Can Homeowner’s Insurance Cover a Roof Leak?

Portrait of Asian woman holding a bucket for collecting rainwater from damaged ceiling

About Homeowners Coverage

When you live in Texas, as a homeowner, you need to be prepared for the various types of weather that come through.  From hurricanes and tornados to hard rains and hailstones, you’ll find yourself filing roof insurance claims. Help with that process isn’t always readily available, so we are going to answer some common questions and concerns here about how to file a roof insurance claim, how roof insurance claims work, and what you can expect.

What kind of roof damage is covered by insurance?

Your homeowners’ insurance coverage will depend on the type of policy you purchased, and the insurance company you are with. Every policy can be different, and every insurance company offers different types of coverage. 

A basic homeowners insurance policy should have dwelling coverage. This provides coverage for certain perils or events that can cause damage to your home or property that are beyond your control. Those perils and events include storms and disasters that result in the following: 

  • Fallen tree damage
  • Fire damage
  • Hail damage
  • Wind damage
  • Hail damage

Homeowners’ insurance policies may include things like: 

  • Burglary
  • Riots
  • Vandalism

Review your policy every 6 months to refresh your mind on what is covered and what isn’t. If you don’t see specific damages or perilous events listed, contact your agent, and ask them to review and explain your policy. Then consider upgrading if needed. Doing this beforehand is better than waiting until a disaster happens and you need roof insurance claims to help urgently.

Remember, you will have a deductible to pay out of pocket. This should be outlined in your insurance contract which also states the coverage limits.  Knowing this now will ease the burden and shock should you need to file roof insurance claims. Helping yourself with review and understanding is the best help possible. 

Does homeowner’s insurance cover wind damage to a roof?

Yes, any quality, valid homeowners’ insurance policy should provide coverage for most types of wind damage and will be detailed in the dwelling coverage of the policy. Filing roof insurance claims, help will be available to pay for repairs or replacement in part for damaged or destroyed roofing, siding, or windows caused during a wind event.

cropped view of businessman giving compensation claim form to woman at workplace

Does homeowner’s insurance cover roof replacement?

The roof of your home is without an argument a direct exposure to the elements. And here in Texas, that can be from a range of weather elements including hail, high winds, ice, snow, and more. Anything that Mother Nature sends our way. 

Because a roof is an integral part of a home’s structure, the dwelling coverage in a homeowners’ insurance policy will typically state the protection provided for damage by such perils. This can include repairs, or partial, or complete roof replacement. However, for a roof over 20 years old, coverage is typically curtailed to provide roof insurance claims help only for the ACV (actual cash value), not for their RCV (replacement cost value).

Will insurance cover a 15-year-old roof?

If you file for roof insurance claims to help in repairs or replacement of a 15-year-old roof, the insurance adjuster will inspect the roof and the damage.  They will determine if the damage was caused by homeowner neglect. This means, you haven’t made repairs as needed, kept trees cut back away from the roof, or you should have replaced it prior to the current incident.

Can you keep insurance claim money for a roof?

If you have a mortgage or lien against your home, the insurance company will send the check to them directly, or they may send you the check. In either case, the check will be made to both you and your insurance company. The check is cashed once the job has been completed and proof of this work is submitted. 

If you own your home outright, the check will be sent to you directly, and you can what you want with the money. However, if you choose not to have the roof repair done and then have more roof damage at a later date, the insurance company will likely decline the claim. In some instances, the insurance company may cancel your policy. 

The best way to handle this is to have the roof work done. This will give you peace of mind and keep your home safe and protected. Your home is an important investment and taking care of it is always the better decision.

In Conclusion

It is an industry-wide problem that many homeowners are taken advantage of by contractors promising that they know how to get a free roof from insurance claims. These are roof replacement insurance scams, and most insurance companies will give their clients warnings not to fall for these scams. 

They typically approach older homeowners and have been known to take their money and never return it. There are laws in place to punish these scammers, but in most cases, they aren’t able to find the perpetrators. 

It is always best to contact your insurance agent for roof insurance claims help and not sign any paperwork with anyone that you don’t know. Asking for references will usually scare them away, and then following up on any references they provide will give you an indication if they are a valid contractor.

Mdw Roofing and Remodeling LLC provides special guidance with making roof insurance claims in Kingwood, TX. Call (832) 766-9994 to get started & to learn more.

Are Architectural Shingles Easier to Install?

What are architectural shingles? In the southern part of Texas, Houston, Kingwood, and surrounding areas, the climate and weather can do a number on a roof. That is why more homeowners are going with architectural roof shingles today than ever before.

What do architectural shingles look like?

These are often referred to as dimensional shingles or laminated shingles and are the best quality of shingles you can have for your home. Made from a heavy fiberglass mat base with ceramic-coated mineral granules embedded tightly with a refined asphalt that provides a water-resistant material. 

Are architectural shingles better than regular shingles?

When you install a new roof on your home, whether you have ceramic tile, regular asphalt 3-tab shingles, architectural roof shingles, or other materials, you want them to have a long lifespan. This isn’t an inexpensive home maintenance and upgrade. 

Asphalt 3-tab shingles come in several colors, styles, and textures. They are one of the most affordable roofing materials, making it the most common choice. Before you go with the basic asphalt 3-tab, do yourself a favor and look at the following comparison between the 3-tab asphalt shingles and the architectural roof shingles: 

  • Physical Structure: Both the asphalt 3-tab and the architectural roof shingles have a similar composition. That composition includes asphalt, adhesives, and as granules for the outer layer. Both have a fiberglass  backing.

Where they differ is the amount of material that goes into the manufacturing of each and the overall quality. The architectural roof shingles are a 50% more heavy and substantial shingle than asphalt 3-tab shingles. The architectural roof shingle has a thicker base, more granules on the outer layer. 

  • The Aesthetics: The appearance and overall aesthetics are different between the architectural roof shing and the asphalt 3-tab shingle. The asphalt 3-tab shingles appear flat while the architectural roof shingle has a dimensional appearance after being installed. 

Architectural roof shingles can be manufactured to mimic cedar shakes or slate tile, giving your home the curb appeal you have in mind. The difference being they will last longer than the cedar shakes and aren’t as heavy as slate tile. 

