By The Coffee Shops™. 

Understanding how insurance evaluations influence repairs, replacements and roof restoration. 

When storm damage strikes, homeowners often wonder what exactly their insurance will cover. In their article, “Repair vs replace: How insurance companies decide what happens to your roof,” The Third Estimate shares insights into how insurance companies assess damage and how homeowners can make informed decisions to avoid costly surprises. 

First, The Third Estimate team explains the importance of a proper inspection for getting accurate documentation of storm damage, reducing disputes and enhancing coverage outcomes. It is important to note that storm damage is not always visible from the ground; things like wind/hail damage, granule loss, cracked shingles, ventilation problems, structural concerns, lifted tabs and installation defects are often only diagnosable by a professional getting up on the roof. 

From there, they shared that even if there are issues on the roof, not every roof requires a full replacement. Depending on your roof material and condition, there are three general options: 

1. Repair: Fix isolated storm damage when the roof is otherwise in good condition. 
2. Replace: Install a new roofing system when damage is widespread, or the roof has reached the end of its lifespan. 
3. Restore: Use specialized restoration systems to extend life and improve performance for aging but structurally sound roofs. 

When it comes to how insurance adjusters decide which of these options will be covered, they are prioritizing cost control and restoring property to its pre-loss condition. Oftentimes, this means that repairs are typically approved when damage is limited, replacement shingles are available, the roof is generally in good condition and functional restoration is possible.  

Overall, if your home is damaged after a storm, your insurance should either perform an on-the-roof evaluation of the damage or look at clear evidence from another professional’s inspection, to determine whether repair, replacement or restoration best addresses the roof’s condition. 

Read the full article from The Third Estimate to learn more.

By Emma Peterson. 

Essential insurance information every homeowner should know about.  

Insurance is one of those frustrating, bureaucratic parts of life that no one likes spending time thinking about. But when something as expensive as your roof starts having problems, insurance is what can keep those unplanned repair costs from becoming crises. So, how do you actually file an insurance claim for your roof?  

In general, there are two ways that homeowners' insurance policies pay for roof repairs:  

1. Replacement cost coverage: This pays the full cost of the repair/replacement of the damaged part of the roof with materials that match the kind and quality of what was damaged. 
2. Actual cash value (ACV): This pays the replacement cost of the materials that were damaged, subtracting depreciation. In action, this means that the roof settlement received under these plans depends heavily on the age and condition of the roof before the storm. 

Once you understand which policy you have, it’s time to take a look at what type of damage is covered. Most homeowner insurance policies cover what is considered “sudden and accidental” damage. This type of damage can come from a variety of sources, including wind, hail and falling tree limbs. What this doesn’t include is maintenance for normal wear and tear to your roof due to aging. In general, if a severe storm or event comes through your area and leaves your roof damaged, it’s worth it to look into filing an insurance claim.  

So, how do you apply this knowledge to real life situations? Once a storm has passed and it is safe, walk around your home and assess the state of the structure, both inside and outside. Look for issues like missing shingles or water leaks in ceilings or walls. If you see any of these signs, start taking pictures of them, note the dates and times, and keep your feet on the ground!  

While it might be tempting to get a better look at the roof, it is important that you call a licensed roofer for any further inspection. Roofs that have been damaged after a storm or other event can be extremely dangerous. Getting on the roof yourself not only poses a risk to your safety but can also exacerbate existing damage. Additionally, having that professional perspective can help your claim. As the team at the Third Estimate puts it, “[Professional roof inspection] documentation helps ensure the insurance adjuster has a complete picture of the damage.” 

Once you have collected all the photos, testimonies and records into one claim file, you’re ready to send it off to your insurance. If you’re worried about what happens if they say no, check out this article all about handling denied roof insurance claims.

By The Coffee Shops™. 

The Third Estimate outlines why expert inspections are the safest and most reliable way to address roof damage. 

In the article “The Hidden Dangers of DIY Roof Repairs,” roofing professionals at The Third Estimate highlight the risks homeowners face when attempting to repair roof damage themselves. While a missing shingle or small leak may seem like a quick weekend fix, industry experts warn that roofing is more complex — and dangerous — than it appears. 

