KLZ 560 AM DENVER'S CONSERVATIVE HOME STATION
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Join us as we discuss the revolutionary RoofMax product that promises to extend the life of your shingles by rejuvenating them. We also explore the realities of modern roofing materials, which, although visually appealing, may not provide the longevity promised by manufacturers. Discover alternative roofing materials, like composite and stone-coated options, that might offer better long-term returns. This episode equips homeowners with the knowledge to navigate future roofing challenges in a cost-effective and informed manner.
SPEAKER 08 :
Walter? Upstairs! Are you alright?
SPEAKER 07 :
In the floor behind the chair.
SPEAKER 08 :
This is America.
SPEAKER 02 :
Does everybody know what time it is? Fix It Radio!
SPEAKER 05 :
And it’s that time. Fix-It Radio, KLZ 560. Thank you all for listening today. We appreciate it. Larry Unger with me today. Good morning, Larry. How are you?
SPEAKER 06 :
Just terrific, John. How are you doing this morning?
SPEAKER 05 :
Always a joy, and we’ll get right into it. If you guys are listening to a replay of the program, thank you for doing that as well. We appreciate it. We’ve got Dave Hart joining us now from Roof Savers of Colorado. Dave, welcome. How are you, sir? I’m doing well. Good morning. How are you guys doing today? We are doing great, and it was a little bit of a different week this week, not only with politics and all of that, but weather as well. As you know, we had some storms here in Colorado, and folks are thinking, oh, yeah, we’re out of the woods as far as hail and all that goes. Yeah, no, we’re not, Dave.
SPEAKER 07 :
No, not until we see the snow flying. We’re probably not. I mean, it’s not uncommon by any means, but it does happen.
SPEAKER 05 :
No, it does. In fact, Eastern Colorado, this last week, we saw large hail. In fact, it looked like it had snowed out there, and they had quite the storm. And yeah, we’re not out of the woods yet, not anywhere as close.
SPEAKER 07 :
No, and it sounds like there’s chances for more in the next couple of days, so we’ll see what happens.
SPEAKER 05 :
Yep, it’s a little cooler even today here in the metro area, and we’re kind of getting into that, as you know, we’re kind of getting into that fall weather. So talk to us on the insurance side, if you would, for a few minutes. It’s one of those things that I know you and I highlight periodically, but… The insurance thing is a big deal, and not just from the standpoint of, okay, I’ve got some storm damage, now what? You can talk about that side of it, but also talk about what’s happening in the insurance world in general regarding policies, roofs, and so on.
SPEAKER 07 :
Yeah, so real quick, just a quick little back story. Probably about 2010, 2011, I had a business partner at the time who was still my best friend, but we were just talking about how things cannot keep going with the insurance companies like they had been, where just because it hails, you get new roofs and all that. It thought it would happen a little sooner, but it didn’t. So the last two years, with all the damage we’ve had not only here in Colorado, but the fires and hurricanes and tornadoes and all that around the country, the insurance companies are looking for ways to minimize their risk and reduce their payout. Yep, minimize exposure. That’s exactly right. Exactly. Probably a better way of putting it. So by doing that, a couple of things are, you know, a couple of years ago, they really started to raise everybody’s deductibles. You know, back three, four years ago, the average deductible we dealt with is 1,000, maybe 1,500. Now we’re there from 2,500 to 5,000 on average. But we do run into quite a bit, even including my own, where, you know, there are percentages. We’re half a percent, 1%, 2% of the assessed value of the home. So you could have deductibles anywhere from $8,000 to $12,000. And if you have a roof that is now, and we’re getting a lot of letters, a lot of customers calling with letters with us now, so roofs are getting about that 15-year range. They get letters from the insurance carriers saying, we’re either going to cancel you unless you put a brand new roof on out of your pocket. They’re not, insurance won’t pay for it. They put a new roof on, or we’re going to, give you what’s called an ACV only, so actual cash value. So by the time they depreciate the roof by 15 years and they back out your average deductible of, let’s say, $3,000, then you might be getting the check for $6,000 or $7,000 to replace the $20,000 roof. So those are happening. And I’m still a very strong believer in the next two, maybe three or four years, we’re going to be self-insuring our roofs. or having at least a separate rider policy for it.
SPEAKER 05 :
I agree with you on that. Really quick for everybody listening, what you’re really saying, Dave, is like having gun collections, jewelry, things like that, you’re either going to pay for a separate additional rider on the policy to do X, Y, Z on the roof, or you’re going to self-insure it, right?
SPEAKER 07 :
100%, yeah. So what that does now is like, okay, well… just because it hails doesn’t mean we need to replace a roof. And there are situations where I would say, yes, you know, if we’re able to get a brand new roof on avoid that 15 year letter coming to your mail. Um, and it makes sense financially for you, then let’s replace it. But I would say as a whole, um, 50 to 65% of the time we can come along with the roof max treatment and get a lot more life out of that roof and not have to deal with it. It’s just going to be at all, whether it be on a preventative measure, or maintain because we can treat a roof that has hail damage as long as it’s not obliterated, in which case we would definitely need to take a look at it anyway to determine that. But there’s options now, and I think it’s going to get to the point where we’ve got to start thinking about keeping our roofs on, even if they do have minor hail damage, and just quit relying on the insurance company to handle it for us. it’s going to become a thing of the past pretty quick.
SPEAKER 05 :
Yeah, I think actually we’re not far from that, if not already there, Dave. And what I mean by that for everybody listening is, you know, gone are the days of, oh, I’ll just wait for the next big storm and my roof’s kind of getting sort of shabby anyways. I’ll just wait for the next big storm and I’ll turn a claim in and we’ll get it handled that way. Two things along those lines. A, no, it’s not going to work that way because of a lot of things you just said, Dave. And then on top of that, and we’ve mentioned this before, but I think it’s something that A lot of folks don’t consider, and that is every insurance company, when you go to another insurance company, let’s say, for example, your current company decides, you know what, Dave, you’ve had enough claims, or you had a big claim, and guess what, you’re just enough of a risk, or you’re in an area even whereby… We just feel like there’s enough risk. We’re no longer going to insure you because that happens. Companies pull in and out of states. They do all sorts of things along those lines. So now you’re out shopping. Dave’s out shopping for insurance. And for all of you listening, these insurance companies pull what you call a loss run report on Dave and how many claims Dave has had in the past on all companies, by the way. And by the way, if you’ve got a combined policy where it’s your car, so it’s a home and auto policy, guess what? They’ll do a loss run, Dave, on both of those, determining is Dave a good risk or not. And you know what? Either your rates will be dependent upon that, or you may not even get insured depending upon what your loss run looks like.
