Missouri Law Regarding Insurance Claims

homeowners insuranceThere is a Missouri law that was passed in 2012 that is important for homeowners to know about.

This law prohibits contractors from offering to pay for any portion of the homeowner’s insurance deductible. Contractors are specifically prohibited from granting allowances to the insured, offering any discount against the fees to be charged, or paying the insured (or any person) directly or indirectly any form of compensation (including gifts, prizes, bonuses, credits, referral fees, or anything of monetary value).

Additionally, homeowners must be given the contractual right to cancel the contract prior to midnight on the fifth business day if any part of the insurance claim is not covered following written notice by the insurance company. This notice is considered given by the homeowner on the date of the mailing, not the date of receipt by the contractor. A statement notifying the consumer of their right to cancel must be printed in boldface type on the contract and should include a form to be mailed in if the homeowner wishes to cancel the contract. If the contract is canceled, the contractor must return amounts paid, minus payment for any clean up work that may have taken place.

For additional information on this subject, feel free to call (314-378-6623) or email the experts at Schneider Roofing and Remodeling.

Leak Detection and Repair

Roof Leak Repair Contractors in St. CharlesIs your roof leaking? Have you tried to get it repaired only to be told that the only solution is a full roof replacement? Why not let us take a look before you take the plunge. Many roofing contractors do not like to deal with small roof leak repair projects, and the dishonest ones will even lie and say that the only solution is to replace the entire roof.

While this is sometimes true, our decades of experience in leak diagnosis and roof leak repair often means that we can find the source of the leak, and provide the necessary repair quickly and affordably. To learn more or to request a roof inspection, contact us today to learn more about leak tracing and repair.

Roof Inspection and Leak Detection

At Schneider Roofing and Remodeling, when we receive a service call to perform a roof leak repair, our first step is often to conduct a 20-Point Roof Inspection to diagnose and identify the source of the problem. Our technician will provide you with photographs and diagrams of the problem, share his opinion, and present you with a Roof Analysis and Condition Report.

St. Charles Roof Leak RepairThis detailed analysis of your roof will be broken down section by section, with the leak source or sources clearly identified. You will be able to see the actual condition of your roof, and receive expert recommendations based on the information provided.

Before performing any leak repair, our inspection will:

  • Note areas where future leak repairs or upgrades will be required
  • Identify any deteriorated, damaged, missing, or improperly installed components that may allow for water infiltration
  • Map out and identify any active roof leaks for immediate remediation
  • Note areas or sections where roof replacement may be required, now or in the future
  • Present you with options regarding any emergency roof repairs you may need, or temporary repairs we can provide

Performing Roof Leak Repair

St. Charles Roof Leak Repair CompanyOnce our expert technician has identified the source or sources of the leak, you will be able make educated choices about how you would like to proceed. If we recommend that a full roof replacement is required instead of only leak repair, we will be able to provide you with an estimate and talk about roof financing options. However, if it turns out that only minor roof leak repairs are required, we can provide expert and reliable repair services.

With affordable leak diagnosis and remediation services, we can save our clients thousands of dollars over complete roof replacement and give our customers the peace of mind that the repairs will last often even prolonging the life expectancy of your roof.

To learn more about our roofing repair services or to schedule an appointment to have your roof inspected for roof leak repair service, contact us today online or by phone at 314-378-6623!

Call a Local Roofing Company

Should Something Happen to Your Roof, Make Us One of Your First Calls!

wind-damage-1Spring is almost here and brings with it some of the most active storm months. Storms can mean “bad news” for your roof! You might be faced with leaks, missing shingles, or some other type of damage. If that’s the case, call us (a local roofing company) a call!

Areas that are hit by large storms are often the first targeted by storm chasers. These storm chasers can be contractors from hundreds of miles away, who rush to areas hit by storms. Often, their only goal is to replace as many roofs as possible, collect as much money as possible, and then leave as quickly as possible.

Few storm chasers put any type of value on customer service, roof quality or craftsmanship. Speed is their primary concern. And in a year or two, when a big rain hits and a few leaks pop up, you’ll call them only to find a disconnected number! That is something you will never have to worry about with Schneider Roofing and Remodeling. We’re from here. This is our town. We value great work, and in the uncommon occurrence that a problem arises, we’ll be right here to fix it.

There’s another reason why you will want to call us should something happen to your roof: we have a long history of working with insurance companies. We will be more than happy to meet with your insurance adjuster as he/she evaluates your property. We can act as an advocate for YOU, so you receive the absolute best outcome with your claim. Often, we can point out things to an adjuster that they may have missed, and as a result, you benefit!