  • Wind Ratings: The wind resistance rating is different between the architectural roof shingle and the asphalt 3-tab shingle. The asphalt 3-tab shingles are rated for up to 60 miles per hour. Because the architectural roof shingles are a better quality and thicker product, they are rated for wind resistance as high as 120 mph.
  • Lifespan: Because the architectural roof shingle has a higher durability and quality composition, they endure the climate and weather better. From heat and strong UV rays to ice, rain, snow, and winds, they will last up to 20 years, some have lasted up to 30 years. The asphalt 3-tab shingle has an average lifespan of 10 to 15 years. 
  • The Warranty: With those lifespans stated, the architectural roof shingles will typically have a warranty of 50 years versus the 30 years of asphalt 3-tab shingles. 
  • The Cost: The asphalt 3-tab shingles are less expensive to purchase, but typically pennies compared to the architectural roof shingles. When comparing the durability and the lifespan, the architectural roof shingles make a better investment. 

What colors do architectural shingles come in?

Your home’s roof is a big factor in the curb appeal along with the landscaping and siding. All three of these factors make an impact on the overall look which is why it is important to choose the right colors. Fortunately, architectural roof shingles come in a wide range of colors. Choose a dark color architectural roof shingle for a more dynamic curb appeal Go with a blend of colors to bring out that dimensional look. Some of the most popular colors this year have been: 

  • Greens: Light and soft, like forest green, hunter green, or moss green
  • Blues: Light and pale, like a blue-green, denim, or sky blue
  • Beige or off-white: Like a khaki, stone, or  tan
  • Browns A light brown or taupe like desert, sand, or taupe gray

Are there different grades of architectural shingles?

Yes, architectural roof shingles come in grades of “better” and “best”, still the 3-tab type of shingle made thicker with more materials. The thickness of better is a premium and the best is the luxury product. These come with a longer warranty as well. 

Do architectural shingles add value?

So, are architectural shingles worth extra cost? Yes, a new roof of any type of material will increase the resale value, but with an architectural roof shingle, you can increase the value by $10,000 or more, giving a 60% or more ROI. 

close-up of dark gray shingles

In Closing – The Lifespan of Architectural Roof Shingles

How long do architectural shingles last? Architectural roof shingles will give your home a minimum of a 20-year lifespan. With proper care and maintenance, and the climate and weather factors, you could get up to 30-year lifespan. A big part of the lifespan will also depend on using a contractor that knows how to install architectural shingles properly. 

When does siding need to be replaced?

siding on a home

Which type of siding is best?

What could be more important than what your home looks like on the exterior? If you’re considering a siding installation change or update for your home, remember, the siding on your home, along with the roof and other components, can give your home a lot of curb appeal and make a lasting impression. What is house siding and why siding is important?

Home siding installation is the homes more than just a curb appeal issue. It is the first line of defense to the various elements that Texas homes must endure. There is nowhere else the weather changes are like those here in Texas, especially here in the Kingwood area. 

Choosing the type of material for your home’s siding installation can be daunting. Priority should be focused on durability, aesthetics, maintenance, and of course, the cost.  The following are 3 types of siding material and their pros and cons: 

Vinyl siding installation

Probably the most common and popular choice, this plastic-like siding provides a level of weatherproof protection and is available in a variety of colors. A 2,000 square foot home will cost between $7,000 and $16,000 including labor. 


  • Fire-resistant up to 750 degree temperature
  • A wide selection of styles
  • Inexpensive


  • Fade within 10 to 15 years
  • Sensitive to long UV light exposure and harsh weather 
  • Prone to mold growth 
  • Prone to sheathing rotting if waterproof sealing isn’t installed first

Wood siding installation

Wood siding has been around longer than the others. Can be painted or stained, comes in various arrangements. Can be as cheap as $7,000 and as expensive as $24,000 for a 2,000 square foot home. 


  • Variety of styles allow a classic look 
  • A greener option that is a natural and non-toxic material
  • Can be more customized 


  • Combustible and not fire-resistant
  • Non-durability
  • Must be repainted or re-stained every few years

Metal siding installation 

A popular choice in exterior siding material today that is strong and relatively easy to install. Available in different types of metals like aluminum and steel and requires almost no maintenance. Durable to the harsh weather conditions that Texas is known for having and won’t warp, rot, and is pest resistant. 


  • Exceptionally durable and low maintenance
  • Fairly easy to install
  • Impervious to fire and pests


  • Little insulation
  • Not soundproof

What type of siding lasts the longest?

A fact to keep in mind when choosing the cheaper siding it that it will need replacing sooner. The more expensive, the better material siding installation jobs will last longer, saving money over the long road.  Average lifespans for the popular choices in siding installation materials are:

  • Vinyl Siding: Lifespan of 60+ years with a typical warranty between 20 and 40 years
  • Fiber Cement Siding: Lifespan of 50+ years
  • Stucco Siding: Lifespan depends on the backing used, can range between 50 to 80 years
  • Metal Siding: Lifespan of up to 40 years
  • Wood Siding: Lifespan between 20 and 40 years

What is the cheapest way to do siding?

Vinyl siding – hands down!  Vinyl siding is one of the most common and popular choices in siding installation. The material and the labor both are the cheapest and the fastest job, even when installed over existing materials.  Cost ranges between $5 per square to $7 per square. 

What are the benefits of vinyl siding?

A siding installation job isn’t as glamorous and “fun” as remodeling the kitchen, but the benefits will be longer-lasting!  Just a few advantages you can expect from a vinyl siding installation job: 

  1. Low Maintenance
  2. Durability
  3. Costs Less
  4. Saves Money on Cooling and Heating 
  5. Versatility
  6. Curb Appeal
  7. Easy Installation

Is metal siding a good choice?

Steel siding manufacturers are adding residential use to their traditional commercial and industrial use for siding installation today because homeowners have discovered the many benefits that metal siding installation offers! 

  • Wide variety of colors and designs
  • Eco-Friendly Material
  • Excellent Durability
  • Can Be Easily Insulated for Sound and Temperature
close up of door and vinyl siding

Will siding increase home value?