One of the most immediate concerns is safety. Roofs often feature steep slopes, uneven surfaces and materials that become slick when wet or worn. Without proper training, safety equipment and footwear designed for roofing work, climbing onto a roof can lead to serious injury. Even walking across shingles incorrectly can cause additional damage that makes the problem worse. 

Another challenge is that visible damage is often only part of the issue. What looks like a simple missing shingle or minor leak could indicate deeper problems beneath the surface. Water intrusion can travel through roofing systems and impact decking, insulation or attic spaces, potentially leading to rot or mold growth. A quick patch may temporarily cover the problem while allowing structural damage to continue developing out of sight. 

Improper repairs can also create new issues. Using the wrong materials or installing a patch incorrectly may cause water to pool, compromise drainage or fail during the next storm. Without the experience to properly evaluate the full roofing system, including ventilation, flashing and structural components, DIY repairs can unintentionally increase long-term repair costs. 

Because of these risks, professional roof inspections play a critical role in identifying problems early. At The Third Estimate, technicians conduct a detailed 21-point inspection that evaluates shingles, flashing, gutters and attic ventilation. The process also includes drone technology to capture high-resolution images of hard-to-reach areas, giving property owners a clearer understanding of their roof’s condition. 

For contractors and homeowners alike, the takeaway is clear: addressing roofing problems correctly the first time helps prevent costly damage and safety risks. 

FAQs about DIY roof repairs 

Is it safe to walk on my roof to look for leaks?  

No. Walking on a roof without proper roofing footwear and training can lead to serious injury and can damage your shingles further.  

Can I just nail a new shingle over a missing one?  

Using the wrong materials or incorrect installation techniques can cause water pooling and compromise your drainage system.  

How do professionals find hidden roof damage?  

Experts utilize a detailed 21-point inspection and drone technology to capture high-resolution images, ensuring no hidden rot or mold goes unnoticed as well as documenting all findings properly. 

Read the full article from The Third Estimate to learn more about the potential risks of DIY roof repairs and how professional inspections can help protect homes.

Original article and photo source: The Third Estimate

By Emma Peterson. 

How roofing companies are changing veterans’ lives, one home at a time. 

With a constant news cycle, it’s hard to keep up with everything happening in the world. But we are here to share some good stories about good people. For your daily dose of happy news, here are four stories of communities coming together to protect veterans who have spent their lives protecting our country.  

1 – A Texas Navy veteran 

A roofing company in southeast Texas, SETX Roofing Pros, held a community giveaway, “Operation Overwatch,” at the end of last year. The recipient of the giveaway was Anthony Cordel, a disabled Navy veteran living in Lumberton, Texas. Anthony served aboard the USS San Jacinto from 1996 to 2001. At the end of his career, he was medically discharged after being diagnosed with Becker’s muscular dystrophy. 

After returning home, he was faced with new limitations and expenses that made big home repairs, like a roof replacement, out of reach. So, when SETX Roofing Pros selected him for their Operation Overwatch giveaway, they couldn’t believe it. As Anthony told 12News, “I’m at a loss for words. It didn’t seem real until the supplies arrived yesterday.” 

For Steve Pike and the team at SETX Roofing Pros, they were just happy to make a difference in their community. He shared, “Roofs aren’t cheap, and we work hard all year long. This may be another day at the office for us, but we’re really trying to make an impact in Southeast Texas.” 

2 – A Korean War veteran in Wisconsin 

Heading North, we have a story about a veteran in Madison, Wisconsin. Gerald Boehnen served in the Korean War in 1951 and 1952, and his son nominated him for Heins Contracting’s sixth annual Roofing A Vet campaign. When he found out that he was chosen for a new roof free of charge, he was shocked, telling WMTV, “I couldn’t believe it to be truthful because I never won nothing in my life.”  

