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Blog 2017-05-13T21:58:52+00:00
808, 2017

Beware Managed Repair

By | August 8th, 2017|Blog|0 Comments

Managed Repair Programs: The Fox Guarding the Hen House

 

Let’s talk about a major conflict of interest harmful to consumers.

Many insurers are adding a specific clause to their homeowner’s coverage that essentially states you have no real say in who does the repair work on your home, the quality of the work or materials or even when it’s scheduled. “Managed Repair” (MRP) also known as “Right to Repair” clauses are becoming more frequent on contracts between insurance providers and their customers. In most cases the impact and limitations are skipped over if addressed at all when new Policies are issued. Under such severe restrictions property owners are in for a terrible shock should they experience a loss and need to file a claim.

Example:  During the course of a lawsuit, a Managed Repair Program contractor took the stand. When he was questioned about why he used a mismatched tile in the middle of the bathroom floor, he answered under oath I didn’t think that the homeowner would notice. He knew that it wasn’t right and that it didn’t make the property owners whole again, but to save money, he cut corners under the authority of the insurance company.

Instead of allowing the property owner to investigate and select a reputable contractor of their choice, the insurer hires cheap laborers to adjust the claim without being trained or licensed. This practice seemingly violates State laws for the unauthorized practice of public adjusting, and constitutes price fixing through the use of set prices that do not reflect current market rates. However, the most detrimental aspect of all this is the incomplete scope of loss and tendency for corner cutting, as these repair laborers team up with adjusters to produce as limited a restoration as possible.

There’s no other way to say it, these programs intentionally promote the underpayment of claims, poor workmanship and unethical business practices to intentionally reduce the cost of claims. This means the initial loss your property suffered may not be as harmful as the insurer’s MRP handling of it.

BIG problems of Managed Repair Programs (MRP):

  • The contractors performing the repairs are controlled by the insurer and looking out for them, not the property owners.
  • MRP is often deceptively presented as being independent from the insurer.
  • The MRP contractor serves to limit the payout, not affect quality restoration.
  • Most MRP contractors are serving as an unlicensed Public Adjuster seemingly in violation of State law.
  • Some of these carriers are engaging in price fixing material costs, forcing property owners to buy materials through them and then profiting from the claim via kickbacks from suppliers and manufacturers. You don’t like this brand? Too bad.
  • The contractors in these programs cut enough corners to offer waiving the insured’s deductible, seemingly placing them in violation of Georgia’s Fair Business Practices Act.
  • The insured is forced to use the insurer’s specific contractor while the insurer often does not guarantee or warranty their labor.
  • Insurers are stating if they cannot perform the repairs they will deny the claim.
  • What is sold as an worry saving option is in fact a severe loss of consumer rights.

What can you do to protect yourself and your property?

Do not settle! Call your agent and find out what clauses may be lurking that can come back to bite you. If your coverage includes a Manage Repair, seek coverage with another company immediately.

For a list of the highest rated insurers for customer satisfaction, see our recent article:

The Best & Worst Homeowner’s Insurance Companies of 2017

1707, 2017

The Best & Worst Homeowner’s Insurance Companies of 2017

By | July 17th, 2017|Blog|0 Comments

Homeowner’s Insurance Companies Ranked

As a restoration contractor we’re often asked which homeowner’s insurance companies we recommend or have the most negative experiences with. Typically, we provide a rather neutral response like “it depends on the individual adjuster” as we can have wildly different experiences with the same company but with different adjuster’s involved. However, there are a handful of insurance providers we have found to be consistently easy to work with and some we’ve found to be persistently difficult to downright dirty in their dealings with storm damage property claims.

Survey Results

Recently Consumer Reports put out a survey based on 7,418 homeowner’s responses to insurance company satisfaction – specifically in regard to claims. Now these ratings are based on national responses and not every carrier listed provides coverage in Georgia; so it does not perfectly mirror our experiences, but apart from a few exceptions it is surprisingly similar.