In terms of which home improvement projects will bring the highest ROI, a siding installation is close to the top.  With the curb appeal that new siding installation can give a home, you can expect as much as an 85% return on your investment. 

So, you choose to go with a vinyl siding installation, and in 15 years it begins to fade, but it is still in good condition.  Fortunately, vinyl siding is durable and long-lasting, as well as inexpensive. So, can you paint it, or do you have to replace it?  Vinyl siding can be painted much less than you can replace it!   The color choices are wide and varied and will give your home a refreshed curb appeal! Call (832) 766-9994 today for your siding replacement needs.

When to Install a New Roof

worker replacing roof shingles

Keeping Your Roof in Shape

Owning a home is a privilege that comes with a lot of responsibilities. Among those responsibilities is making sure all the major components are in good condition, in proper working order, when repairs or replacement are needed. Like the roof – when is a new roof installation needed? 

Knowing the indicators of when roof replacement or repair is the better option for your home is important. A repair would be the less expensive way to go, but if it is beyond repair, then a new roof installation is needed. What are those indicators? 

Of course, if there is a huge hole in the roof, or you notice water stains on the ceiling, then yes, a new roof installation is necessary. Sometimes though, the indicators aren’t that obvious in passing. This requires doing a walk around your home and looking for the following.

Damaged or Missing Shingles

What may seem like a heavy thunderstorm to you could count as pretty extreme weather. This can directly affect your roof’s condition without your noticing anything is different if you don’t go and look. Even typical winter ice and snow can be devastating to a roof. Ice and snow get heavy as it accumulates, applying a lot of pressure on the shingles. As they melt, the water will seep under the shingles, refreeze and expand, causing shingle deterioration. This in addition to the extra weight will weaken the roof structure. 

Additionally, ice dams form along the roof’s bottom edge, trapping water on the roof. Ultimately, this forces the water inside the attic through leaks that have formed under the shingles. Slowly melting ice can pull the flashing and gutters off too. Then you need a new roof installation along with gutter and downspout replacement and repair or replacement for the fascia and soffit. 

Clogged Gutters

Gutter cleaning is not a job anyone likes to do but to keep your roof in check, it is necessary. A gutter run or downspouts with an abundance of small granular particle accumulation is an indicator your shingles are going bald. This happens due to heavy rains, ice, or snow on a roof that has been beaten by the hot South Texas sun. 

When you don’t keep a regular gutter cleaning schedule, these asphalt shingle granules get trapped and accumulate, keeping the melting ice and snow, or the rainwater, from flowing properly to the downspouts. Then that water spills over the edge of the gutters, pools up around the foundation, and eventually, you not only need a new roof installation, but you’ll likely also need foundation repairs too. 

Roof Age

Nothing will last forever, and that includes the roof on your home. All the maintenance and upkeep will help it last longer, but in time, typically between 20 and 25 years, it will need to be replaced. The older a roof gets, the less efficient it is working for you, so having a professional inspection every two to five years is suggested. Should the roofing contractor notice any issues, they can hopefully make repairs, or they may recommend a new roof installation. 

Why do roofs need to be replaced?

Because most homeowners do not have a spare $10,000 to $20,000 laying around, they wait for the number one reason to get a new roof installation: the ability to make a storm damage insurance claim. So, on to the bigger question – is roof replacement covered by insurance? Yes and no. Whether a roof is covered will all depend on factors like the existing condition and age of the roof when the storm damage happened. 

If the insurance adjuster declares that prior to the storm damage, the roof was not maintained by the owner – meaning, you should have had a new roof installation sooner –  they will decline your roof claim. Or if they say the roof was at its end of life, they will decline the claim. It will also depend on the type of homeowner’s insurance policy you have: ACV – actual cash value, or RCV – replacement cost value. 

Aside from the question of “who’s going to pay for this new roof installation”, there are other new roof replacement benefits for a homeowner to consider that may encourage you to go ahead and invest in a roof replacement: 

  • Increased home value
  • Keeping up your homeowner’s insurance coverage 
  • Improved energy efficiency
  • Improvement of your home air quality
  • Overall aesthetics 

How long does roof installation take?

An average one-story home with 1200 to 1500 square feet can take eight hours. For homes with larger square footage or multiple stories, it can take two days to complete a roof installation. 

What is the cheapest way to replace a roof?

Basic asphalt shingles are the cheapest roof installation material. However, with the asphalt shingles available today, there are still different roof replacement options with the type of asphalt shingles to choose from. 

  • 3-tab asphalt shingles are the least expensive, making them ideal for those with a lean budget or if it’s coming entirely out of your own pocket. This is why they are found on most homes. As other asphalt shingles become more cost-effective, these are eventually going to be used much more scarcely.
  • Dimensional asphalt shingles are becoming more common today, slowly replacing the 3-tab shingles described above. They have a higher cost, approximately 15% more, but have a longer lifespan with a better warranty.  
  • Luxury asphalt shingles are the most expensive of all asphalt shingle types, being as much as double the cost of dimensional shingles. They have a different aesthetic appeal and are popular on higher-end properties. These are typically the minimum accepted for new roof installations for homes in an HOA setting. 

What does roof replacement include?

A roof replacement will include tearing everything off the existing roof, down to the decking. This includes the shingles, underlayment, roofing felt, and if there is any damage, the decking will be replaced too. 

Some homeowners trying to save money will ask for new shingles to be installed over their existing roof. There are contractors that will not do that because of their liability, as some roofing material manufacturers will void the warranty, and some municipalities will not permit shingle over shingle roof installation. 

shingles being nailed in

Final Comment – The Timing of It All

So you’ve decided to go ahead and get a roof replacement. That leads to one final question. What is the best month to replace a roof? Roofing contractors in Texas are their busiest in the late spring and early summer. However, the labor teams for most roofing contractors prefer the fall season for new roof installation because the weather is cooler and typically more stable. 

The Basics of Flat Roof Systems

Workers installing a flat roof.

What is the best material for a flat roof?