When asked about the campaign and reroofing, Bryan Heins, co-owner of Heins Contracting, simply said it was born of a desire to give back to the men and women who served our country. He shared, “It feels great to give back to people and especially giving back to people like our veterans where I feel like for everything they do for our country that they don’t quite get enough recognition especially the older veterans when they’ve been through so much.” 

3 – An Ohio Air Force veteran 

Over in Ohio, the Third Estimate runs a program with a similar goal of giving back to veterans called the Third Patriot Project. Through this program, they are able to provide a free roof for one or two veterans each year, veterans like Jared Bzdock.  

Jared served in the U.S. Air Force over the course of six years and was deployed on two tours in Iraq. He found out about the program when he met Tara Colopy, the CEO of the Third Estimate, at his local Veterans Association. When Tara heard that he and his wife’s roof, which had been replaced just five years ago, was going soft and losing shingles, she knew that she and her team could help.  

Jared almost couldn’t believe it, telling News 5, “Who does that? Who gets a new roof for free? Most people think of a roof like, ‘Oh, it's just a roof.’ But no, it's like somebody handing you $20,000. It's amazing.” 

4 – A National Guard veteran from Minnesota 

Our final story today comes from Minnesota and centers around Trevor Nelson, a U.S. Army National Guard veteran. Trevor has dedicated his life to serving and giving to others, having joined the guard at 17, back in 2003.  

Last fall, the Owens Corning Roof Deployment Program, Purple Heart Homes and Priority Construction came together to give Trevor a thank-you gift for his decades of service – a brand-new roof! The gift was incredible for Trevor and his family, who told ABC 6 News, “I got the call while I was at work, kind of beside myself, I didn’t think I’d get approved... It’s very humbling, it’s surreal that this is getting done and I won’t have to worry about my roof for another 20, 30 years, [it’s incredible].” 

By The Third Estimate. 

Investing in an upgraded gutter system can help you avoid expensive repairs and protect your home from serious water damage. 

Gutters play a critical role in protecting a home, yet they are often overlooked until damage appears. When debris collects and water cannot drain properly, the results can include roof leaks, rotting fascia and even foundation issues. At The Third Estimate, we want homeowners to understand the damage that can arise from aging gutter systems. Enlisting a professional to install new gutters with gutter guards provides a long-term solution that prevents costly repairs and preserves your home year-round. 

Why old gutters struggle in the fall and winter 

Most older gutters were never designed to handle the volume of leaves, twigs, and debris that fall from mature trees. When gutters become clogged, water has nowhere to go. Instead of flowing safely through your downspouts, water can overflow onto your roof, damage shingles, rot fascia boards or even seep into your home’s foundation. 

Even if you clean your gutters regularly, old gutters can sag, pull away from the roofline or develop leaks over time. Once that happens, your home is vulnerable to every rainstorm. That’s why replacing old gutters is often the safest and most cost-effective solution. 

The advantages of new gutters with gutter guards 

Installing new gutters is the first step in protecting your home but pairing them with gutter guards takes that protection to the next level. Here’s why this combination works so well: 

1 - Prevent water damage – Gutter guards keep leaves and debris out, ensuring water flows freely through your gutters and downspouts. This protects your roof, siding, and foundation from leaks and water damage. 

2 - Reduce seasonal maintenance – Climbing ladders to remove leaves multiple times each season is not only time-consuming — it’s dangerous. Gutter guards drastically reduce the need for frequent cleaning, saving you time and worry. 

3 - Increase gutter longevity – New gutters are designed to withstand industry-standard wind and snow load ratings, and gutter guards help them stay free of clogs that can cause rust, sagging or separation from the roofline. 

4 - Enhance curb appeal – Modern gutters come in a variety of colors and styles that complement your home, instantly improving its appearance while protecting it from the elements. 

Signs you need new gutters 

Even if your gutters aren’t completely clogged, there are several signs that it’s time for an upgrade: 

• Water spills over the edges during rainfall 
• Sagging or detached gutters 
• Visible rust or cracks 
• Leaks near downspouts 
• Excessive debris buildup that keeps returning 

If you notice any of these issues, it’s time to consider professional gutter replacement. 