SPEAKER 07 :
Yeah, 100%. That’s exactly what’s going on. And a lot of people think they’ll leave an insurance company. You know, it’s somebody’s credit report. You know, how many different reporting agencies are there for your credit? They’re going to find… your history. It’s just, it’s there. And the same thing. So even if you have a ton of claims, you want to go somewhere else, even if you’re not under distress to try and find somebody else, they’re going to know your history. Right.
SPEAKER 05 :
You know, my feeling on that, Dave, really quick, has always been if you can self-insure certain things and not have as many claims or only have, you know, catastrophic, you know, act of God type claims, the insurance companies will look at you more preferred and as a better client than those that are turning things in, nickel and diming the insurance companies.
SPEAKER 07 :
Yeah, because they don’t consider you high risk. So, absolutely.
SPEAKER 05 :
Gives you more options. Going back to the RoofMax product, and for those that may be just tuning in for the first time and maybe they’re even traveling through, they’re out of state, they’re driving through, they’re like, okay, wait a minute, timeout. What is this RoofMax product that you guys are talking about? In fact, we hear you guys mention it from time to time on air. Explain exactly what that is, Dave.
SPEAKER 07 :
So it’s a product that rejuvenates the asphalt shingles. So if you can picture the asphalt roads that we drive on every day, know you could pave them today and two three years down the road they’re already starting to kind of crack what that is uh is the the petrol oils and the asphalt are evaporating and therefore things dry out which leads to granular loss it’ll eventually lead to uh what we call thermal thermal cracking where the shingles start to crack like the road zoo because they can’t expand and contract any longer uh the seal tabs come loose so just uh it just What we consider normal deterioration, we go in and stop that from happening and put life back in. So if there are minor thermal cracks, it’ll reseal those cracks up. It drastically decreases the, I’ll see if I can say the word right, the degranulization process. You start losing granules, it’ll slow that down by about 50%, which the granules not only give you the color of your shingle, but they kind of keep the UV rays off of the asphalt shingle, much like putting wax on your car. And then we moisturize it. It’s like putting lotion on your dry skin.
SPEAKER 05 :
Yeah, I was just going to say, you took the words out of my mouth. Here in Colorado, most people could relate to that easily. It’s like putting on chapstick or lotion on your hands or your skin or whatever the case may be. You’re adding those oils back into something that’s very dry already.
SPEAKER 07 :
Absolutely. So it’s basically bringing that shingle back to as close to a new state as it possibly can. Okay, and just something else we haven’t talked about for a while.
SPEAKER 05 :
The quality of the shingle itself is not the same as it was several decades ago. Is that correct, or am I saying that wrong?
SPEAKER 07 :
That’s completely correct. So let’s go 22 years now back. they were making shingles with a certain amount of asphalt in them. And the difference between 22 years ago and today is about a 30% to 35% difference. So you can take a bundle of shingles, and let’s say one bundle of shingles 22 years ago was, I don’t know, let’s just say it’s six inches thick.
SPEAKER 05 :
Okay.
SPEAKER 07 :
That same bundle today would be about four and a half inches thick.
SPEAKER 05 :
Meaning even the weight of that and the guys hauling up and down the roof and so on has changed even for them.
SPEAKER 07 :
Yeah, you’re looking probably 20 pounds a bundle lighter. Wow. Wow. Definitely thinner. There are certain manufacturers that use even less asphalt than others. And so that asphalt is basically, that’s your roof.
SPEAKER 05 :
I mean, yeah, you’ve got the granules that make it look pretty. Right. Keep the UV rays off. But the asphalt’s doing the water protection, right, the sealing?
SPEAKER 07 :
The asphalt does the water shedding, yeah.
SPEAKER 05 :
Right.
SPEAKER 07 :
Absolutely does the water protection. So you want to keep that asphalt moist and working for you. Okay. So, yeah, that’s about where it’s going. So they just don’t make them like they used to. Okay. The shingle manufacturers, not to throw them under the bus, but most of them have a significant amount of lawsuits against them now because they’re not lasting as long as they said they would on the packaging. Meaning 10 years ago, you used to get a 30, 40, or 50-year designation on the shingles. Well, you’re not getting 30 years out of a quote-unquote 30-year shingle. You might get 18 and so on and so forth. So they’re being sued. Now they’re all in the packaging that says limited lifetime. And those warranties are not in our favor. They’re there to cover the manufacturers we’re in. And we really have warranty issues. In fact, it’s very rare. But nonetheless, they’re not there to protect us. They’re there to protect them and then offer us a little glimmer of hope for future. the first five years. But yeah, they’re definitely not made like they used to be, just like anything else.
SPEAKER 05 :
So, and I’m assuming that this comes down to the whole conversation of, well, I got a quote to replace my roof that is X. Well, you really better be looking at all of what you just said in that quote of even a roof replacement, because depending upon the quality of the shingle being used, the price could change dramatically, I’m assuming.
SPEAKER 07 :
Yeah, it does affect it. Just even whatever you have on the roof now, I mean, I’ve seen older three-tab shingles, let’s say they’re 20 years old, that are in better shape than a 10-year-old dimensional shingle because they had that more asphalt in them than they do now. So there’s a lot of variables. Definitely to look at what you have. One thing we’re good at is we’re good at providing options. So we are a forward replacement company as well. We do a lot of repairs. But we also do a lot of RiffMax treatments and Riff coatings so we can get more life out of the roof. But we can look at it and provide the best option or provide options so that the customer can make the best decision.