Large spanning commercial structures commonly have a flat roof, or one that appears to be flat. But are flat roofs really flat? Not exactly! What we see as a flat roof actually has some slope to it, a must for drainage. The normal slope is one-quarter to one-half inch per foot. This is a very low slope, and it takes ice, rain, and snow a long time to drain, which means the flat roof membrane must be watertight. 

Not all flat roofs are the same though, so what are the different types of flat roofs? Before you have a commercial roof installed or replaced, you should have a basic understanding of the different flat roof types available: 

  • BUILT-UP ROOF : The oldest commercial roof in the industry, but still a popular choice. This flat roof system is a continuous membrane that is semi-flexible and layered on the flat roof in piles that are alternated with an aggregate. A more common name is “tar and gravel”. This is an easy flat roof for repairs but offers no energy efficiency like many newer roof materials. 
  • PVC / TPO FLAT ROOF: These are single-ply flat roof membranes that offer reflectiveness with their white coating. Both are ideal for a restaurant’s roofing, with a high resistance to chemicals, fats, and oils. They are installed with heat welded seams to make waterproof, a labor intensive install job. 
  • EPDM FLAT ROOF: This impact resistant flat roof material can take whatever the weather is dishing out. It’s a rubber-like material made with tried and true technology used for over 40 years. The basic black color is not reflective, but a white coating will give you the reflectiveness you need. 
  • MODIFIED BITUMEN FLAT ROOF: Another type of rubber roofing that is installed in layers of a petroleum-based substance to achieve a rubber look and feel. It holds up to foot traffic better than many other roofing materials. It is a durable product but not reflective, therefore not an energy efficient flat roof material. 
  • GARDEN FLAT ROOF: A flat roof with a garden can be complex, requiring engineering inspections and routine maintenance. It may not be the best for a business but is ideal for residential structures with flat roofs, like apartment buildings. A flat roof with a deck ideal with a community garden. 

Is a flat roof a good idea?

For a commercial structure, yes, a flat roof is typically a better choice for several reasons: 

  • HVAC Equipment – Installed on a flat roof, equipment has more room, and by being able to place equipment on the roof the chances of copper theft are minimized. 
  • Better Drainage – The bigger a roof is on any type of structure, the more rain it will collect. This means typical gutter systems can’t handle a high volume of rainwater. A flat roof has a specific drainage system ideal for this roofing that can handle large amounts of water. 

Other benefits of a flat roof are aesthetics, as it blends in with other commercial structures around you, allowing owners to focus on the exterior siding. A flat roof offers a business additional space if desired for things like a garden, easing the urban island heat effect. Additionally, a flat roof will have a longer lifespan when it is installed correctly and maintained as recommended. 

What are two advantages of having a flat roof?

The biggest advantage of a flat roof for a commercial structure is the affordability in installation, maintenance, and upkeep. There is less labor needed when installing a flat roof, it can be installed faster, and once it is installed maintenance is minimal, another labor-saver. Another key advantage of a flat roof is having space for installing an HVAC system or going with a flat roof solar racking.

Is a flat roof cheaper than a pitched roof?

For a commercial structure, absolutely yes! A commercial flat roof is significantly less expensive because there is less material for the expansive area they must cover. This all equates to fewer materials and less labor, which makes the cost even less than with a pitched roof.

How long do flat roofs last?

A commercial flat roof that has been professionally installed and properly maintained can give you a 20 to 25 years lifespan. On the other end of the spectrum, a commercial flat roof that isn’t installed correctly and in cases where maintenance is not kept up, you may only get 10 years before a recoating is needed. There are commercial flat roofs that have lasted as long as 50 years as well. 

View of a flat roof from above.

In Conclusion 

A commercial structure with a flat roof or balcony should be installed by a professional contractor with experience in that particular area of construction. With a commercial structure, you shouldn’t rely on employees with weekends free and side business simply because of the liabilities that can leave a business open to experience. To learn more about flat roofing systems in Kingwood, TX, call Mdw Roofing and Remodeling LLC today at (832) 766-9994.

How do you repair a hole in a wooden fence?

wood fence along property

Keeping your wood fence at its best

In Texas, the weather can go from one extreme to the other. That has been proven again in 2021 with a snowstorm we aren’t used to here, then weeks of rain with more rain, then heat and strong sun rays. That kind of weather is hard on a wood fence, making fence repair almost a full time job for a homeowner! 

If you’re a homeowner and just had a wood fence installed, you’re probably asking yourself, “How do I keep my wooden fence from rotting?”. There is one thing we know for sure is that rot is the number one enemy for wood, and rot is the frequent need for fence repair. Wood rot can diminish the aesthetic appeal of a wood fence, reduce the rigidity and strength of the fence, and simply, ruin a good wood fence. 

There are few things you can do to minimize, even top wood rot from happening, and lessen the amount of fence repair you need to do. First thing you should do is to get a clear understanding of wood rot so that you know what kind of wood rot your fence has. The two types of wood rot are:

  • Dry Rot: This happens when the wood fence is consistently exposed to a dry, harsh environment, like the sun and wind. Both of these elements will dry wood out, weaken your wood fence, letting it break easy and even crumble, creating a need for fence repair. 
  • Wet Rot: Happens at the base of the fence, where the posts are in contact with the soil. This is noticeable by the cracking and softening in the wood fence, and often has a fungus growing on it, smelling damp and musty. That smell is active decay and a sure sign you need either fence repair or fence replacement.

Choose Fencing Material with Wood Rot in Mind

When you’re choosing the materials for your new wood fence, keep wood rot in mind. Choose a type of material that is rot-resistant, so you won’t have to worry with fence repairs. A hardy wood like cedar, cypress,  juniper, and redwood are recommended  versus Douglas fir, pine, or tamarack. 

  • Fence Stain as Necessary: To keep wood rot at bay, regular staining is integral. Experts recommend annual fence staining to prevent fence repairs from wood rot. Depending on the climate and environment where you live, you may need to stain more frequent or not as frequent. 
  • Keep Debris Off Your Fence: Build-up of damp leaves, wet grass,  and plants will cause wood rot. Keep these things off your wood fence and you’ll eliminate a lot of fence repair needs. 
  • Replace Rot as It Appears: As soon as you notice rot appearing, replace those sections then. Rot is evil and it spreads. The sooner you replace it, the less fence repairs you’re going to have in the future. 

