owner of a roofing company, I’ve seen it and dealt with people who’ve come from other companies where they rotate. They bring you in, they get you out, they teach you just enough to go and knock 100 doors. Out of 100 doors, you might get 10 jobs. You get the 10 jobs in the door, and they say, sorry, see you next time. And then they don’t pay you for your, they don’t pay your commissions. I see that time and time and time and time again.
SPEAKER 08 :
Yep. And the other thing, too, that you always remember, too, when it comes to social media and things like that, not everything you see is real. For example, I’m going to get off track here, but because we’re on this topic, I think this fits perfectly. well if you really want to know how some of this influencer stuff works there is a documentary on netflix right now about liver king and yes that’s an individual he was a guy that went around for a number of years claiming that you could have this entire carnivore diet eat raw meat do this do that you know he was all this you know buffed up looked like hulk hogan back in the day or you know arnold schwarzenegger and he had the whole ripped body and you know looked like this specimen of a man And, you know, he was running around, had all sorts of followers, millions of followers, making all sorts of money off of that, claiming that if you do what I’m doing, you can look just like this. Yeah, that all came caving down when they found out he was all roided up for 12 grand a month, Dave. Yes. So my point is, just because you see something on the Internet and on some of these influencers’ pages doesn’t mean that it’s real. No.
SPEAKER 09 :
You know, what’s funny is I work real hard at my physique, and it is nothing to be super proud of. But I’ll tell you what, it does not come easy. If it seems easy, it’s too good. It’s just not true. That’s right. It’s like anything. You have to work at something. That’s right.
SPEAKER 08 :
That’s exactly right. Okay, before I go to John and Cheyenne, Dave, I had another question that came in that said, hey, Dave, since you’re on a lot of roofs and you’ve been looking at things for, you know, decades now, What is – and I know you do this. This is a good thing for you to talk about. What’s the best way for folks to keep leaves and pine needles and all the junk that gets down in the gutters? What’s one of the better products to use, or what’s your advice for handling that?
SPEAKER 09 :
You know, I – There are companies out there that do gutter guard, leaf filter. Leaf filter is a multibillion-dollar-a-year industry now. Leaf filter is a decent product, but I will tell you, just because you spend a lot of money on it doesn’t mean it’s going to work any better than something you can actually get at Home Depot. You can actually order them online. I know we try to… Stay away from do-it-yourself stuff, but it’s pretty simple to do. It’s a screen. You screw it on top, on the top lip of your gutter. It sits underneath, lightly underneath the edge of your shingle. Those work just as well as these $20 lineal foot install gutter guard systems. I’ve actually seen, you still get dirt in them, so you might every 10 years get to pull the screen off and get dirt out, but it keeps out a lot of the debris that would build up in there, but It’s very important to do that. I used to be a certified mold inspector, abatement contractor, all that, years back. And having nasty, dirty gutters that build up, water will actually wick its way up underneath your shingles and onto your decking, and it will create mold that it has. Gotcha. Because it just can’t dry out. It can’t go anywhere. Super important to clean them out. Even if you have somebody come out once a year to clean them out, that’s huge. But just even a cheap screen that sits on top of gutters helps out tremendously. I’ve talked to people we’ve done roofs for where I can’t even pull them off because it’s a proprietary system. We have to have that company come out, pull the gutter screens off, put them back on later, and it’s very expensive. But those don’t work as well as they claim. I still see a lot happening, but super important to keep the gutters clean. Okay.
SPEAKER 08 :
All right. Let’s go to John in Cheyenne. He’s got a question as well. John, go ahead.
SPEAKER 03 :
John, you mean everything on the Internet isn’t true?
SPEAKER 08 :
No, it is not. I’m sorry.
SPEAKER 03 :
I couldn’t resist. So, oh, Dave, by the way, the older you get, the harder it is to stay in shape, just to let you know.
SPEAKER 09 :
Brother, I’m out there with you. I’ll be 54 here in a couple months, and it’s like, what in the world is going on here? All right.
SPEAKER 03 :
So, John, one of the things I discovered over this spring with the new barn is is that when the rain comes in from the south, it puddles in front of the main door and then goes underneath. And I was looking for a couple of different solutions, and I have a drain in front of it, but just when it hits a door, it rolls down and it’ll go a little bit underneath. And I saw it looks like it’s made of rubber or silicone. It’s about the length of the door, and it has like a lip bump. You know what I’m talking about?