SPEAKER 05 :
Yeah, because I do know, just knowing you all these years like I do, you guys are looking at everything. How are things draining? Is there any ice damming going on we need to take care of? Is there a flashing problem somewhere? Are all of the vent seals doing what they should be? Is the attic even ventilating the way that it needs to be? Because that can affect the quality of the roof and so on. You guys are not just up there slapping… shingles up or down and or, you know, treating a roof. You’re a full-service roofing company looking at every aspect of the roof, which I’m going to give you kudos because there’s a lot of guys even in the roof max into things. Not to dog on roof max, but not every roof max applicator is you. Am I correct in that as well?
SPEAKER 07 :
Yeah, completely. I mean, we’re getting more and more roof max dealers around the country every day. And more of the new guys, I will say, are actually roofing contractors now, which is great because I think we can better serve RoofMax by having more information than just spraying the product on the roof and move on to the next one. We can provide a better service, better quality experience to the customer. But it’s also a testament to… What we were talking about earlier with the insurance, other roofing contractors are like me 10 years ago and said, hey, I don’t want to rely on hail. And we can’t keep going this way, so we’ve got to have options. And so we’re getting a lot more roofing contractors around the country that are now RoofMax dealers as well. But yeah, it’s good to have, there is definitely a benefit to have somebody that can do all of it and knows what’s best for that application.
SPEAKER 05 :
All right, text message came in, said, can you talk about Da Vinci roof scapes and Echo Star roofing? These are very expensive options, $50,000 to $60,000 for 40 squares. However, they use stainless steel nails, ridge vents, et cetera. Essentially, it’s a 50-year roof. This person’s thinking about doing that instead of the traditional $30,000 disposable roof option that is there as well. What are your thoughts on that?
SPEAKER 07 :
Yeah, I think it’s a great option. If I heard you correctly, you said something about DaVinci, so it sounds like it’s a stone-coated metal product they’re looking at, which is great. Two things about that that I’m not a fan of. One being, if you were to walk on them, you could still dent them. There’s not a lot underneath the overlaps to prevent denting. They could still get dented by hail. Okay. In which case, insurance companies won’t pay for a cosmetic issue unless that coating is breaking off. Okay. You know, in the event of a big hail storm again.
SPEAKER 05 :
And so you’re also, really quick, I’ll throw this in just because some people do this, myself included. If you’re somebody that does Christmas lights and things like that and there’s going to be people up and down on the roof a couple times a year, maybe not your best option, right? Right. Correct, yeah, absolutely. Because people are walking on them at that point.
SPEAKER 07 :
Yeah, exactly. So they are a very nice roof, and there’s nothing wrong with them. They’re just some things that, again, I like to inform people of some of the things that, you know, one other sales guy may not, because he might be trying to make a sale. I have no idea. But, again, those roofs are similar to a concrete tile roof where that roof That product you’re looking at, that’s not necessarily your roof system. Your roof system is going to be underneath those tile or those shingles, if you will, meaning the underlayment. That’s your roof system because you will get water that will still blow in underneath and run down. So if you’ve got a good roof system underneath those panels, then… They’re a great roof. I’m really not trying to badmouth them at all. They are a great option.
SPEAKER 05 :
But everything has a pro and a con, just like, you know, I’ve had two homes in the past with tile roofs, and for all of you listening, some people love them. They think they’re great. I, frankly, Dave, don’t ever want to own another one. I’ve had two in the past, and mainly because if you’re going to be on the roof doing anything… Christmas lights or anything along those lines, believe it or not, they’re very delicate to walk on. Yes, I know. If you walk on the seams, you’re not supposed to break them and so on. But they’re very delicate, Dave. No matter what you do, if you’re up on the roof, you’re going to have a broken tile here or there. I know from experience. That’s just the way it is. I don’t care how light-footed you are and what you do dancing around on the roof to try to avoid that. You know you’re a roofer. You know this as well as I. Things are going to happen. You’re going to end up with some broken tiles. when it’s all said and done. They look really nice. I will say that. They’re a very beautiful-looking roof, and there’s nothing. I’ll not take anything away from them as far as that goes, Dave, but they’re not as, you know, quote-unquote robust as maybe a lot of people think they are. Is that a good way to say it?
SPEAKER 07 :
Yeah, it’s a higher-maintenance option. If you look at the concrete tiles, same as you do your sidewalk, again, they dry out, right? And then over time, things expand and contract, and then they crack. So even if you don’t have a leak, you’re going to most likely have multiple cracked tiles up on the roof, which most of the time, by the time they’re cracking, we can’t match them at the manufacturers. We’ve got to go to a boneyard, try and match them. So it becomes kind of a pain in the rear. But if done right, they’re a good roof, but they are a higher maintenance roof.
SPEAKER 05 :
And on the – Texter said that on the DaVinci, it’s actually a stone-coated metal – or it’s not a stone-coated metal. It’s a composite material, I guess, is what it is, Dave.
SPEAKER 07 :
Oh, so that one – yeah, those are becoming really popular and really – we work with – oh, I just lost the name – a manufacturer in Texas. It’s a similar product, but it’s, in my opinion, even better than that one. And they’re the only ones on the market that I’m aware of. Maybe the neighbor will come to me here in a minute. That’s all right. You’re fine. But they actually are the only ones on the market that have a hail warranty for five years. So if a hailstone was to damage it and it’s smaller than a two-inch diameter, they’ll replace that shingle or the whole roof. But you can actually even take a little torch gun and
SPEAKER 05 :
heat that blemish up it’ll it’ll fade away those are that’s a fantastic option though okay that yeah i would love to even put that on my roof okay so so that is so that particular person texting and that is a a good option and that was one of the questions i was going to have for you dave as well as you know when it comes to somebody’s out there they’re looking they want to do a roof replacement maybe they’re going to stay in the home long term they’re wanting to do something that’s a little bit like this texture a little bit better than what the average would be knowing that these deductibles are going to go up. You’re going to be self-insuring some of these things, so why not just start off with a better product in the first place? And, again, I don’t know your world like I do the automotive side, but I’m assuming that there are multiple options, if not dozens of options, when it comes to the quality of the shingle, the type of roof, and so on that you want to do at the end of the day.