It comes as little surprise to us that Amica and USAA are in the top two spots, as both insurers consistently provide good customer service and their claims handling is almost always fair. Likewise, it comes as no shock that Liberty Mutual, American Family and Allstate are rated poorly as these providers routinely have arbitrary and moving targets as the means of assessing property damage.

While shopping for homeowner’s insurance most property owners seek out the lowest premiums, or settle for large deductibles or even Actual Cash Value Policies which only cover a portion of the damaged property. This approach often leaves homeowners with insurance that covers very little.

Top Ten Tips:

  1. Work with an independent agent who can compare premiums and coverage
  2. Make sure you have enough coverage
  3. Don’t worry about filing small claims
  4. Consider flood insurance regardless of waterfront
  5. Animal damage may not be covered
  6. The larger the claim the more you’ll need to prepare for a fight
  7. Your credit history will affect your rates
  8. Things you love most may not be covered
  9. *Beware the hail loophole
  10. Even renters need insurance

*Regarding no. 9. the hail loophole: hail was the single biggest peril with 32% of those surveyed said it was the reason for their homeowner’s insurance claim. The standard homeowner’s policy covers hail, but cosmetic damage may be excluded so be sure to ask for a policy endorsement that covers cosmetic damage.

To save the most, be sure to avoid insurers that require special percentage deductibles for hail damage. Example: 2% deductible on a $400,000 home means you’re responsible for the first $8,000 on a hail damage claim.

 

Information provided based on August 2017 Consumer Reports

2803, 2017

Integrity For Sale

By | March 28th, 2017|Blog, Uncategorized|0 Comments

Here’s an interesting issue facing our industry.

Most shingle manufacturers’ have preferred or certified programs for contractors who install their products. According to the terms of many of these contracts, the roofing company is prevented from talking about any negative aspect facing that manufacturer or their products. This makes sense, as they don’t want to certify installers who then leverage that certification against them and in favor of a competitor.

Unfortunately, it also places the contractor in a position where they may be aware of a problem their customer needs to know, but they risk being kicked out of the manufacturer’s program and not only losing rebates but potentially facing a lawsuit.

Not only this, but these manufacturer programs often include prohibitions against the contractor mentioning anything negative about their competitors, no matter how much the client would want to know. Contractors belonging to such preferred programs are essentially barred from even comparing products.

We believe the consumer has a right to know and rather than having our expertise silenced, we have instead resisted enrolling in these sorts of programs for precisely this reason. The truth is every shingle manufacturer has pros and cons. What may be right for one customer may not be right for another. So rather than committing to looking out for a particular manufacturer’s best interests, we’ve committed to our clients’.

If you are replacing your roof and need a straightforward and unbiased review of the various roofing systems on the market, call us today and…

Sparrow Exteriors, the VERY best for your home improvement needs! From roof replacement to house painting, replacing your siding, adding insulation, gutters and new windows, we make it easy.

2402, 2017

Sparrow Exteriors Now Available on Amazon

By | February 24th, 2017|Blog, Uncategorized|0 Comments

Sparrow Exteriors now available through Amazon Home Services

Amazon Home ServicesAtlanta roofing company Sparrow Exteriors is a new and simple way to buy and schedule professional services such home improvements directly on Amazon.com. This service is invite only! That means the good folks over at Amazon handpick the best service providers in your neighborhood and require all service pros to be background checked, insured, and licensed if applicable. All services are backed by Amazon’s Happiness Guarantee, so if you’re not satisfied they step in to make sure the job gets done right.

2202, 2017

BRAVA Roof Tile – Synthetic Cedar Shake & Slate

By | February 22nd, 2017|Blog, Uncategorized|0 Comments

ENGINEERED SHAKE & SLATE OPTIONS

Technology continues to propel the roofing industry forward. Today there are many options on the market for property owners looking for synthetic cedar shake and engineered slate roofing tiles. These systems not only look amazing but are designed to perform.