SPEAKER 09 :
Does it attach to the bottom of the door?
SPEAKER 03 :
No, it attaches to the concrete and the door closes on top. Yes, yes, yes.
SPEAKER 08 :
Absolutely. The threshold there. Yes.
SPEAKER 03 :
Yeah. Are they worth it?
SPEAKER 08 :
You know, depending on this, this is my opinion, Dave, you can answer this as well. But depending upon what kind of water, you know, potential water intrusion and things like that, you might have, for example, John on my pole barn, on my shop doors and so on. I have a very similar system to what you’re talking about. Works really well. Keeps the water from coming in. at the bottom of the door and so on uh do i do i like it and does it work well for that yes about the only downside to it for me is occasionally if you’re you know running something through the man door instead of the overhead door and you’re trying to you know dolly something up and over that threshold that’s about the only time it’s a pain but other than that it works great all right so if i get one what would you use to glue it down Liquid nail.
SPEAKER 03 :
Liquid construction adhesive. Yep. And then I’m not sure. I’ll go into that.
SPEAKER 08 :
Really quick, John. I did the same thing. People ask me all the time on this one. Years ago, because I got tired of, in my garage itself, the garage attached to the house, not my pole barn, but my garage attached to the house, I got tired of… water either seeping in under the door from outside because no matter what you do every garage door out there isn’t going to be sealed up exactly on the bottom you know because there’s variations in the concrete and so on and you’re just not going to get a perfect seal but they do make this wide uh urethane type seal that’s about four inches wide that you can actually put at the bottom of your garage door that your garage door then comes down and sits on. So not only does it give a better seal for the garage door, but you’re also sealing water either in the garage that might be there already or water that would like to come in the door from outside. You’re putting enough of a lip there that that water can’t go either direction. And, John, I’ll just tell you straight up, and I put that on the same way you’re talking about, used some construction adhesive, glued that down. I’ve had that on now for probably –
SPEAKER 03 :
eight years best thing i ever did as far as my garage goes okay okay so um i found uh i’m going into menards if they don’t have it they have it on amazon so if they don’t have one in menards i’ll order it on amazon they were 20 bucks 30 bucks i don’t know not very expensive so yeah i just wanted so liquid nails uh construction adhesive okay i could do that All right. I got a drive radio question, but that’s for later.
SPEAKER 08 :
All right. No problem. You call us back here in just a little bit. Not a problem at all, John.
SPEAKER 1 :
Yep.
SPEAKER 08 :
Appreciate you. Dave, really quick. I had a question that came in a moment ago, too, that somebody said they’ve got exact same roof. Let me go back to this particular text message. Exact same roof. They got two different bids. It is exact same roof or exact same product shingle, so on and so forth. Malarkey Class 4. Does that make sense? Yes. Okay, so both are Malarkey Class IV. One company, though, is charging $3,600 for a steep roof. Is this normal? Wow.
SPEAKER 09 :
It depends on how steep, how big the roof is, because everything is based on square foot, the material, labor, everything else on pricing. So it’s probably not unheard of, but that does sound a bit steep, because we’re probably seeing 12, 14, 30. Yeah, we could probably… On an average size roof, even on the steepest, like a standard 12-12, that does sound a bit high on an average size roof. But again, it depends on the size of the roof. And I’d be happy to take a look at them if they’re not in town or in the Denver Metro area or whatever. I’d be happy to take a look at them and even get on Google Earth and kind of get a look at that property and see if there’s something there that’s raising a red flag. But Also, you and I, John, have talked several times now where we’ll go out and bid a roof, re-deck roof, an average-sized roof, and I don’t know, we’re at $22,000. And then some other big company comes in, and they’re at $42,000. So we’re seeing a lot of that, too. But I’m happy to investigate and look at that and make sure it does make sense. Okay.
SPEAKER 08 :
Before we go to break, Dave, you’ve got a product, too, that can help people extend the life of their roofs. It’s been on my roof. It does work. Talk about the RoofMax product, if you would.