SPEAKER 07 :
Oh, absolutely, yeah. And the name I was trying to think of is called F-Waves, F as in Frank. dash wave like the ocean wave um they’re fantastic we we are certified at just all those as well um you know and they to the customer’s point they they are pricier you will get a nice discount on your insurance premiums by doing something like that um but there is there is a sense of peace of mind for the most part that you’re you’re not going to be getting damaged on I would say probably 98% of the hailstorms that we do get in the Denver metro area, it will take very large hail for those to get damaged. And then there’s even options after that. Yeah, they are expensive. Like I said, that would be one shingle I would put on my house.
SPEAKER 05 :
And again, for those of you listening, the way I personally would look at that would be, okay, what is the cost? So here’s roof A, B, C, whatever, get three options if you would. Look at what each one of those costs are. How long do you plan on staying in the home? And that becomes a huge, in my opinion, Dave, becomes a huge factor because the next person buying the home, I’m sorry to say this, but the next person buying the home, Dave, could care less in a lot of cases what the roof is I mean you might be trying to you know sell your home as an upgrade and it’s got this roof and that roof and it might look really beautiful and that’s great and it might actually aesthetically be a better looking home and it might help you sell the house that way but I’ll just I’ll just tell you straight up Dave and you’ve you’ve seen enough buyers to know this the average person they don’t know one roof from another it’s like it’s like trying to sell one he’s trying to sell a person a high quality tire versus low quality tire they don’t know the difference from one to the other other than price. And at the end of the day, as long as they can get from A to B, or in this case, as long as the roof and an inspector comes in on that purchase and says, yep, the roof’s in great shape, the average buyer isn’t going to care. So point being, if you’re not going to stay in the house long term, in this case, a couple of decades to really get the value out of that, Dave, I personally, I don’t see the value in upgrading.
SPEAKER 07 :
No, I could. Yeah. Yeah, sorry, I had a… Police officer flipped his lights on right next to me going through Oklahoma.
SPEAKER 05 :
No, that’s all right.
SPEAKER 07 :
I understand.
SPEAKER 05 :
I was focused on that, making sure it wasn’t me. It ain’t me. No, I get it. I get it. No, it does become a math game, and I’m not trying to downplay any of the more expensive roofs and some of the nicer things that are out there, metal roofs and so on. I mean, aesthetically, in a lot of cases, they’re very attractive and so on. I’m just saying that the average person, frankly, Dave, they don’t know one from another and don’t care.
SPEAKER 07 :
No, it’s 100% true. But again, for those who do, it’s definitely worth having a conversation. What makes sense financially? Taking that headache off your shoulders, not worrying about hail hitting a couple times every year or whatever. But there is a cost. But even if you don’t, again, if you go back off the standard impact-resistant shingle, there’s options with the RIFMAX treatments now to help protect against a lot of the hail that we do get and get those roofs to last a lot longer too. So you don’t necessarily have to spend a fortune to get longevity. But there are good, better, and best roofs out there. It’s just you’ve got to figure out what’s in your budget and what’s important.
SPEAKER 05 :
Yeah. And that really is what it all boils down to. And I will say this is the one thing that we’re focused on, especially with you now, Dave, is just the whole insurance end of things. You and we’ll take a break and come back here in a moment. But in fact, let’s do that. Let’s take a break. Come back. Be thinking about some of the examples because you’ve got some stories of situations where. people were about to be canceled because of the condition of the roof, you were able to get involved and actually save that whole process, I guess you could say, the whole insurance sides of things and so on. We’ll talk about that in a moment. Don’t go anywhere. This is Fix It Radio. Don’t forget our website, fixitradio.com. We’ll be right back. This is KLZ 560.
SPEAKER 02 :
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SPEAKER 05 :
And we are back. Fix It Radio, KLZ 560. Dave Hart with us from Roof Savers of Colorado. And for those of you listening, you can always find Dave by going to any of my websites, literally all of them. Dave will be on each one of those Roof Savers of Colorado. If you want to reach Dave directly, you can do that easily, 303- 710-6916. So 303-710-6916. And if you’re driving, you forget any of that, you can always text me. You all know the text line, 307-282-22. You can always text me. I can get you in contact with Dave, which a lot of you will do from time to time as well. So that’s always an easy way to do it. But Dave, explain the whole, you know, customer, you know, Homeowner gets a letter from the insurance company saying, guess what? We’re not going to continue to insure this because of X, Y, Z. You’ve had some experience in that. Talk about that.
SPEAKER 07 :
Yeah, exactly. So just like we were talking earlier, we’re starting to have customers call in that have received letters that their roof is a certain age. Typically it’s 15 years. We’ve seen a couple at 12 years of age. Basically stating they’re either going to cancel them because their roof is old, or they’re going to reduce their replacement coverage by half or more if in the event something were to happen, and raising deductibles again. So what we’ve been able to do is work with those clients that have had those letters and have been working with their insurance agent directly. We did the RippleMax treatment and checked before, after pictures, made any necessary repairs, whether a couple shingles were missing or torn or whatever, whatever the roof needed to make sure it was in good shape, and then treated it, and then sent the agent an invoice along with those pictures. And this gentleman, this particular one I’m thinking of, got his insurance extended by another five years as well because they were getting ready to cancel him if he didn’t replace the roof. And he had a very significantly sized roof that would have been – roughly $100,000 to $110,000 replacement, and the study went in for about 80% less than that, got him an extra five years of life out of that roof, and he was super happy. So we’re doing a lot with insurance agents right now. We’re talking to a lot more agents, letting them know that we have this option. I’m the only one in Colorado right now that’s doing that, but it’s taken off in Florida and Texas pretty heavily. where we’re working with a lot of insurance companies and getting those policies extended or reinstated.