How do you straighten a leaning fence?

How to do your own fence repair will depend on a few factors. Things like what caused it to lean, how bad is it leaning, what type of fence material you’re working with, the terrain, and the weather.  What caused the fence to lean is the first thing you need to know so if it is something you can take care to prevent it from happening, that should be done first. 

The usual culprit for making a fence lean is one of the following:  

  • Poor fence installation.
  • Shallow posthole depth.
  • Poor securing method.
  • Material used for fence post.
  • The weather conditions.
  • Soil erosion and the  terrain.
  • Tree roots.
  • Sprinkler system.

These factors will cause  a fence to lean because the fence posts have become loose from rot and/or unstable footing. Inspect and evaluate the cause, make corrections if possible, then you can start your fence repair.

Fence Post: Partly Rotted or Unstable

If the fence posts are rotting at or below the surface and the portion above the ground is in good condition, here are two options:

  • Dig up the fence post and replace with a new one. 
  • Place a shorter post against the rotting post and bolt them together. 

Fence Posts: Severely Damaged

If a severely damaged post is causing the fence to lean, the only fence repair option is to replace the post using the following steps:

  • Dig and remove the dirt away from the damaged fence post. 
  • Remove the fence rails.
  • Dig the post hole to the proper depth. 
  • Make sure the new post is upright level. 
  • Align the new post with the other posts using the level and string tied to each post.
  • Pour new concrete footing, making sure it slopes away from the post for drainage.
  • Reattach the wood railings.  

If there are several fence posts that need to be replaced, you should consider a completely new fence at that point. 

Do you need a permit to repair a fence?

In Kingwood, Texas  a permit is not required for routine maintenance and repairs to an existing structure, which would include fence repair.  If you live within an HOA managed property, you should check with the powers of the HOA to confirm their stand on this matter. 

Is fence repair covered by insurance?

When it comes to fences to repair, like anything else with your home, every policy is different. Factors that can determine this is  how the fence damage happened and what the limits are on your policy. Earthquakes and flood for instance, fence damage would not be covered because both are typically excluded from standard homeowner coverage.

stained wooden fence

How often should a wood fence be replaced?

The recommended schedule for new fencing is every ten to twelve years unless it needs it sooner. So, how do you decide when sooner is the time for fence repair or replacement and which is needed, fence repair vs replace? 

  • STORM DAMAGE: When your property has been damaged by a storm, you need to contact a contractor for estimates then contact your insurance company. Damage from a broken branch, a falling trees, or a vehicle accident that leaves significant fence repair to be done is usually covered on most homeowner’s insurance policies. You should verify this with your particular policy or call your insurance agent for help. 
  • BROKEN/MISSING BOARDS/PANELS: When it comes to wood fencing, the panels frequently come loose and will fall off. Sometimes it is an easy, fast fix by repositioning and nailing into place. If you are starting to have several boards at one time, or constantly having to reposition and nail them, it may be time to get a new fence. 
  • LEANING FENCE AND POLES: If your fence is beginning to lean in one direction, you should get professional contractor help. This can be a hazard and it is an eyesore! 

With properties on both sides, for any fence repair, who is responsible? 

The basics to this is usually when the front fence is covering the property line on both sides, both homeowners should share the fence repair costs, any maintenance, upkeep, and new fencing. Call (832) 766-9994 today for your fence repair in Kingwood, TX.

How messy is window replacement?

window replacement

Getting new windows in a home

If you’re considering siding and window replacement for your home, there are many concerns and questions, including is it going to be loud and messy. With the answers we provide you in this article, we can hopefully answer those things as well as others. 

With siding and windows replacement, how does the contractor determine which to do first, or does it matter? That seems to be an ongoing debate among contractors and manufacturers when it comes to getting siding and window replacement. So, is it better to replace windows or siding first?

The majority of contractors prefer to do both at the same time; however, the majority of homeowners can’t afford both projects at the same time, which is understandable. If you were to do both at the same time, the contractor would do the window replacement first, so it would be safe to assume, if you need to choose one or the other first, window replacement is the winner. Why? 

Doing the window replacement first allows the windows to be precisely set with the insulation behind them and cap them off. What is the capping? That is the protective cover for the exterior frame that is otherwise exposed to the elements. 

What of you decide to do the siding first, would it hurt anything? It can, but you can be certain the contractor will do everything they can to prevent any damage. Later, when you decide to do the window replacement, capping them of can damage the siding unless the contractor removes the siding around the windows first. Or they may have to remove the capping and replace it once the siding is in place. 

The moisture barrier under the siding is another possible problem if the siding goes on first. When the window replacement job is done, again, the siding will need to be removed around the windows and the then reinstalled with the moisture barrier again.  These are all things that can cost you more money.

Should I replace all windows at once?

It is an expense, and understandable why a homeowner may have to do the  replacement windows and doors one window at a time. If any way possible, the best scenario is to have it done all at once, doors and window replacement, and if you’re getting siding, include that as well. Especially if your doors and windows are twenty years old or older. The benefits you expect from new door and window replacement won’t be noticed with single units. 

What is the best time of year to replace Windows?

Well, here in Texas, telling you do have your siding and window replacement done when the weather is good could be a hit or miss.  Even with the springtime unpredictability, that is the best time of the year to replace windows. The weather is warm, not too hot. Springtime you won’t have to be concerned with cold drafts either while all the windows are being replaced. 

How long does it take to replace one window?

Once you have agreed to terms with your contractor and sign the installation contract, the contractor will remeasure the windows and doors and place the order with the manufacturer. It typically takes four to six weeks for the doors and windows to arrive. They will usually be delivered to your home; then you should notify your contractor of the delivery and confirm your installation date. 

Some window replacement jobs are done by one person, but usually there are two or more. They will remove the old windows, insert the new windows. Using shims and expanding foam, they will level the windows and seal them with caulk and coil. 

The process per window is 30 to 45 minutes, and in most cases, the experienced, staff contractor can usually complete 15 windows a day. Factors that can affect this is the condition of the wood around the old windows, the size of the windows, and if the replacement windows without frame. 