We’ve previously featured innovators such as DaVinci Roofscapes, Inspire Roofing Products and Enviroshake, but today we’re taking a look at Brava Roof Tiles.

Brava Synthetic Cedar Shake Roofing

Like the aforementioned brands, Brava manufacturers a beautiful imitation cedar shake and slate roof tile as well as an alternative to Spanish clay tiles.

Brava composite shake roofing tiles Atlanta

  • Environmentally friendly composite roofing material
  • Comes in 5″, 7″ and 12″ widths for ease of installation and natural look
  • Varied thickness and stunning “split texture” of natural wood
  • 50 year limited warranty –  longer life expectancy than natural cedar
  • Available in any color or custom color combination
  • Class 4 impact rating – the highest in the industry
  • Available in Class A and Class C fire rating
  • No breakage, no special tools and numerous accessory pieces available

Brava engineered synthetic cedar shake roofing Atlanta

Brava Select Slate & Brava Old World Slate

Brava select composite slate Atlanta roofing

  • Environmentally friendly composite roofing material
  • Natural quarried slate tile texture without extreme weight
  • Lightweight design requires no additional substructure to be install
  • Only composite slate shingles on the market available with fully blended colors
  • Available in any color or custom color combination
  • Class 4 impact rating – the highest in the industry
  • Available in Class A and Class C fire rating
  • 50 year limited warranty – architecturally enhanced roofline
  • Cuts and nails with ease – you can walk on the roof with no breakage issues

Brava slate color samples synthetic roof Atlanta

Brava Barrel Tile

Brava synthetic spanish roof tile Atlanta

  • Environmentally friendly composite roofing material
  • Available in any color combination – all tiles colored throughout
  • Multi-colored barrel tile blends and aged barrel tile coloring blends
  • Class 4 impact rating – 110mph wind resistance – the highest in the industry
  • Available in Class A and Class C fire rating
  • Barrel roof tiles are perfect for areas with repeat freeze-thaw cycles
  • Can be gun nailed or screwed down for higher wind specs
  • All Barrel tile roofing products have a 50-year limited warranty

About Brava engineered shake slate roofing Atlanta

If you have questions about Brava roof tiles and synthetic roofing systems, would like to see samples or need a professional quote, call us today and…

Sparrow Exteriors, the VERY best for your home improvement needs! From roof replacement to house painting, replacing your siding, adding insulation, gutters and new windows, we make it easy.

1902, 2017

Cedar Shake Stain – before & after

By | February 19th, 2017|Blog, Uncategorized|0 Comments

THE ROOFING MARKET

Asphalt shingles comprise approximately 98% of the residential roofing market. This means cedar shake, slate, concrete, metal, synthetic polymers and all the other roof systems share roughly 2% of the remaining residential roofing market. Most contractors tend to focus on asphalt shingles due to the constant demand for such products and the ease of their installation. This means that homeowners with specialty roof systems often find themselves in need of repair and maintenance service but simply do not know where to turn. While many asphalt shingle roofers will claim they can also install these niche products, consumers are generally uneasy letting the roofer learn on their home.

GOOD NEWS

Sparrow Exteriors is the exception to the rule. We are equally known and respected for our expertise with specialty roof systems and asphalt shingles. Whether you need a small repair, more in-depth maintenance or a complete installation we are here to help you.

RECENT PROJECT

Recently, a sweet Roswell family purchased a home with a large portion of cedar shake mansard roofing. While the shake was only five years old, it’s appearance left much to be desired. They contacted our office and scheduled a free consultation. Ultimately, they had us clean, repair and stain their cedar shake roof, bringing back that rich aesthetic cedar is known for and ensuring it’s lifespan is maximized.

Cedar Shake Roof Clean, Stain - Atlanta

If you have questions concerning specialty roof systems like cedar shake, or need an estimate please feel free to call us today and…

Sparrow Exteriors, the VERY best for your home improvement needs! From roof replacement to house painting, replacing your siding, adding insulation, gutters and new windows, we make it easy.

