Guide for How to Choose a Roofer in Colorado Springs
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If you are a homeowner in the Colorado Springs area, it’s not a question of if you’ll need your roof replaced—it’s a question of when. Colorado is a beautiful state, but it can certainly be tough on roofs with storms, drastic changes in weather, and relentless hail. Fortunately, there are several reputable roofing companies in the area that can provide assistance when you need your roof repaired or replaced. The question is: How can you choose the best roofer for you?
In this guide, we’ll provide an overview of important factors to consider when choosing a roofer. We’ll discuss the following topics:
Talk With Your Insurance Company
This is important for one very big reason: before you hire a roofer, you need to make sure that you have the right kind of insurance coverage, and the right amount.
Get a Roof Inspection
It goes without saying that you need a roof inspection to get some idea of what your roof replacement costs may include. It’s important to get one before hiring a roofer. However, you should be careful not to sign anything before allowing a contractor to climb on your roof.
The reason why you need to be cautious is that some unscrupulous roofers may offer to inspect your roof, and then try to trick you into signing a document before they go up. That document may be something that the roofer wants you to believe is a contract that legally binds you to the roofing company in the event that damage is found on your roof, and you want to file an insurance claim. Simply put, they want you to believe that you’re obligated to that roofing company.
There are basically two kinds of roofing coverage that insurance companies offer homeowners:
What’s the difference between the two? Simply put, RCV coverage means that your insurance company will pay the full cost of your roof replacement, minus your deductible. In contrast, ACV coverage means that your insurance company will only pay what your property is worth at the time of loss
Replacement cost value (RCV)
Actual cash value (ACV)
In other words, if you have a 10-year-old roof that gets damaged by a hailstorm, then your insurance company will pay the full cost of your roof replacement, minus your deductible, minus 10 years’ worth of depreciation. Obviously, that could mean a much bigger out-of-pocket expense for you.