SPEAKER 09 :
Yeah, so basically what the RoofMax product is, it’s an oil product, all plant-based product that we apply to a shingle roof. And so we want to do it on roofs that are five years old or older because as the roofs are on the roof, sun hits them, wind, whatever, the petrol oils and the asphalt evaporate, they dry out. And what happens is you start to lose granules, you start to get what we call thermal cracking in the shingles, like our roads crack over time when they dry out. Same basic process, but prevents that, kind of fixes that, helps extend that life drastically. And we’re doing a lot with roofs that have minor hail damage, too. So as we talk about the insurance things changing, the cost, everything else, just because you do have some minor hail damage doesn’t mean that roof has to be replaced. So that’s why it’s really important for us to get out and look at it and if you can discuss those options. and see what options best fits where you’re at.
SPEAKER 08 :
And for everybody listening, too, and I want to make sure we’re clear on this, Dave, that’s a product whereby you can put it on today. In my case, for example, I think it’s been about four years or so since we did MyRoof, four to five years, probably getting to the point where I need to head you out and double-check it again and look at it. But it can be done every, what, five, six years or so as needed, depending upon where you’re at and how your house faces and what kind of sun – you know, what kind of sun exposure it has and so on. But it’s one of those things, Dave, where if everything’s in good shape and you want to keep it that way and avoid some of these other, you know, deductibles and costs and so on that we’ve been talking about. And really quick, I’ll give a testimonial for it. In my particular area, we can get some really, really high winds. In fact, every time we have a really high windstorm, I’ll have Dave roll by and, hey, do we have any damage? Is anything, you know, off? And Dave, as of right now – So it’s doing that product, and all the times you’ve come out and done an inspection, even with some minor hail that we’ve received and or wind, we have no issues.
SPEAKER 09 :
Yeah, no issue. Your granule loss has been to an absolute minimum. So, I mean, it really works. It does provide an extra 30% protection against hail. um but it’s designed to keep that roof in like new condition for as long as possible the average roof in colorado is going to last you 15 to 17 17 years depending on the direction depending on the color you know if it’s darker or lighter right um but with this treatment we catch it in time we can get that out to a full 30 years and a lot of people will say i’ve got a 30-year roof i’m like well no you don’t you know right it’s not going to last 30 years without without something
SPEAKER 08 :
No, and mine’s a great example of that, Dave. Mine, I bought it from a fellow good friend of mine. They did a remodel back in the early, like, 2011, 2012, something like that. Maybe even the roof might have even been done in 2010, depending upon how that was structured during the remodel and so on. But let’s just say it’s 2012. Well, that’s 13 years ago, and I’m not exaggerating, folks, and Dave can attest to this. You can walk up on top of my roof, and does it look 13 years old? No, it does not. Not at all. No. No.
SPEAKER 09 :
Nor does it feel. I think we were out there the other day or a couple months ago, and it’s still got some light. It’s soft. It’s not mushy, but it’s soft. It’s not dry and crunchy like we are. Most of us start to get about 10 years of age. Yeah. No, product works. It works. Yeah, it’s like taking that roof, the condition it’s in now, and keeping that condition a lot longer, and a lot of times make it even better. That’s right. That’s right.
SPEAKER 08 :
All right. We’ll come right back. If you guys have any more questions, please either call in or text me, text line 307. 200-8222-307-28222. You can call also the studio here, 303-477-5600. And also, if you’re listening to a replay, so this show will play again on Sunday evening, so if you’re listening then, or if you’re listening on Tuesday, the replay that we do on Tuesdays, and you have a question for Dave, A, you can either text me, and I’ll get that off to Dave and get that answered, or you can call Dave directly, 303- 710-6916. Again, 303-710-6916. And, Dave, I know I can speak for you, but you’ll answer questions if anybody has a question on anything.
SPEAKER 1 :
100%.
SPEAKER 09 :
Absolutely. I’ll help out however we can. Sorry, I couldn’t talk.
SPEAKER 08 :
No, you’re fine. No, you’re fine.
SPEAKER 09 :
Just give us a call. We’ll answer questions.
SPEAKER 08 :
Absolutely. All right. We’ll be right back.
SPEAKER 06 :
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SPEAKER 08 :
All right, we are back. Fix-It Radio, KLZ 560. Dave, before I go to the phones, a question came in. Is an overlay asphalt shingle, does that meet code in Broomfield, Colorado?
SPEAKER 09 :
I believe they have done away with, if you have it now, your grandfather did, but I believe they no longer allow two layers of shingles if we were to re-roof it now. Okay.
SPEAKER 08 :
So you go out and do the maintenance, you could do a coating and all that, but you can’t re-roof it that way.