SPEAKER 05 :
Gotcha. Gotcha. So for a lot of you listening, whereby you might be hearing some rumors or your agent might even be saying, hey, you know, we might, you know, because this happens a lot of times, the agents will get a little bit of a forewarning, I guess you could say, Dave, of, hey, these are the things that are coming down the pike. You might be letting some of your… Your clients know that, you know, this is what’s coming down. And some of you would say, well, how do they even know how old the roof is? Well, Dave, because when you get your policy initially, they’re asking you all those questions, and they keep tabs on that from that point forward. And the other thing that a lot of them are starting to do, Dave, and you know this as well as I, is we have what we call now drone and satellite imagery, where a lot of them are utilizing that to even know what the condition of your roof is, right?
SPEAKER 07 :
100%, yeah. I mean… Just a real quick plug on us. We actually purchased our first drone to start doing some stuff as well. But they are using a lot of that. They could even go online in the particular building departments and check for recent permits being pulled for that and everything else, too. There’s a lot of information out there they can get pretty easily to determine the age of that roof. And they’re really cracking it down a lot pretty hard. It’s challenging, but they’re…
SPEAKER 05 :
their own entity and they can they can make their own rules so it’s just we gotta learn how to work with them yeah and they well as you know they make their own rules because they’re the ones in the driver’s seat they’ve got the ability to do that and as a as a customer that has to have insurance and a lot i mean i know there’s some folks running around that don’t have any houses paid for they feel like they can self-insure everything you know what more power to you that that’s completely up to you as to how you want to do that Most people, I would say, Dave, 90% of the homes out there, there is some sort of a mortgage and something on it that’s going to require insurance and or that person feels like even if I’ve got the money, I don’t want to self-insure for a little bit of money I spend annually on insurance. Even if I’ve got high deductibles and so on, I’m going to go ahead and still insure things. So most people are going to have insurance for obvious reasons. And in that case, you’re at the mercy of the insurance companies.
SPEAKER 07 :
Yeah, 100%. You know, I think to kind of get back to what we’re helping our customers do now with keeping their insurance going is one of the benefits, and for any insurance agents out there listening, one of the benefits by doing that, it keeps that… client in their book of business as well, which is going to make the agent happier.
SPEAKER 05 :
Yeah, in that particular case, the broker or the agent doesn’t want to lose that business because they’re making commissions off of those policies that are being sold. So they want to try to do everything they possibly can to keep those customers, rightfully so. And some of you have been probably clients of some of these guys for decades in some case. They don’t want to lose you, but they’re not the ones making the decisions, Dave.
SPEAKER 07 :
100%. So yeah, anything we can do to help them out, again, it’s helping their paychecks, but it’s helping the customer as well, ultimately, by keeping that policy going. They’re not having to shop around. We get probably one call a week right now on an average of a person that is not familiar with working with those industries, and they’re pretty stressed out. So anything we can do to help them not be stressed and help them keep their insurance going is definitely beneficial.
SPEAKER 05 :
Yeah, and again, so for some of you where you may get that letter in the mail or you may get a call from your agent or your broker, you may be one of those where you say, yeah, let’s see if we can’t do this a little bit differently because I just assume keep what I’ve got going. Let’s see if there isn’t a way to save this, and that’s where you can come into play.
SPEAKER 07 :
Absolutely. Yep. Love doing it.
SPEAKER 05 :
All right, also talk about some of the other things that you can do on the ancillary side. I’m a big one on this, as you know, mainly from the commercial side, but I’ve realized how important it is even on the residential side, and that is just having your roof inspected every single year. It’s like having your car maintained, Dave. The more you do that, in my opinion, the longer everything lasts.
SPEAKER 07 :
Absolutely. We actually ran into quite a few people even to this day that, um have us come out to look at the roof and they’re interested in doing the roof max treatment and we get on the roof and we determine that there’s a ton of hail damage and they they have no idea so to your to your point it’s always good to look at the roof especially if you you don’t have somebody you you can trust the family to get up and look or if you’re not able to see the roof line from the ground and you’re not get on your roof once in a while you don’t have an idea uh definitely have us come out you know frequently Like I said, at least once a year and check things out. There’s so much that can happen in that 12-month time that, you know, You could get a hailstorm, and you’re out of town, and you don’t even know it, and your neighbors don’t tell you. Who knows? That’s right. It’s pretty common.
SPEAKER 05 :
Well, and, Dave, it’s everything from, as you know, it’s everything from hail to wind to bad rainstorms to rodents, varmints. I mean, there’s all sorts of things that can happen throughout a year, to your point, and it’s not just the hail side of it, especially for me, as you know. I mean, I’m a big one, I guess just because of having commercial roofs installed all these years and realizing the importance of having those inspected annually, which, by the way, a reminder, I need mine scheduled so you can go ahead and get that rolling because it’s that time of the year as well. But I’m a big, as you know, I’m a big one on that because I understand the value in what you save down the road, Dave.
SPEAKER 07 :
Well, 100%. It’s always going to be proactive, right? Just like maintaining your car, you want to maintain your roof. And nothing fixes itself and it doesn’t get cheaper by waiting. So, It’s always good to take a look at. And as far as some of the things that we do, answer is wise. We can do gutters. We do a lot of gutters when we do roof replacements. It’s a good time to do it then to better install on the gutter side. Of course. But they can be done without replacing the roof as well. But again, like I said, we do a lot to try and save a roof and get a lot more life out of a roof. So we do a lot with flat roofs like you have. And I know you’re familiar with we go in and do a coating 100% silicone coating, so it’s one monolithic system. It’s watertight, so instead of spending thousands and thousands of dollars replacing a flat roof, we can go in for 60, 65% less, put a coating on it, and get you another 10 years of life. And then the next time we’ve got to coat it in 10 years, it’s a lot easier, a lot cheaper at that point, and then keep it going. So there’s a lot of things that we do to try and get the roof to last as long as it possibly can.