We hope you don’t have to call us with an emergency from a springtime storm, but if you do you will know that your interests are our first priority. You can count on us to provide you with excellent, long-lasting customer service!

Don’t Ignore Your Roof!

roof inspectionIt’s easy to take your roof for granted. When it rains, you know that you’re not going to get wet. When the hot summer sun shines, you know that you will stay shaded and comfortable. When the wind blows, you don’t have to worry about a chill running through your body. However, when a roofing problem appears, it can drastically interrupt your life!

In some cases, roofing problems can lead to big messes. For example, if you leave town for several days and a leak appears, you’re not able to stop the water damage to your home before it’s too late. And then there are the slow, small leaks — they can cause water damage in your attic and they can allow mold to grow.

Everyone’s dependence on their roof is why Schneider Roofing and Remodeling recommends having it inspected at least once a year. Believe it or not, over that short period of time your roof can change drastically. Shingles may have fallen off exposing your underlayment. Water may have begun seeping into your attic. Sun may have caused segments of your roof to fry. Anything is possible.

Call us at Schneider Roofing and Remodeling for an inspection. If you’ve noticed some odd things going on with your roof, this offer is meant especially for you! When your roof is in good shape, it means that it’s not interrupting your life and causing you headaches. Call 314-378-6623 or click here to email us for a comprehensive inspection from Schneider Roofing and Remodeling!

Gutter Repairs and Replacement

Damaged and sagging gutters are not just unsightly. Neglecting your gutter repair needs can actually cause long-term damage to your roof, vinyl siding, and foundation. That is why it is so crucial to take care of your gutter issues when they start, rather than waiting until minor issues turn into big problems.

Gutter Repair Service in St. CharlesAt Schneider Roofing and Remodeling, we are here to help, no matter how big or small your gutter repair issues. The fall and winter are particularly important when it comes to maintaining and repairing your storm gutters. Falling leaves do not seem heavy, but gutters can easily get clogged with leaves. Then, when it rains, those leaves become heavy and can begin pulling away from the house. Clogs can even cause heavy rains to back up onto the roof, causing pooling and leaking. The same goes for melting snow and ice during the winter. No matter what your concerns, we can help make sure that your gutters are in the best possible condition.

Determining Whether You Need Gutter Repair

Gutter problems can often be difficult to spot until they develop and worsen. Here are a couple simple signs to watch for:

  • Are there shingles missing, or can you see that the edges of your roof shingles are curling up on the ends? This can be a sign that your gutters are flooding and water is flowing back onto the roof, causing damage.
  • Are your gutters or downspouts pulling away from the walls they are attached to? If the attachments are failing, you should have a professional come out as soon as possible to perform and inspection and repair as this relatively minor gutter repair can easily turn into something much more serious if left unattended.
  • Are you seeing excessive staining or mold on your home’s siding, around the gutters, or near the foundation? This can be a sign of inadequate drainage, and may be an early indicator of potentially serious foundation or roofing damage.

Gutter Repair vs. Replacement

St. Charles Gutter Repair CompanyFortunately for St. Charles residents, Schneider Roofing and Remodeling is here for all of your gutter repair and installation needs. If you need complete gutter replacement or new installation, we offer standard and seamless aluminum gutters with a baked enamel finish in a variety of colors. Our standard package offers 5” gutters with 2” x 3” downspouts, or you can upgrade to 6” gutters with 3” x 4” downspouts, which are ideal for larger roofs. If you do not need complete gutter replacement, we can also provide you with a gutter repair estimate where we can patch your existing gutter system.

In additional to gutter repair and replacement we can also install gutter covers on your new or existing gutters. These covers are a good way to extend the life of your gutter system (not to mention your roof, siding, and foundation). This additional layer of protection will protect your gutters from damage and clogs all year round, and can be particularly valuable if your home is heavily tree-shaded or with regards to protecting your gutters from snow during harsh winters.

Spring Cleaning

spring cleaningIt is almost Spring, so it is time to start thinking about Spring Cleaning! This is something thousands of households across the country will participate in over the next couple months. During the chilly winter it is easy for dust and clutter to overwhelm your home and sanity. This year, you can combine your spring cleaning strategies with your big-picture financial objectives. Here are five ways that spring cleaning can help you save some big money.

1.Reduce taxes. Have piles of clothes that you’re planning on ditching? Well, when you drop off your old sweatpants and T-shirts at your local charity, keep a total of how much you’re giving. If you don’t have a receipt, be sure to ask for one!

2. Get better organized. Speaking of taxes, make it a point to start organizing all of your financial documents, especially donations. It will make tax time a breeze. You will also likely notice that you’re taking full advantage of any tax incentives or deductions that you can make. Often people forget throughout the year the different organizations they’ve supported.