SPEAKER 09 :
Correct, yeah. I think right now Denver County might be the only people that will allow a second layer, but most jurisdictions in Colorado are getting away from it.
SPEAKER 08 :
Okay, all right. I’ve got more text coming in, but in the meantime, let’s talk to Mark in Wiggins. Mark, go ahead. Sure.
SPEAKER 11 :
Hey, good morning.
SPEAKER 08 :
Good morning.
SPEAKER 11 :
I’ve got two comments. You guys were talking about roofs and weather, and so it brought up a couple of things in my mind that I thought I would mention that I haven’t heard yet. The first one is I’m actually a part of a reporting agency. It’s through, I can’t even remember who started it. I think it might have been, you know, one of the colleges, whether it was Fort Collins or CU. But anyway, its website is COCO. R-A-H-S dot org. So it stands for COCORAS, which is Colorado Community Rain and Hail Snow. And so I, for the last four years, have over about a thousand reports that I personally have put in of either snow, snow melt, rain, hail reports, And so the National Weather Service, and I believe others actually go to this particular website and download these daily information, you know, NOAA, National Weather Service, Colorado State University might be the one headed up. But anyway, so, you know, I joined because I took a weather-wise – course years ago and got my weather spotter number. So actually it’s a number that the National Weather Service has on file for your location and they can call you or you can call them on a unlisted number and and report significant weather. And I’ve actually gotten phone calls out of the blue saying, hey, are you getting extreme weather hail right this second? Which is pretty cool. But my point is, you can go onto this website, CoCoRaHS, and they also have comment section. And, you know, people will write in on their weather reports what happened in the last 24 hours, whether it was wind, wind damage, hail, what size of hail. And I just got an email this week that they’re actually also trying to include pictures, which they’ve been trying to get that done forever. And that’s really valuable information. And so I’ve actually just in the last week started a second station. I’m the only one probably in a 40-mile range in western Moren County that does this. I think there might have been in the long past, but Anyway, for people that are interested in getting into weather reporting without being a forecaster or meteorologist, you can get into that. But you guys were talking about Dave Hart and Roof Max doing the treatments, which… You know, we had done, but it won’t stop hail damage. Nope. You know, hail is just going to beat everything up.
SPEAKER 08 :
Just like a clear coat and things like that on a car. If it’s big enough hail, you are 100% correct, Mark.
SPEAKER 11 :
Yeah. So we were actually, we had him come out years ago and replace our roof. And we were having a leak in a really strange spot on the front of our house and then around one of the, I think it was like one of the roof vents. And so when he came out, you know, I said, is there anything that we could do to upgrade? Obviously, you know, you can upgrade shingles, but is there anything that’s missing? You know, whether it’s flashing or anything. And so he brought up something that I never heard of. And he had mentioned a, I think it’s called like a rain and ice shield or which goes along kind of like the bottom edge of the roof and underneath a couple of feet and protects that lower edge from excess of rain coming up underneath or ice.
SPEAKER 08 :
Right.
SPEAKER 11 :
And we have not had one single leak since we’ve had that brand-new roof on. Nice. None.
SPEAKER 08 :
Nice. Good job, Dave.
SPEAKER 11 :
And I just went up there the other day, and it still looks brand-new. That’s awesome. Like they just put it on.
SPEAKER 08 :
Really quick, too, Mark, I’m going to step in for a moment. And, Dave, thanks for that as well. But, Mark, what Dave is doing is – and I know Veteran Windows and Doors isn’t a sponsor of ours here on Fix-It Radio, but he is during the week – He talks about the very same thing when it comes to installing windows because most window installers don’t do that, but he does. So it’s funny, Dave, that you and Dave, both Daves, are doing the same thing when it comes to either roofing and or the window installation because in a lot of cases in Colorado, because it’s not code, it just doesn’t get done, Dave.