Why choose The Third Estimate 

At The Third Estimate, we specialize in professional gutter installation along with high-quality gutter guards. Our team ensures that your new system is installed correctly, protecting your home for years to come. We understand how important it is to safeguard every part of your home, from the roof and gutters to windows and siding, so you can enjoy the seasons without worrying about hidden damage. 

Protect your home now 

Don’t let falling leaves and winter weather create problems that cost thousands of dollars in repairs. Installing new gutters with gutter guards is a smart investment that protects your home, reduces maintenance and enhances curb appeal. 

Original article source: The Third Estimate

By The Third Estimate. 

Stay festive and roof-safe this holiday season with this guide to holiday lights! 

As homeowners decorate for the holidays, many reach for ladders and lights before considering the safety and security of their roofs. Here at The Third Estimate, we want you to be aware of one of the most common mistakes this time of year: attaching lights with nails, screws or staples. While these methods may be easy and convenient, they can compromise roofing and gutter systems, potentially leading to more serious and costly repairs.  

Why nails, screws and staples damage your roof 

Shingles are designed to shed water and protect your home. When you poke a hole through them, even a tiny one, you break that protective layer. Water can slip in, and once moisture makes its way underneath the shingles, it can lead to leaks, rot and interior damage. What starts as a quick decorating shortcut can easily turn into a costly repair. 

How fasteners harm your gutters 

Gutters carry water safely away from your home, but when they crack or bend, they cannot do their job. Screws, staples and nails can damage the metal, which leads to poor drainage, ice buildup and sagging sections. A damaged gutter system puts your roof, siding and foundation at risk. All that trouble just for a strand of lights is completely avoidable. 

Never tuck lights under shingles 

Trying to lift a shingle to slide lights or clips underneath is another common mistake. Shingles are sealed tight for a reason. Once that seal breaks, you open the door for wind-driven rain, ice and debris to get inside. It can also shorten the lifespan of your roof and cause shingles to blow off in strong winds. 

The safe and simple solution: Use plastic clips 

Plastic holiday light clips are the safest way to hang Christmas lights. They attach securely to the edge of your roof or gutters with no damage at all. These clips keep your lights in place through winter weather and come off easily when the season ends. They are affordable, easy to use and completely roof safe. 

Keep your home merry and protected 

Decorating for the holidays should be fun and stress-free. By avoiding nails, screws, staples and anything under your shingles, you protect your home from unnecessary damage. Stick with plastic clips, enjoy your beautifully lit home and keep the magic of the season shining bright without any surprise repairs later. 

Original article source: The Third Estimate

Disclaimer: The information provided on AskARoofer.com or information sent by emails is the opinion of the writers. It is the responsibility of the reader to check for accuracy in one's own jurisdiction, as there are different codes and restrictions for different parts of the country. AskARoofer.com does not accept any liability for the use of information on this website or email. AskARoofer.com has no controls over product failures, installation, or climate conditions that may change the roofing process in your area. Our information is in general to our area and cannot be the same as your local town or state. It is advised to seek the local Building Department, Licensed Contractor and local Product Representative for proper installation requirements and code enforcement when installing a new roof.  

By The Third Estimate.  

The Third Estimate’s Think Third Patriot Project honored veteran Jared Bzdok, whose home has become a cornerstone of his Copley community. 

Every year, The Third Estimate partners with Owens Corning and the Roof Deployment Project to donate a free roof replacement for a veteran through their Think Third Patriot Project. This fall, the honor went to Air Force veteran Jared Bzdok, whose Copley, Ohio, home had long served as a gathering place for the whole neighborhood.  

Having served six years in the Air Force and two tours in Iraq dedicated to search-and-rescue operations, Jared is very deserving of this gift. When he arrived home, Jared dedicated his life to his family — his wife, Anita, and their three sons — as well as his community, leading baseball clinics, coaching youth sports and opening his home to local kids for a safe space to play.  

Fixing what was left behind 

Five years ago, the Bzdoks replaced their roof, but the job wasn’t done very well. The roof was soft, shingles were falling off and moisture was trapped under reused underlayment. 