The last step in window replacement is installing the cladding. This is what will give your windows a tight seal for weather protection. Cladding is not always included in replacement window jobs, so you’ll want to check your written estimate and inquire about the process if it isn’t listed.             

windows newly installed

What are the best replacement windows?

There are several brands of replacement windows, and like anything, they are the same but different. There are better quality brands and within each brand, they have different levels of quality. Three of the most popular brands for window replacement are: 

Andersen Windows

A well-known, established brand, Andersen Windows sell replacement windows and new construction windows that casement and double-hung window styles. They offer their superior windows in clad, composite argon, gas-fill glass, wood, and vinyl.  A high quality window offers a line of lower prices but still provide quality results with a comprehensive warranty with pricing starting around $280 for the 200 series before installation. A limited warranty is offered owner-to-owner, with 20 years for the glass and 10 years for non-glass parts, all transferable when a house is sold. 

Pella Windows

Another well-known name in replacement windows is Pella, and they too offer casement and double-hung styles in argon filled, aluminum, clad, wood, and vinyl. Pella windows are aesthetically pleasing, and well-built, customized windows are offered, along with a triple pane window that provide extraordinary energy efficiency. Lower cost than Anderson, starting at $150 per window before installation cost is added. A 10-year warranty that is transferable  for their energy-star rated windows. 

Preservation Windows

Not a well-known brand as the first two, but features a tackle and block balance, which is an upgraded feature that makes for a more durable replacement window that is easier to operate. These windows are standard with BetterView screens that allow more light compared to average window screens while still being energy efficient. These are one of the most expensive brands, starting at $800 per window before installation. 

Even with the best, highest rated energy efficient windows, you’ll still need replacement windows with blinds, and of course you want the best possible, but how do you go about getting the best blinds?  A few tips for you: 

First thing you need to realize, is that there is not standard size when it comes to windows, that is a longtime myth. So it is important to get the right size of each window, even if they are side-by-side and look exactly the same.  Average sizes for windows are: 

  • Double-Hung Windows are 36 inches and 72 inches long by 24 inches and 48 inches wide.
  • Picture Windows are sized between two fee tall and eight  feet tall with a width that can be range from two fee wide up to eight feet wide, typically in even numbers between those two. 

Getting the right measurement to each window will give you the best results for blinds that actually fit the window. Call (832) 766-9994 today for window replacement in Kingwood, TX.

What is a slate roof made of?

slatr roof on white home

Natural materials for your roof

When you want to give your home a unique look and it is time for a new roof, slate roofing is an option to consider. When you compare a slate roof vs shingle roofing, the finished look is a unique beauty that gives a home an amazing curb appeal. When it comes to determining which is better, slate roofing benefits stand out from the asphalt shingle roofing: 

Most homeowners will overlook this unique roofing material because of the unknown. There are capabilities and values with slate roofing that will leave asphalt shingles or other roofing materials behind, such as: 

  • Color and Style: Slate roofing has multitudes of colors, styles, and textural patterns, including graduated installations. Choose a smooth and uniform texture or a rough and rustic texture that matches your home’s architectural style. The colors are in basic blacks and greys as well as greens, purples, reds, and other vibrant colors. A roofing company that offers slate roofing will have a slate roofing guide with all the choices available and can answer any questions. 
  • Lifespan: Slate roofing is made from a natural homogeneous metamorphic rock, comprised of clay or volcanic ash that transformed by a low-grade metamorphism. This rock is millions of years old and is likely to be one of the most durable materials you can have for roofing.  Slate roofing will last on your home for a minimum of 75 years up to 100 years or longer when left in its natural state, sans any sealant. A fire resistant, mold resistant, water absorption material that is frost resistant and less likely to break or other be damage from freezing temperature. 
  • Structure Preparation: Because slate roofing will be extremely heavy, adding as much as 500 pounds to a structure, it requires that an engineering inspection and report be completed before proceeding. There may be a need for additional support to be added to a structure before installing slate roofing. 
  • Pricing: There is no doubt that slate roofing is more expensive than asphalt shingle roofing, up to three times more expensive. 
  • Repairs: Slate roofing can be repaired and should only be done by a roofing contractor with slate roofing experience. An inexperienced contractor can do more harm than good by not knowing what the details of working with slate roofing how to do repairs correctly.

Are slate roofs better than tiles?

Both slate roofing tile and ceramic tiles have their benefits. Slate is a natural, metamorphic rock that forms underground from intense heat and pressure. It is then hand split into flat smooth pieces to create the slate roofing tiles you see. 

Slate roofing is watertight, require minimal maintenance, and this fire resistant materials also regulates a home’s temperature, reducing energy costs. Because it is a natural material, there is no toxics released in production and is 100% recyclable. 

Concrete roofing tile is a trusted roofing material and has been used since 10,000 B.C. on homes, commercial structures, houses of worship, and places of education. It is manmade, mixing cement with sand, oxide, and water into a variety of colors, profiles, and sizes.  A lighter weight material, installation is a little less than slate roofing. 

Can you pressure wash slate roof?

Slate roofing shingles make a beautiful home even more beautiful, but there are things to know about slate roofing. First, it is expensive to install and expensive to repair or replaced. This is a natural material that is durable, yet delicate. 

Debris and moss will build up on slate roofing just like any other roofing, and while it is easy to clean, it should not be cleaned with a power washer. You should never use any ammonia, bleach, or other chemicals on your slate roofing because of the copper components within the slate rock.

slate roof

How do you maintain a slate roof?

Maintenance of a slate roof is minimal but important and should be done with caution.  Given that slate roof is expensive, you want to inspect it after a storm and at least once a year otherwise. The inspection should be done from the ground with binoculars and avoid walking on the slate roofing surface. 

Broken, cracked, misaligned, and missing slate should be noted and repaired or replaced promptly to avoid any further delamination. Any flashings should be repaired or replaced, gutters should be cleaned twice a year and every 5 years, a professional roofing contractor experienced with slate roofing should do a thorough inspection. 

Can you walk on a slate roof?