SPEAKER 09 :
Right. Well, it comes back to, and I’ve had many conversations with Dave from Veteran Windows as well, and he and I operate our businesses very similar in the sense that we’re here for the customer’s best interest. Yes, we’re doing this to provide for our families, but we want to do what’s best for the customer long-term and not just pad our pocketbooks. And one of those things is the underlayment behind the windows or underlayment underneath the shingles. And there’s a lot of situations. I think what Mark was having was ice damming because that section of roof was facing north. And so it just kept piling up and piling up and building up and gets underneath everywhere. Well, it might cost us a couple hundred dollars extra material, but guess what? Mark’s not calling me this year with a leak. Right, good point. And it’s just got to be done properly. And not every jurisdiction requires ice and water. There’s a lot of companies that don’t do it because it’s not a cheap material. But we look at things, it’s like a few hundred dollars more, and we have some extra peace of mind. And I’m happy to do that so we don’t have issues. That’s awesome. Good deal. Yeah, so even if it’s not coded, it’s standard on every roof we do no matter what.
SPEAKER 08 :
Mark, I got to run. I’m going to try to squeeze two more questions in. Are we good? Sure. Yeah, we’re good. All right, man. Appreciate you very much. Thanks for the testimonial as well for Dave. Dave, I appreciate that. Okay, two more questions. One was the RoofMax product that you spray on, does it change the color of the shingle? I answered that question already, but I want you to explain that I believe all it does is bring it back to whatever its original color was. If it’s faded a little bit, you may darken things up some because you’re rejuvenating all of that, right?
SPEAKER 09 :
100%, yeah. We don’t change the color. To change the color, we’d have to seal the shingle. We don’t want to seal the shingle. We still want that shingle to be able to have some air movement. Got it. Because if you don’t, then you start getting mold underneath your shingle and eventually onto your wood deck. It does bring the original color back. It’s rejuvenated. It’s like waxing your… If your car is black and sits in the sun for eight years, it’s bringing that original color back.
SPEAKER 08 :
All right, one last question, and then I’ll let you go, Dave. What do you think about the steel scrape roofs that look like shingles?
SPEAKER 09 :
I like them. They’re effective. They’re very expensive, but they still get damaged. The initials companies are now not really paying for cosmetic damage. But it is a good roof. There’s nothing wrong with it. A lot of them are steel-coated, or you can do a lot of steel stamping. We did it on a few years ago in the mountains. It was all handmade copper shingles. So there’s a lot of neat stuff out there that can be done. So great roofs. But, again, the important part of that stuff, it’s like a concrete tile roof, is the underlayment because you still get water and snow that will blow in the seals. So you have to do what’s called a high-temp ice and water over the entire roof deck so that water does not work its way in anywhere. But great roofs. They’re hard to walk on, though. If you need to service a swamp cooler or anything else like that, I probably wouldn’t put that on a roof that has a swamp cooler on just because you do have to walk on them. They do dent pretty easily. You have to be careful where you step on them, but good roofs.
SPEAKER 08 :
All right, one minute left and got one last one that came in. I said that a moment ago, but we’ve got another text message. You folks are talking about getting into the trades, which we do all the time. Somebody told my son to get into being a roofer or selling windows and doors because there’s less barriers to get in than being an electrician, a plumber, even an auto technician. Is that true? And yes, Dave, that in fact is true. It is.
SPEAKER 09 :
It is. Except for me, I actually have to redo my ICC testing, my national testing, because some of the counties are starting to require it. But it is a lot less of that than those trades, for sure.
SPEAKER 08 :
The downside is, for those of you listening, and Dave, you would be the first one to admit this, It’s a young man’s game being a roofer, being up on sloped roofs and so on and being out in the heat and the sun and so on. Not saying you shouldn’t do it, but just remember that as you age, you better have some sort of a backup plan. You know, get into the sales aspect of it or the managerial aspect of it or whatever, because it’s just like being an auto technician, Dave. It’s a young man’s game.
SPEAKER 09 :
100%. And even for me, I’ve stopped doing a lot of labor in the last 10, 12 years, but just even getting up on seven, eight roofs a day and inspecting them, there’s a reason you’ve helped me get people on board to help me do that so I don’t have to do it all day every day.
SPEAKER 08 :
It does catch up. It does. It does. Dave, man, I love you. Appreciate you very much. Thanks for all your support. And everybody listening, please, if you need anything at all roofing-wise, give Dave a call, 303-710-6916. And, Dave, enjoy the beautiful weather we have today. I will. You guys as well. Have a blessed weekend. All right, man. Appreciate you very much. And again, Dave Hart, that is Roof Savers of Colorado, specializing in the RoofMax product, but really can fix anything you’ve got, whether it’s residential, commercial, you name it. He does it all under one roof. This is Fix-It Radio, KLZ 560.
SPEAKER 05 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