3. Keep an inventory. Like most households, you probably forget just how much stuff you have shoved in closets and under sinks. Make a conscious effort of tracking down and documenting what you have. Often people overbuy certain items they don’t believe they have, but really do.

4. Fix it up. Cleaning gives you a chance to evaluate your home. Notice and fix any little problems now, before they become much bigger and require you to hire a handyman or a contractor for help. You could save hundreds over time.

5. Sell it. Fill a box (or two or three) of any items that you really don’t use anymore. Explore selling them at yard sales, second-hand stores or online.You might be shocked the value of the stuff just lying around your home.

Reasons To Call Schneider After The Storm Hits

What a mess!! A big storm rolls through town and hits your home hard, and your roof took an absolute beating. You’re missing shingles, which are now scattered all over your yard. Maybe, you’re facing an even more difficult situation, such as a hole in your roof and water is leaking into your home…

At Schneider Roofing and Remodeling, we’ve been serving our community for a long time. We have seen too many homeowners “take on” their insurance company after a big storm causes damage. They never seem to be satisfied with their claims or the repair to their home. Here are five reasons to give us a call and prevent the frustrations we have seen with so many others:

1. You Get a Thorough Evaluation! We won’t spend just a few minutes walking around your home or snapping pictures from a car to evaluate the damage of your roof and attic. Instead, you will get a complete 17-point inspection and diagnostic of your roof. We will get on your roof and in your attic to evaluate everything closely. That’s the best way to find hidden damage. The last thing you want is for an undiscovered problem to cause massive damage to your home months later!

 2. You’ll Know Your Options! After you’ve received a 17-point inspection and diagnostic of your roof, you will be given a variety of options. Hopefully, your roof only needs a simple repair. But if you require a new roof, you may be able to choose from a variety of shingles. Sometimes the insurance company will “adjust” your claim by calling for the lowest (and cheapest) grade roofing materials. After our inspection, you will know exactly what your roof needs.

3, You’ll Get Insurance Help! Once you’ve selected the best option for your home, your job is done! It’s time to let Schneider Roofing and Remodeling go to work for you! That means contacting your insurance company and explaining the work you would like (and need) performed on your home! We’ve been working with insurance companies for years, and we know how to get the roof that you want.

4, You Get Roofing Professionals! You will get the repair or new roof you want because we have experience dealing with insurance companies. They trust us because we’re licensed, insured, and all work is performed up to code. They also know that we’re customer service experts, and only the best people work for us. All employees are highly trained, drug tested, and background checked. You only get the best people and the best products when working with us!

5. You Get Long-Term Support! You also get roofing professionals that will be here to stand behind our work! We offer the absolute best guarantees and warranties! And should you have a question or issue, you can give us a call at any time, and we’ll be there immediately! This is our community, too! We take pride in making sure everyone is completely satisfied!

Roof Inspection

20 Point Roof Inspection Services in St. Charles

At Schneider Roofing and Remodeling, we are committed to providing you with the most cost-effective roof repair or roof replacement solutions. That is why, in many cases, we recommend investing in our 20-Point Roof Inspection before making any big decisions about your roofing repair. As an expert roofing company, we can help you understand the exact condition of your roof and what the best decision is for you. To learn more about our services or to schedule a roof inspection, contact us today.

The Value of a Thorough Roof Inspection

Roof Inspection in St. CharlesReplacing a roof that only really requires light patching or limited shingle replacement is a financial mistake – but so is pouring money into patching a roof that has deteriorated beyond repair. With our 20-Point Roof Inspection, you get an in-depth analysis of your roof’s condition (with digital photographs for visual confirmation), so you know exactly what the problem is, where it is, and what your repair choices are.

During the roof inspection, we will analyze your roof section by section and component by component, trace out for you just where roof leak repair is needed, identify any missing, damaged, or improperly installed components, and lay out a prioritized plan of action, starting with emergency roof repairs and ending with a long-term maintenance plan. Then, one of our expert technicians will walk you through our roof inspection findings, so you can decide just what is right for you and your budget.