1801, 2017

Cedar Shake & Shingle Staining – Sample

By | January 18th, 2017|Uncategorized|0 Comments

Stain or Seal?

There’s a lot of confusion as to whether one should stain or seal cedar shake and shingles. Often these two terms are confused or used interchangeably, however they are quite different. While sealing cedar shakes and shingles can cause the wood to dry out and decay at an accelerated rate, staining infuses the wood with oils that helps extend its life and function while improving its appearance.

Sparrow Exteriors prepares stain samples for our clients to assist them in determining which color they prefer, however if you’re just beginning to consider staining or live outside our service area you may still find this brief video helpful.

If you have questions, or would like a free no-obligation consultation call us today and…

Sparrow Exteriors, the VERY best for your home improvement needs! From roof replacement to house painting, replacing your siding, adding insulation, gutters and new windows, we make it easy.

1211, 2016

2016 DaVinci Roofscapes Project of the Year

By | November 12th, 2016|Blog, Uncategorized|0 Comments

Click the image to learn more about this amazing project!

Project of the Year

Interested in DaVinci Shake or Slate Roofing?

If you have questions concerning DaVinci Roofscapes’ line of products, would like to see samples, or need an estimate please feel free to call us today.

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2810, 2016

Ladder Safety & DIY

By | October 28th, 2016|Blog, Uncategorized|0 Comments

emergency-department-660x400This time of year gutters start filling up with leaves, frequent rain showers reveal small leaks, decorations such as Christmas lights need put up and often property owners take to their roofs to perform these tasks themselves. While we’d prefer to see you play it safe and let us take care of the home repairs for you, we understand there are many who will still risk their safety for the sense of pride that comes from doing it themselves.

Given all this activity, we thought this article from Popular Mechanics was timely:

Don’t Be an Idiot: How to Use Any Kind of Ladder Safely

The Dangers of Improper Ladder Use

According to the Consumer Products Safety Commission, 256,279 Americans required medical treatment in 2015 for stool or ladder-related injuries.

“Comedy is tragedy that happens to other people.” – Angela Carter

Fortunately, in the two video examples presented here no one was seriously injured beyond a few bumps and bruises.

If you plan on climbing a ladder this season, be careful. If you’d rather sit back and enjoy the game or time with the family give us a call and…

Sparrow Exteriors, the VERY best for your home improvement needs! From roof replacement to house painting, replacing your siding, adding insulation, gutters and new windows, we make it easy.

2810, 2016

Happy Anniversary!

By | October 28th, 2016|Blog, Uncategorized|0 Comments

October 28, 2016 – Woodstock, Georgia.

Sparrow Exteriors celebrates it’s sixth year in business, serving greater Atlanta!

adobe-spark

Over the years we have grown to become the trusted Atlanta leader in specialty roofing systems, such as cedar shake, DaVinci, slate, stone-coated metal and custom systems, as well as a highly respected installer of asphalt shingle roof systems. Additionally, Sparrow Exteriors continues to provide high quality painting, gutter, insulation and siding services, making us your family’s go-to contractor for all your home exterior needs.

Recently, one of our DaVinci Roofscapes projects was awarded Project of the Year by the manufacturer and will be featured at the International Roofing Expo (IRE) in Las Vegas (more to come on this!).

Thanks, to your continued support our services have been voted one of Atlanta’s best by Kudzu members for three consecutive years – 2013, 2014 & 2015.

We are truly honored and appreciative for the opportunity to continue serving the residents of greater Atlanta. As we venture into our seventh year serving you, we look forward to what lay ahead and renew our commitment to providing you with quality work and remarkable experiences.

You, our customers and our friends are Sparrow Exteriors; without your continued support we could not do what we do. From our family to yours, thank you!

Sparrow Exteriors specializes in roofing, gutters, siding, painting, windows
and insulation systems in Georgia and the Metro-Atlanta area.
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