Below you will find a list of frequently asked questions.
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The life expectancy of shingles varies according to their grade. For instance, 3-tab asphalt shingles can last 15 to 18 years, while architectural shingles can last up 30 years. Weather conditions and installation can affect life expectancy. Climates such as Florida’s can diminish shingle’s life expectancy due to constant expansion and contraction of the shingle material. Revildor takes all of this into account and has found the best product for your budget and home. Revildor’s preferred shingles are CertainTeed, Landmark Designer Shingles, with a lifetime warranty, 10-year Surestart protection, 10-year Streakfigher, Algae-Resistance Warranty. 130MPH Wind Warranty. For more information on CertainTeed Landmark shingles or their other products visit: www.certainteed.com.
You may be able to make the necessary repairs to stop roof leaks and extend the life of your roof. If, however, your roof leaks because of excessive wear and tear, you may want to think about budgeting for a new roof. If 25% or more of your roof needs to be repaired, it is recommended you replace the roof according to best practices and the Florida Building Code.
An Assignment of Benefits, or an AOB, is a document signed by a policyholder that allows a third party, such as a water extraction company, a roofer, or a plumber, to “stand in the shoes” of the insured and seek direct payment from the insurance company. It has become prevalent in water and roof claims across the state. For more information visit: https://www.floir.com/Sections/PandC/AssignmentofBenefits.aspx
Revildor does not utilize assignment of benefits. We do, however, assist every homeowner who wishes to contract our services, with their insurance roof claim. We cooperate with the insurance company and advocate for the homeowner’s roof claim. Revildor does not charge extra for this service.
After a loss, you may call a roofer, contractor, plumber, water extraction company or other third party vendor to assist with emergency repairs. Once they have assessed the damage, they may present you with a document to sign prior to beginning any work. This document may sign over your insurance benefits to this third party and include an AOB. The AOB will contain language preventing you from communicating with the insurance company about your claim and giving the third party the ability to negotiate and endorse claim payments on your behalf or file suit against your insurance company, with or without your knowledge.
Typically, consumers are unable to cancel, because it is considered a legally binding contract.
A typical shingle roof has a life expectancy of 20 to 25 years. If your roof is over 20 years of age, you should be thinking about replacing your shingle roof. Shingles that are curling or buckling are also signs that you may need a new roof. Failure around valleys, missing shingle and excessive accumulation of shingle granules on gutters are sings of roof failure. Of course, roof leaks are always a sign your roof needs attention.
If your roof is less than 20 years old and yet, you are experiencing issues with your roof, it may be the cause of a Florida storm or hurricane. Wind-driven rain, horizontal rain, strong sustained winds, hail storms, can all be causes to deteriorate your roof and minimize its life expectancy.
The State Legislature entitled Florida home owners to save money on their home insurance policy premiums by conduction and a wind mitigation inspection. In a wind mitigation inspection, a certified inspector reports on the construction features that decrease the amount of damages caused by wind storms. These features fall into several construction categories including; construction type and year, roof and decking construction methods, opening protection, among other features.
This inspection verifies the general condition of the roof, electrical, plumbing, and the air condition systems of a home. Insurance underwriters use this inspection to evaluate the risks and eligibility for home owner’s insurance.
The process by which an inspector visually examines the readily accessible systems and components of a home. Then, the inspector describes those systems in a written report. The home inspector is expected to identify all materials used in homes, find defects from physical or mechanical failure, and write a report documenting the findings.