Only an experienced contractor should be allowed to walk on your slate roofing and only if absolutely necessary.  Slate roofing is an extremely delicate material and foot traffic will shorten its longevity, damaging any tiles that are in questionable condition and breaking any good tiles. 

How long does a slate roof last?

It will probably last longer than the homeowner, even soft slate has a life expectancy up to 125 years with proper care and maintenance.  Hard slate roofing tiles have a life expectancy up to 200 years or longer. 

Slate roofing is an expensive choice in roofing, but with proper installation and attention to care and maintenance, a homeowner will have a beautiful roof for many years to come. Call (832) 766-9994 today for your slate roofing needs in Kingwood, TX.

Is Hail Damage a Roofing Emergency?

hail damage on a tile roof

Is hail damage an emergency?

That almost seems like a silly question, and if it is your car or home, it is more of an emergency to you than others maybe. Regardless, you want to treat it as an emergency and expect others to do the same, especially when it comes to hail damage roof repair.  

Here in Texas, we’re in tornado alley and with tornados comes hail, so hail damage and roof repairs are commonplace for us. Most homeowners know to watch for the scammers and fly-by-night contractors and ask for certifications, insurance, and license from a roofing contractor, or any contractor. 

Yet, there are those homeowners that haven’t lived through and understand the seriousness of hail damage, roof repair, and all the other things that come with Texas weather. Those are the people that we are going to focus on answering basic questions about hail damage roof repair and what hail damage looks like. 

What is hail damage?

You have probably seen hail during your life, but didn’t understand the impact or severity, especially if you were a child. Hailstones vary in shape and size and how hard the stone. Basically, the larger the hailstone, the fewer there are and the further they apart they fall. 

Most hailstones are smooth and almost spherical, sometimes they are elliptically shaped and jagged too. The harder a hailstone, the more likely your home will need hail damage roof repair.

Hailstone damage is usually from the wind as it blows these hard, elliptically, or spherically shaped stones down to earth. Any surfaces left uncovered from a hailstorm will like be blasted with random patterns made by the hailstones. Imagine if your house didn’t have a roof! 

What does hail damage look like on roof?

Each year, hail and high winds can cause billions of dollars in damages in this country alone, accounting for forty percent of insurance claims. It isn’t the obvious tree limb on the roof that costs the most hail damage though. It is the small and unnoticeable damage that can’t be seen by the untrained eye that knows the signs of hail damage 

A professional hail damage roof inspection will know what to look for and find damage you won’t even realize you have. They will discuss the damage with you and what hail damage roof repair is needed. After you’ve been through this once, you’ll become more informed and what common forms of hail damage roof repairs look like and the signs of hail damage after a hailstorm. 

If you notice any of the following, you need to call your homeowner’s insurance company and a roofing contractor that can give you a professional estimate: 

Granules missing

  • The granules on your roof come from the shingles and is a sandpaper-like material that coats the shingles and protects your roof from the elements. When the granules are gone, the aging of the roof is accelerated, and your roof becomes compromised. Check the downspouts and gutters for excessive amount of granules after a hailstorm and if you see what appears to be an excessive amount, call your roofing contractor and homeowner’s insurance company.

Cracked shingles

  • The impact of hard hail and high winds will grab a loose corner of a shingle and bend it, crack it, or totally remove it from the roof. This creates an exposure to your roof, creating bare spots and compromise your roof’s integrity.  

Fiberglass matt exposed

  • When hail impacts a roof, it shatters the surface of the shingles and causes it to break of the fiberglass mat, exposing the underneath to the elements.

Fiberglass mat fractured

  • A fractured fiberglass is hard to detect, which is why you want an experienced and trained contractor to inspect the roof in addition to the insurance company’s inspection. A fractured fiberglass mat will result in crack and tears from the sharp edges of a hailstone.  

Self-seal strip weakens

  • Hail and high winds will weaken the seal on the shingles, compromising the integrity of the roof when the shingles are ripped off and blown away. A bent or cracked shingle has lost all integrity and is not providing your home any protection. A hail damage roof repair or replacement is needed in order to protect your home.  

Is hail damage worth fixing?

This is your home, the largest and most valuable investment you’ll ever make. The roof is a protecting line of defense for that investment and your family against the climate and elements. As the homeowner, you will want to do what needs to be to continue that protection. So, yes, if there is any telltale indication or marks that your roof has suffered hail damage, roof repair should be a priority. 

Does insurance cover old hail damage to roof?

This is a question that doesn’t have a blanket answer.  Every homeowner’s insurance policy is different, every company handles every policy different.  Most homeowner’s insurance policies will cover roof damage that is caused by fire, vandalism, and “acts of God,” like hurricanes and tornadoes. The questionable part that you’ll want to verify with your  insurance agent is if they pay for any roof or other damage to your home from hail, rain, or wind. 

If your roof is ten years old or older and has hail damage, roof repair is not going to be sufficient for an insurance company to be satisfied. They will approve your claim for a roof replacement in most cases of a roof that old However, you may have an estimate for a roof replacement for $30,000 and the insurance company approves the claim for only $10,000.  These are things you want to verify before you need to file a claim. 

hail on roofing system

How long do you have to make an insurance claim for hail damage?

Again, this is something you need to verify within your homeowner’s insurance policy, but in most cases, a standard homeowner’s policy will require a claim for hail damage roof repair be filed with 12 months of the incident. Some policies may have a 90 day limit. You should verify this with your agent or insurance company before you have the need to file a claim or as soon as you realize you have a claim.  

Homeowners everywhere will tell you yes, but does hail damage claim increase home insurance? However, this is not the case every time.  Because hail damage roof repair isn’t a homeowner’s negligence, most insurance companies will not increase rates because of claims file. 

Where rate increases come into action is if you have three claims within three years, and a hail damage roof repair claim is one of those, you could see a slight increase in your rate. So, if the hail damage roof repair is minimal and you can do the work yourself or pay out of pocket to have it done by a professional, you could save yourself some claim issue on your homeowners.

The other factor that can cause homeowner’s insurance rates to increase in areas where homes are prone to hail damage. The rate increase by the insurance company will go across the board to all homes in that vicinity, not just one or two homeowners, even if a homeowner hasn’t filed any hail damage roof repair claims. Call (832) 766-9994 today for hail roof damage in Kingwood, TX.