SPEAKER 05 :
Yeah, I want to stress that to all of you that are listening that might have commercial roofs or you’re renting and you’ve got cam fees and so on. And you’re looking at some of this saying, yeah, I’m not sure that all of this is really as kosher as it should be. Give Dave a call. He can get involved in that. Talk to property management owners, whatever the case may be. And those of you that have commercial buildings, if you are not inspecting them annually, you should be. Call Dave. Dave, you can set them up on just an annual calendar where things are done on a routine basis. And if you’ve got a commercial roof especially, you should be doing that.
SPEAKER 07 :
Absolutely. You’ve had the experience, right? Go out and check it, and I call you up and say, hey, there’s some issues here. And you’re like, hey, take care of it. Fix it.
SPEAKER 05 :
Yep. Cheaper now than down the road.
SPEAKER 07 :
You wouldn’t have known.
SPEAKER 05 :
Absolutely, yeah. Yep. No, for all of you listening, I can’t stress that enough. Dave does all, I always say it under one roof. You do it all, Dave, from the commercial side to the. residential side. You can replace complete roofs depending upon what that person wants done. We’ve talked about with the RoofMax product, you can treat roofs and get longer lasting out of it. You can do the gutter end of things. Also, one last thing for everybody listening, Dave, you can handle the siding as far as that goes as well. So if somebody needs some new siding or you need some repair or whatever the case, you can handle that as well.
SPEAKER 07 :
Yeah, thanks for mentioning that. We’re actually getting ready to start a full siding job here in a couple weeks. We do quite a few of those a year and And we’re able to do them cheaper. We’re not a huge company, and I think it’s one of those areas that a lot of companies try to take advantage of the customers and charge them more than they need to. We’re not that. We make a fair living. We have costs like everybody else, and I’ve got to put food on the table for the family, but I’m not getting rich off of one job. So we make it a very fair price, make it good for the client, make it good for us. And they do a fantastic job. So we can do a James Hardy concrete board. We can do lab siting. We can get them both painted. We can get the party board pre-painted before we even install it and just do some minor touch-ups. We’ve definitely got a lot of options on the sighted end as well.
SPEAKER 05 :
All right. Dave, I know you’re traveling. You spent a bunch of time with us, which is more than what I was anticipating, so I appreciate you being gracious with us and doing that. Have a safe trip back. I know you’re on the road, and I appreciate it very much and taking time out of your day for us.
SPEAKER 07 :
It was my pleasure. I appreciate the opportunity and hope everybody has a blessed weekend.
SPEAKER 05 :
It’s awesome. Dave, be safe. I’ll talk to you this week. You got it. All right, man. Take care. And again, that is Dave from Roof Savers of Colorado. And again, if you need to get a hold of him, you can do that by either calling him directly, and I gave you the number, but it’s 303- 710-6916. Or just go to any of my websites, fixitradio.com. Dave will be there as well. We’ll come right back. Don’t go anywhere. We’ve got a full segment left with Larry and I. We’ll come back with a few other things to talk about here at Fix It Radio. This is Fix It Radio, KLZ 560.
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SPEAKER 05 :
And we are back. Fix It Radio, KLZ 560. Steve, go ahead. You are next.
SPEAKER 10 :
Good morning, gentlemen. I hope you’re enjoying a superb, beautiful Saturday. We sure are. After a dark, disturbing week. Rather, a dark, disturbing week. Anyway, I wanted to call. I think a lot of your listeners have already had this with Excel. But this business of smart meters and fiber optic, as you know, CS Utilities is a ratepayer-owned public utility company. And they send out a little letter in their bill as they go door to door and say, hey, we’ve got to put a smart meter in. It’s going to improve your service. A. B, they said, next, they come along and they go, put the same sort of verbiage. We’re going to install fiber optic, even though most houses already have at least two between Xfinity and Metronom, et cetera. Then they get that done. And on the heels of that, two weeks later, they go, oh, by the way, we’re going to Get going here with surge pricing in another month where you’re going to pay more between the hours of 4 and 9, which means translated that we’re going to be able to control utility usage because we’ve got so much committed to non-functioning, non-useful renewables, we don’t have enough power. So they can brown you out or black you out. And I just think it’s a real fraudulent bait and switch. To come in with a story like that, we’re going to improve your utility service, and then finally come out and go the real reason is for surge pricing with the ability to black out and brown out.
SPEAKER 05 :
Yep, everything you just said, you were spot on.
SPEAKER 10 :
I just think it’s ridiculous, and there hasn’t been very much pushback, which I’m kind of surprised at. Only a small element of people seem to even care about it.
SPEAKER 05 :
Yeah, and of course, a lot of my listeners are, Steve, because of the environment that we’re all in. And I’ve heard some people on that end of things push back. Now, I will say this. This comes down to individuals and… For me, for example, I went the smart meter route not because it was forced on me or because I had to, but I did the math and figured I would actually save money and have going that route because the majority of my usage is in off-peak times, not on-peak times, so I actually saved money.
SPEAKER 10 :
Yeah, and then on the heels of that, within the last couple of years, we made a really, really, believe it or not, extremely efficient coal-fired plant called Martin Drake downtown. And they just tore it down. And that thing had a unique emissions control system called Newman. And we were joint partners between utilities and this guy Newman, very bright guy. And coming out set was less particulates, SO2 and NO2 emissions than any power plant in the company, in the country. So it worked so well, they stopped doing that. And so doing all the research, that company now, Newman, guess where they’re based now? Where? Thailand. And they’re selling a heck of a lot of this stuff, particularly all throughout Asia. And it was really innovative. It cured the pollution problem. But we still had all kinds of people that didn’t even seem to have high school science background. In the wintertime, they see steam come out of cooling towers and make all kinds of calls. Oh, we got smoke coming out of the fireplace.
SPEAKER 05 :
No, it’s just steam. Just vapor.
SPEAKER 10 :
Steam.
SPEAKER 05 :
Yep. No different than what your car does early morning.
SPEAKER 10 :
Anyway, on the RoofMax product, as I understand it, it’s like a soybean oil extract that pasteurizes.
