Leaks & Service Repairs

757-399-3066 ext 3 (Leaks & Service Repairs)

Reroof Estimates & Inspections

757-399-3066 ext 1 (Reroof Estimates & Inspections)

Category: Financing

How to Know When Your Roof Needs a Checkup

They say an ounce of prevention is worth a pound of care, but that doesn’t just apply to your physical health. The same could be said for anything you maintain, including your house and its major systems such as your roof. While there’s no getting around the fact that a roof will eventually need to be replaced, there are many things that can happen over the course of a roof’s lifespan that should be serviced, repaired and maintained. This is especially true in areas prone to severe weather such as the Hampton Roads region.

But how do you know when you should call in a professional roofing contractor? Here are a few things to keep an eye out for to help extend the lifespan of your roof.

Curling, cracking or buckling shingles are a tell-tale sign that your roof needs some attention. You may also notice asphalt granules in your gutters, which have deteriorated from damaged shingles. This doesn’t mean you need an entirely new roofing system! While this type of roof symptom can sometimes be a sign that a roof has reached the end of its serviceable life, it can also be an isolated incident that simply needs to be repaired or patched.

While it may not necessitate a total replacement, shingles that are damaged or worn should be a high priority on your home to-do list. Just a few curling shingles can allow water to penetrate your roof causing leaks, mildew and other interior damage.

Speaking of interior damage, dark spots on your ceiling or walls also signal that it’s time to have a roofing professional come out and inspect. Even if you don’t see a hole or missing or damaged shingles from the outside, the leak may still be the result of a failure in your roofing system such as loose or missing flashing, backed up gutters or damage that simply isn’t visible from the ground.

Dark spots indicate that moisture has penetrated your roof, the sheathing, decking, and potentially attic flooring. These are serious signs that should be attended to as soon as possible by a professional to ensure additional damage does not occur and that harmful mold and mildew do not start to grow.

Moisture in your attic may also be a sign of problems with your roof as well as your insulation. If you find that the insulation, wood, flooring, ductwork or other items in your attic seem damp, it may be caused by a lack of proper ventilation and/or unsatisfactory insulation. But these issues, over time, can also affect the health of your roof by causing water damage to decking from the underside. An ideal attic temperature is close to that of the temperature outside. This prevents condensation, which is often the cause of interior moisture damage. A licensed professional contractor will need to address these issues if you find them.

Of course, sometimes all of these things indicate that a roof has simply reached the end of its lifespan and needs to be replaced. Most modern asphalt shingle roofs have a lifespan of 20-30 years. In the cities of Virginia Beach and Chesapeake and across the Tidewater region, many homes and large neighborhoods were constructed in the 1990’s, making them the age now to need total replacement.

A qualified roofing company can provide you with a roofing checkup to help you determine whether a repair or total roof replacement makes the most sense for your home and budget. At Andrews Roofing, we provide professional evaluations, customized quotes and affordable financing options as well. Whether you think your roof needs an ounce of prevention or a pound of care, we can help. Contact Andrews Roofing today.

read more

How to Pay for a New Roof

Reroofing your home is a major investment, and it’s not always one you were expecting or planning for. This can make it difficult to pay for a roof replacement out of pocket. So how are you supposed to fund a new roof without draining your bank account? Here are a few options that may be available to you.

Insurance Claims

If your roof was damaged during a storm or other catastrophic event, the replacement of it, or the repair costs, may be covered by your homeowners’ insurance. The amount that may be paid out and the process through which you receive this money is different from policy to policy. It’s a good idea to review your homeowners’ policy every year or so to make sure it is still providing the coverage you believe your home may need. For instance, in areas like Hampton Roads, it’s a good idea to make sure you have hurricane, high wind and flood coverage in your policy.

At Andrews Roofing, we work closely with our clients who are going through an insurance claim for roof repair or replacement, providing any necessary paperwork or information they may need to ensure their claims are accurate and paid accordingly.

Home Improvement Financing

If you are replacing your roof because your current roof has reached the end of its life span, you can expect to be paying for it in full on your own. This can be daunting, as new roofs are one of the largest home improvement investments you may make. Fortunately, there are home improvement financing options available. At Andrews Roofing, we work with GreenSky® financing, which offers a variety of different financing options to consumers. They offer financing up to 120 months with fixed rates as low as  9.99%. They also offer 12 month no interest, no payments options for those who qualify.

Applications may be done online quickly and easily, and once you are approved you are provided with a 16-digit account number, which you can then use like a credit card to make payments for the work being done. You have four months after you are approved to make your qualified purchases to the approved merchant, so it’s best to wait to apply until the project is ready to begin.