Our 20 Point Roof Inspection includes checking for:

  1. Roofing Inspection & RepairCorrectly aligned shingle overhangs on all gutters and eves
  2. Proper attic ventilation
  3. Blockages in attic intake vents
  4. Moisture damage to interior drywall, insulation, etc.
  5. Correct attic or crawlspace insulation thickness, possible displacement, or water damage
  6. Rust or other damage on gas pipe vents and connections
  7. Cracks, nail punctures, or deterioration at seams between eaves and other low points of the roof
  8. Roof liner cracking, deterioration, or gaps
  9. Leaking seams, improperly installed or degraded fasteners, and blockages in gutters
  10. Damaged or degraded soffits and fascia
  11. Loose or missing flashings at chimney, walls, and other connecting points
  12. Loose, split, or missing shingles
  13. Wind, hail, or other weather damage
  14.  Damaged or improperly sealed plumbing vent flashings and air vents
  15. Blockage and torn screens on gable vents and related openings
  16. Protruding or sunken nails and nails that have punctured shingles
  17. Curled, brittle, or deteriorated shingles
  18. If there are any tuck pointing requirements with chimney and chimney cap (in brick construction)
  19. Wood degradation on deck and other add-ons
  20. Deterioration, splitting, and proper attachment at hip and ridge cap shingles

Choosing the Right Roof Inspection Company

Whether you are in the market for minor roof repairs, a whole new roof, or simply are not sure what you need, we strongly recommend having a complete roof inspection performed before committing to any repairs. Often times, customers come to us believing that they have no choice but to replace a roof completely only to discover, after the roof inspection, that the damage is much more limited than they thought.

St. Charles Roof InspectionUnlike some dishonest roofing contractors, we do not shy away from small jobs and we will not try to upsell you simply to make more money. As a local company, serving St. Charles and the surrounding areas, we do not believe in trying to sell you a product that you do not need. We want to create lasting relationships with our clients, and that means providing you with the best possible value.

So if you are searching for a roofing company in the St. Charles area that you can trust to be straightforward and honest about the condition of your roof, contact us today to schedule your roof inspection!

Siding Repair

Siding Repair Services

Though vinyl siding is known for its durability, every once in a while Mother Nature throws a curveball. High winds and hail can damage your siding, leaving you with unsightly loose paneling and exposed insulation. Fortunately, Schneider Roofing and Remodeling can help with all your vinyl siding repair needs.

Siding Repair in St. CharlesThe three most common types of vinyl siding repair jobs we see include the repair of cracked panels, chipping, and holes gouged in the material from impacts with hail and other debris. These may seem like easy DIY fixes, but with siding repairs attempted by those other than licensed siding contractors, you run the risk of invalidating your manufacturer’s warranty or homeowners’ insurance policy. Therefore, all siding repairs are best handled by the professionals.

To learn more about how we can help, contact us online or by phone at 314-378-6623.

Vinyl Siding Repair: How Siding Damage Happens

Vinyl siding is one of the hardiest, most weather-resistant finishes on the market. Unfortunately, once damage is done, the elements begin to work against you. High winds push and pull loose panels in different directions, creating a kind of ‘peeling’ effect. As the winds creep under the loose paneling, they gradually pull compromised pieces further and further off of the house, damaging fastenings, underlying insulation, and weather-sealed liners in the process.

Vinyl Siding Repair: What To Do When Damage Occurs

St. Charles Vinyl Siding RepairThe most important thing to know about siding repair is that it is crucial to address damage as quickly as possible. Minor cracks and chips can be sealed, but if the vinyl siding begins to pull away from the house, it can bend and warp. This may damage the panel beyond repair and can necessitate a replacement. Additionally, it will slowly pull other panels away from their fastenings, causing the damage to spread throughout the siding and possibly even compromising the underlying wrap or insulation.

Having a certified siding repair contractor out to inspect and repair the damage as soon as possible is your best bet when it comes to minimizing damage and saving money.

Roof Boot Leaks

roof bootsThere is a potentially dangerous and costly problem lurking in our neighborhoods. It has to do with what we call a “roof boot.” They are the coverings that go over the vent pipes that stick out of your roof. Many of them have been allowing rain and melted snow to leak into homes.

Every home has plumbing vent pipes. These pipes run up from a kitchen or bathroom and out through your roof. The problems arise when the coverings around these pipes peel up or get shifted with the natural movements that occur on your roof from expansion and contraction. Some roof boots can move with your roof – but not the type that most builders put on homes. In fact, the ones used on many are the cheap, ineffective kind. That means that it’s not a matter of “if,” but “when” these roof boots fail and water starts leaking into your home.

If your roof boot covering fails, rain water will leak into your home and travel along the vent pipe. This is where the problems begin. The average amount of damage to homes from water is about $5,000! Damage can occur to expensive hardwood floors, walls and ceilings, and to “hidden” areas behind walls, such as insulation and drywall. Not only could this run in the tens of thousands of dollars to clean up and repair, but it promotes the growth of mold and mildew, which can have dangerous health consequences.

Routine roof inspections will identify the health of your roof boots and allow for replacement before leaking occurs. This is an inexpensive proactive measure to save you lots of worry and potentially money. Give us a call to schedule an inspection. Let us make sure your roof boots are functioning properly, as well as inspect the entire roof.