SPEAKER 05 :
And really quick on that line, Steve, Larry asked a good question through the break that I thought I would explain. And Larry asked, okay, so if your roof’s in pretty decent condition, it’s got a lot of granulars on it and so on, how does that product actually then soak down, get into the shingle and so on? Well, for any of you that have ever had a paper towel laying out and you lay – chip on top for example just a regular potato chip and you pull the chip off and notice the big oil ring that’s underneath the chip that paper towel is soaking up even just that little bit of oil that’s on that potato chip the shingles steve as you know are doing the exact same thing all it takes is a little bit of product on top And it’s just like a sponge. It will absorb all of that, even around the granulars, with no problem. And to your point, yes, it’s a soy-based product, and it’s a rejuvenation of those asphalt shingles, much like we talked about, you know, lotion on your hands or that potato chip on a paper towel example. It’s absorbing all of that oil, therefore making that shingle pliable again.
SPEAKER 10 :
And if I understand correctly, it runs about 25% of the cost of a new roof.
SPEAKER 05 :
Or less, depending upon the quality. For example, like with me, I’ve got one of the higher end. The guy that built my house that I bought it from had done one of the thicker, high-end, I don’t remember what they call it, architectural shingles, I guess what they call it. So it’s a much fancier shingle, meaning if I was to go to replace mine versus that, that prime i’m probably in my case i’ll bet you steve in my case the coating versus the replacement is probably in that 15 to 20 percent range so it’s even less than the 25 that you said well we had a new roof with american national two years ago june in big hail storm and talk about sticker shot they’ve been up to 26 grand we replaced tons of roofs i mean i’m talking a dozen on properties for the 10 to 12 13 grand
SPEAKER 10 :
And it’s just gotten crazy. And there’s been some condo complexes. Martino had one on there. Pretty large one. Actually, I think it was a condo complex. Anyway, their insurance policy was a million bucks a year with a million dollar deductible. And you know what that means. There’s a special assessment to every owner on the order of $30,000.
SPEAKER 05 :
That would be a great example of calling Dave and figuring out, okay, how can we rejuvenate what we’ve got, therefore lowering overall cost to all of our owners, quote, unquote, get rid of some of these special assessments or lower them considerably by doing that. And I think the biggest reason, Steve, more people don’t do this is they don’t know about it. They don’t know this product exists.
SPEAKER 10 :
Well, they should. They’re advertising like crazy. And if it works as advertised, it’s a great program.
SPEAKER 05 :
I’m a believer in it. I mean, I’ve had it done on my roof, and I’m about to that point again. I’m at the five-year mark to where it’s about due to be done again. Dave and I are talking about that. We’re getting very, very close. And I will tell you that once done, it literally makes the roof look brand new. And I can’t stress that enough. For those of you that have been thinking about getting it done and you’re on the fence and you just don’t, you think it’s snake oil, it’s not. It is not. It really does work, Steve.
SPEAKER 10 :
Probably don’t need it after two years, but something to look at.
SPEAKER 05 :
Yeah, I would say for those of you listening, if you’ve got a roof that’s in that, you know, five to eight year mark, especially a 10 year mark to where things still look decent, but you want to get more life out of it. That’s where I was at when Dave did mine. I was around that eight to 10 year mark somewhere in that neighborhood when he did the first coating. And not that it looked bad. The roof looked great. But guess what, Steve? It looks as good today as it did five years ago.
SPEAKER 10 :
Yeah, going back to about a month ago, you’ll probably remember this, but I think a more elegant and viable solution is, as we talked about, a metal roof with that one-inch thick polyurethane like you see on playgrounds, and then with an architectural coating that makes it look like jingles. And you can drop a bowling ball on that stuff. Probably won’t.
SPEAKER 05 :
Yeah, and for those of you listening, and I was texting somebody back and forth along those lines, Steve, and I think in certain instances that might actually be a really good option, although you’ve really got to, going back to my conversation earlier, you’ve got to look at your overall value, price of your home, comparatively speaking to the other homes that you’re around. I mean, if you’re in a home that’s $2 million plus, knock your socks off. Do whatever you want to to your roof because the buyers coming in are going to require things to be in order anyways. But no offense, Steve, if you’re in that situation, Average of $600,000 to $800,000 range on a home here in the Denver front range area, Colorado Springs to Fort Collins area, and you’re not over a million bucks. I’m not sure going to the fancy roofs really benefits you at the end of the day.
SPEAKER 10 :
I don’t know anybody doing it, and I don’t know what the price point is, but it would be something to explore. Mm-hmm.
SPEAKER 05 :
Definitely. As always, Steve, great conversation. I appreciate that. And, yeah, folks, this is like anything else you would do. And we can kind of close out the show talking about this. Any upgrades to your home? And I know we talk about this a lot at different times, but I think this is something that I see happen quite often. And not that I’m looking to move, but I still keep up on the market and I look at homes and different things and all of that. And it’s just who I am. And what I see at times is you’ll see a home in a particular neighborhood and you’ll look at some of the upgrades. And at first thought, it’s like, okay, very nice upgrades. Problem is you’re never going to get full value out of those upgrades because it’s not matching the the rest of the neighborhood so let’s say for example you’re in a you know average home along the Front Range here you could even be up to a million bucks of homes in your neighborhood maybe it’s from 750 to a million in your neighborhood somewhere that that area and you decide you know what I’m going to go ahead and redo the backyard I’m going to put in a ton of landscaping want to put a full Fountain River system in the whole nine yards you spend you know you know quarter a million dollars doing all that which by the way I’m not exaggerating when I say that when it comes to landscaping that can be done pretty quickly guess what, you’re never gonna get a fraction of that back in that particular situation, because it doesn’t fit. Unless every other neighbor and every other home that’s for sale has done something similar, then you might actually get your money back. But if every other house just has regular landscaping and yours is fancy, it might help sell your home, outdoor kitchens, things like that. It might help sell your home a little bit faster. But at the end of the day, you’re not going to get all your money out of that. You really need to be specific as to here’s my home. Here’s my neighborhood. Here’s the value inside my neighborhood. Now, when I go to do an upgrade, I’m going to redo a bathroom. I’m going to redo a bedroom even, or I’m going to redo the kitchen. I’m going to put an outbuilding up, things along those lines. You really have to look at all of those factors because it’s easy to get overbuilt, and you’re never going to get all that money back, Larry. And it can happen. I’ve seen it happen. Now, I also am a believer in this. If you’re living in the home, and you’ve got the money, and you want to put that in, and you don’t care about the resale value down the road, then you know what? Knock your socks off. Have fun. Enjoy yourselves. If that’s your goal at the end of the day, and you’re going to live the next couple of decades there, and you really don’t care about the return on that investment, then you know what? Do whatever you want. That’s completely up to you. But… If you’re somebody that, you know, we might sell in five years or even 10 years, we may not be here anymore at that point in time. By the way, a decade goes by really fast. It really does. You probably should rethink, okay, how much am I investing in this particular project? Am I going over the top on the project? Am I in line with what some of the other homes in my neighborhood might be like? Because you will be compared to the other homes in your particular area, and not even in your own neighborhood. They’ll compare you to even neighborhoods that are close by. It’s not even just your neighborhood. If there’s a buyer looking, they’re looking at your neighborhood and even several others around you. So you really need to take into consideration all of those factors. And, again, we’re trying to help you guys – maximize your value, maximize the dollars that you put in. And I’m never against somebody doing upgrades to their home, Larry. I just want people to be smart about it.