Home Equity Loan

Depending on the amount of equity you have in your home, another financing option may be to go through a bank or credit union for a home equity loan. The housing market and interest rates are in a great place for homeowners to take advantage of the equity they have in their home in order to make improvements on it. If you know your roof is reaching the end of its lifespan, you may consider taking out a home equity loan to replace it before there are leaks that may cause damage to the interior of your home.

A new roof can also increase your home’s value and make it more appealing to potential buyers if you’re considering moving any time soon. Home equity loans generally do not have strict rules about how long you have to use the money or what exactly it needs to be used for, so if you’re considering doing multiple projects around your house, or you just aren’t sure when you want to begin the work, a home equity loan may be a more flexible option for you.

Manufacturer Warranties

Most material manufacturers have a warranty of some length on their products, provided they are installed correctly by a licensed contractor. If your roof is still within its expected lifespan and warranty period, but you have experienced leaks or other damage, the repairs or replacement may be covered by your warranty. Even if you didn’t have the roof installed yourself, there may still be a transferred warranty from the person who did have it installed.

The best way to determine if the damage or leaks you’re experiencing are caused by the materials is to have a licensed roofing contractor come and inspect your roof. In addition to identifying the cause of the damage, they can also identify the materials that were used so that you can reach out to the manufacturer about a potential warranty. Keep in mind, however, that you will likely need to provide some sort of proof of the installation being completed by a qualified contractor and paperwork showing that the materials were purchased for that purpose.

We Can Help

At Andrews Roofing, we are happy to work alongside customers using a variety of methods of payment for their roof repair or replacement. Whether you’re paying out of pocket, filing an insurance claim or applying for some type of financing, we will help guide you through the process while providing excellent workmanship and products. All of our work is guaranteed, and we use some of the best materials on the market, all of which provide their own manufacturer’s warranty. Contact us today to get started.

read more

The Best Time for a Commercial Roof Replacement

Timing is important in a lot of matters, including comedy, investing, and commercial roof replacement. If you wait too long to replace your roof you could make a number of unnecessary and costly repairs. Even worse, the whole roof could come crashing down on your business. Replacing a roof when it still has good life in it is probably a foolish thing to do. So how do you know when it’s the optimal time for a roof replacement? Although a roof replacement for your business shouldn’t interrupt your operations, there may be times of the year when it is more convenient. Otherwise, the main considerations are the shape of your roof.

Choose the Perfect Time

As with other major business expenditures, there is always the question of repair versus replacement. This is a difficult question, and it’s different for each situation, but the following advice can help.

  • Consult with a qualified roofing contractor. The company can give you the benefit of its experience with roofing matters.
  • Get an inspection and a free estimate. The cost may be less than you expected and favorable financing may be available.
  • Analyze what you have been spending on roof repairs. The annual cost may be higher than what you would pay to finance a new roof.
  • Consider the benefits of a new roofing system. You would have no worries in the roof department for many years.

After consulting with a reputable roofing contractor, and crunching the numbers, you will probably have a good idea where you are. It’s possible you can put off a new roof for a couple of years, which gives you time to save and plan.

Pick the Right Company

The right roofing contractor makes the decision easier. You will get good information from a source you can trust. For assistance with commercial roofing contact Andrews Roofing by calling 757-296-0553 or emailing us today!

read more

How To Finance Your Roof

If the top of your house is weathered and worn beyond repair, you may be in the market for a new roof. Unfortunately, the price of a fresh roof is well above what most folks would consider spare change. A new roof can cost anywhere from $5,000 to $20,000 and beyond. The best way to tackle such a vast home improvement project is through financing. Here are several steps you should take in considering a payment plan for some up-to-date shingles:

  1. Identify Problems With Your Existing Roof
    Faulty flashing, animal or plant intrusions, leaks, water stains and penetrations are all valid reasons for needing your roof replaced—and the list goes on and on. Presenting your bankers or store-credit representatives with a proper list of damages helps them to consider your level of necessity.
  2. Research Materials and Labor
    The best financing agreements derive from knowledge. If you hope to pay a contractor through the bank, prepare to discuss information on the cost of supplies and hourly assistance as it applies to your circumstances. If you hope to finance directly through the store, demonstrate that you understand their product and negotiate for what you need.
  3. Know How Much You Can Put Down
    Financing plans sometimes ask for a portion of the total cost up front before dividing the rest into scheduled payments. Know what you can afford. If you agree to a promotional rate that offers minimal interest early on, be sure to pay off your roof in the allotted time before interest rates increase.

A sturdy roof is one of the most important features of your home—protecting your family from the wild outdoors and brightening the face of your humble abode. Safety and style are worthy investments within your reach with a smart financing plan.

Andrew’s Roofing works closely with finance partners at Greensky. Visit our finance page or call us at 757-296-0553 today to learn more or and begin your journey towards a new roof today.

read more