How do I redo my backyard fence?

worn fence

Keeping your backyard fence at its best

They say nothing makes better neighbors than a good fence, but what about when your fence falls down or starts looking aged and worn? When it is time for fence repair, there are the basic ways to get the job done, then there are other fence repair ideas too, which is what we’ll discuss in this piece today. 

One thing is for certain, when your fence has fallen or looks old, you want to get fence repair or replacement done as quick as possible. While good fences make good neighbors, old, poor condition fence, or fence that has partially fell can make a house look old and worn. Your fence is a part of your landscape and an accent to your home’s architecture, so getting the fence repair done to keep the rest of your home from looking old and worn. 

How do you fix a fallen fence?

Good fences make good neighbors, but a fence is only as good as the fence posts that hold it up. So, when the wind, a tree, or the soil shifting weaken the fence posts, a fence repair job is needed. When the fence has fell completely, the only fence repair that will last is to re-install the fence posts. 

You’ll need to determine what can be reused for the fence repair and what needs to be replaced. Any part of the fence or posts that aren’t broken or have rotted can be re-used, otherwise, you’ll need to detach the fence that is together and determine what new stuff is needed. 

  • Preparation to Reset That Fallen Fence: Start your fence repair by placing the fallen fence sections on the ground with the panel side up and the fence posts on the ground. Hopefully, the fence was put together t with screws and they can be easily removed. Next, place those fence panels and fence posts you can reuse to one side. Any cement stuck to the fence post can be removed using a hammer and brick chisel. 
  • Clean the Fence Post Holes: Your next fence repair step will be to clean the fence post holes out by removing the old concrete and any broken posts. Dig the fence post hole out to the original depth and size, typically this is twelve inches across and twenty-four inches deep.  
  • Resetting the Fence Posts: If you have fence posts that need to be replaced, you’ll need ½ bag of concrete for each one.  Place a post in a hole then pour water in the first hole and using a scrap piece of wood, mix the concrete as you pour the half bag in the hole. Check that its level from back to front then side to side, and even in the row with the other fence post, adjust as needed. Pack dirt around the fence posts.
  • Reattach the Fence Panels: Final step of your fence repair is reattaching the panels. Start with the first one, line the panel edge to the outer side of the first post and insert two deck screws (we recommend three inch treated screws), in the panel face and into the horizontal rail. 

Stand the second fence post upright then line unattached fence panel edge to center with the second post and attach with the same type of screws. Repeat the cement and water in the second fence  post hole and pack with dirt. You’ll repeat this process until you have the new fencing installed. 

How do you strengthen a fence?

To keep your fence looking good,  regular maintenance and fence repair is needed. The most common fence repair is needed because of decaying or rotting wood. The structure of a fence is only as reliable and strong as the support, so with regular inspections, you can catch small issues and get fence repairs made before you have a fallen fence as described above. After you have completed your inspection and assessed the damage, reinforcing the fence rails is fast using these three methods: 

Reinforce the Rails

Damaged wooden fence railing can be strengthened by cutting a 2×4 block that is the same width as the rail then fasten it at each end to the posts. Number 8 deck screws will give the fence maximum durability.

Install a Sister Rail

A rotten wooden fence post doesn’t have to be replaced, simply installing a siter rail as follows will secure the fence repair: 

  • Measure the rail and cut a pressure-treated piece of lumber to the size of the original rail. 
  • Cut any damaged and rotted part of the original rail off.
  • Place the sister rail under the old rail then clamp it every foot for the full length. 
  • Toenail the new sister rail to both sides of the fence posts and underneath.

Once the sister rail is attached  on either end, drill a hole 3/8 inch through both boards every foot and half then increase the stability by inserting carriage bolts.

Rail Splicing

Splicing two rails together will keep your fence looking uniform.  Begin by removing the damaged board and cut the damaged part off at an angle. Place the new board along the old board and trace the cut so you can transfer the angles from the old board to the new board. After cutting the board long the lines so they match, drill holes and using bolts to fasten the new board in place.

How do you stabilize a fence post?

A damaged fence post will lean and wobble, weakening the stability of the entire fence. You can repair fence post without removing it  and without having to replace the entire fence with these steps:

  1. Remove the adjacent fence construction back to the adjoining posts.
  2. Buy 24” long tapered surveyor stakes.
  3. Drive a stake next to the post so that it is level with the ground.
  4. Pull the stake and fill the hole with water, leveling the post with a level.
  5. Pour dry premixed concrete on top of the hole so that any excess water spills out.
  6. Wait 30 minutes for this to set as you work on other fence posts. .
  7. Repeat the process until you’re done. 
  8. After each post has set for a half-hour, check the stability. If still wobbling, repeat the process. 

Do you have to use concrete for fence posts?

You don’t have to, but it is recommended.  A good fence is a good neighbor, and a good neighbor is a stabilized neighbor! If the fence posts become weak, the fence will be weak too and you’ll be doing fence repair much sooner than you should need to.

repaired fence

How do you straighten a fence post without removing it?

As a homeowner, you will find that fence repair and staining is going to be a DIY weekend project that you’ll plan your calendar by. The most common problem with a wood fence that requires fence repair is they tend to start leaning and shifting This is usually caused by soft soil and moisture.  Straighten your fence posts with these steps and you won’t have to remove them:

Step 1: Do a visual inspection and mark the ones that are leaning and need to be straightened. 

Step 2: Remove the panels attached the post so that you have room to work. 

Step 3: Dig around the post base so the concrete shows and prop it with a 2×4 angled against it so that is upright without causing strain then and secure it to another post  with a rope. 

Step 4: Place the post mender between the gap of the concrete base and post. Position the post mender on either side of the parallel post to the railing. Center the post mender on the post then, using a sledgehammer, pound it in the ground.

Step 5: With the post mender fully driven in the ground, the post should now be straight and sturdy.

With routine inspection of your fence, you’ll have fewer needs for fence repairs, leaving only the need to re-stain your fence every year or two. For your backyard fence repair in Kingwood, TX, call (832) 766-9994 today.