SPEAKER 06 :
Well, and to go along with that, I’ve got a neighbor that has done the very same thing. In my neighborhood, the houses are typically siding with brick on the front. Okay. He went stucco all the way around his house. Beautiful. It was great.
SPEAKER 05 :
Yeah. Yeah, they are beautiful.
SPEAKER 06 :
His house has been broken into at least five times in the last three years.
SPEAKER 05 :
Because it looks so much fancier than everybody else’s.
SPEAKER 06 :
It looks so much better than everybody else’s.
SPEAKER 05 :
I didn’t think about that either.
SPEAKER 06 :
I didn’t either until he did it, and then we started watching. He’s had three cars stolen.
SPEAKER 1 :
Oh.
SPEAKER 06 :
His house has been broke into. You know who I’m talking about.
SPEAKER 05 :
I never would have thought that.
SPEAKER 06 :
You don’t know the house, but you know who I’m talking about.
SPEAKER 05 :
I would have never thought that.
SPEAKER 06 :
Beautiful. I mean, the house looks gorgeous.
SPEAKER 05 :
Too gorgeous for a neighborhood. Okay, that’s something that we’ve never even talked about on the program. I never would have imagined that one. Obviously, he didn’t either. I don’t think most would ever think about that. So, yeah, depending upon going back to the character and that area that you live in, not just the character, but the value and so on. For obvious reasons, Larry’s reason included, you don’t want to overbuild in your area. I mean, there’s an old saying. You don’t necessarily want to be the smallest home in the neighborhood.
SPEAKER 01 :
Correct.
SPEAKER 05 :
You also don’t want to be the largest home in the neighborhood. You really, you know, for those of you that are looking, you kind of want to be in that middle ground because that’s typically where people are also looking because they, you know, they appreciate that big home. That’s great. They can be nearby. And they’re like, well, yeah, you know, I live next to this big, huge house and it’s all great and it’s fancy and blah, blah, blah. That’s all fabulous. But at the end of the day, that guy’s going to have the hardest time selling because he is the largest home in the neighborhood. Exactly. In the neighborhood. Now, I’m not going to say that it’s always hard to sell the smallest home, but typically it’s that middle ground as to where your best resale value is at, is that middle ground, not the highest home, not the lowest home, but somewhere in the middle is the best place to be.
SPEAKER 06 :
Well, my neighbor hasn’t tried to sell his house yet, but I’m just wondering… How well is that going to go? How well is that going to go? Because it’s got to be worth… I mean, what he’s put into it is worth a lot more than what the neighborhood’s worth.
SPEAKER 05 :
And that’s one of those things, and I cannot stress that enough, and some of the things we’ve even talked about in the past, especially when you start looking at outdoor projects like Larry just mentioned, but this can apply to even the flooring in the house. You know, you may love, you know, fancy travertine flooring, for example. Okay, that’s great. Does it go with the rest of the neighborhood, though, and is that value going to come back? back out. Are you better off doing an actual hardwood or an LPV or even going back to carpet, which I hate, sorry. All you guys that love carpet, more power to you. I hate carpet.
SPEAKER 06 :
You don’t like that shag stuff?
SPEAKER 05 :
I don’t like carpet, period, just because… Personally, I think it’s dirtier, and you guys all know me. I’m a clean freak, and I just think that carpet gets dirtier faster, and it’s harder to keep clean. Hard surfaces, yes, they’re going to get dirty, but they’re very easy to clean and maintain, and I’m just a hard surface guy, and will that affect resale value on things? Well, let me just say this. If the hard surface flooring is done correctly, it’s still sellable because somebody can even change that out and put carpet in it if they really liked it, or they can put a throw rug down, or they can do all sorts of other things along those lines. Exactly. On the same token, if somebody like me doesn’t like carpet and the first thing they’re thinking is this all comes out and they’re putting hardwood or I’m going to put some other type of flooring in that’s a hard surface, that’s a bigger factor than the other way around. It’s more expensive to do, certainly. Correct. It’s easy to put a throw rug down on top of a hard surface already. So that’s just my two cents. You can do whatever you want to at the end of the day. But these are all things, though, as you talk about doing things to your home and you’re looking at different projects, and a lot of people do because you like your home, you like the neighborhood, you like where you live and all that, and that’s fabulous. and you’re going to do some upgrades to it. Again, that’s fabulous. Just make sure whatever you’re doing fits the character and the value of all the homes that are around you, or when the day comes that you’ve got to sell your home, you may find yourself at the wrong end of the stick trying to get that done and maximize your investment that you put into it. So that’s Fix It Radio for today, guys. Thank you so much. Again, all of our sponsors, just go to fixitradio.com and find them there. And if you’re listening to a replay, thank you for that as well. Fix It Radio, KLZ 560.
SPEAKER 03 :
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.