During a local Veterans’ Association lunch, Jared met Tara Colopy, CEO of The Third Estimate, and learned about our Think Third Patriot Project. This program donates a free roof to a veteran or first responder every year. He applied, was selected and our team got to work. 

Since the roof was in such poor shape, we had to completely resheet his roof. We rebuilt his roof, installed new gutters and ensured everything was up to code, this time built to last. 

A day of community and gratitude 

The installation day felt more like a neighborhood block party. Jared grilled burgers, hot dogs and slow-cooked brisket for the crew and everyone who stopped by. Kids played football and soccer while families gathered to celebrate a deserving veteran. 

Jared summed it up perfectly: “Most people think of a roof as just, oh, it’s just a roof. But no, it’s like somebody handing you $20,000. It’s amazing.” 

In a touching moment, Jared gifted Tara a bottle of Horse Soldier Bourbon, crafted by veterans who served after 9/11. The thoughtfulness behind the gift brought her to tears. 

Original article and photos source: The Third Estimate

By The Third Estimate. 

A strong, healthy roof starts with smart choices, so begin with a clean slate! 

When it comes to roofing, cutting corners isn’t saving; it’s setting you back. At The Third Estimate, we believe the smartest investment you can make in your home starts at the top. Installing a single, properly sealed layer of shingles doesn’t just protect your roof; it protects your home, your wallet and your peace of mind. If you’re weighing your options, this is your chance to make the choice that pays off for years to come and invest in the proper single layer of shingles. 

So, what’s the problem with layered shingles? 

1 – Weight that your roof can’t handle 

Roofs are designed to support one layer of shingles, not two (and definitely not three). Adding more weight than it was built for can strain the structure, leading to sagging, cracking or even collapse over time. Think of it like wearing three winter coats in July, heavy, sweaty and totally unnecessary. 

2 – You’re trapping problems underneath 

When new shingles are laid over old ones, there’s no way to see what’s going on underneath. Leaks, rot, mold and damaged decking all get buried and ignored. By the time you realize something’s wrong, the damage is deep and costly. 

3 – It shortens the life of your roof 

Shingles are made to lie flat on a smooth surface. Layering over old, curled or damaged shingles means the new layer doesn’t seal properly. That opens the door for wind, rain and ice to do their worst, speeding up wear and tear. 

4 – Warranties can get voided 

Most manufacturers and roofing companies won’t honor warranties if shingles are improperly installed over an old layer. So, if something fails, guess who’s footing the bill? You! 

5 – You’re just delaying the inevitable 

A second layer doesn’t solve problems; it hides them. And when the time finally comes to replace everything (because it will come), it’ll cost more to tear off multiple layers and repair the damage underneath. 

So, what should you do? 

If your home has layered shingles, don’t wait for signs of damage. Have your roof inspected by professionals who can give you a clear picture of what’s going on up there. In many cases, a full tear-off and proper replacement is the smartest (and safest) investment you can make. 

Original article source: The Third Estimate

By The Third Estimate.  

Your contractor should offer more than just a good price; they should ensure a smooth project and quality results. 

Your home is one of your biggest investments, so choosing someone to work on it can be stressful. Too often, homeowners focus primarily on cost alone, choosing the cheapest or most convenient option. However, here at The Third Estimate, we want you to be empowered to choose the right contractor for your projects with sufficient information and confidence. We’ve prepared five key questions that you should ask potential contractors before making your decisions. After all, a positive contractor-homeowner relationship can bring more than just a job well done; it can also provide peace of mind.  

1 - Are you licensed and insured? 

This might sound basic, but it is one of the most important questions to ask. A legitimate contractor should be fully licensed to operate in your state and carry both liability and workers’ compensation insurance. That protects you in case something goes wrong, such as damage to your property or a worker getting injured on the job. If a contractor cannot provide proof of insurance or a valid license, that is a red flag and is not worth the risk. 

2 - Can you show me recent local work? 

Photos are good, but real references are better. A reliable contractor should be able to show you recent jobs they have completed in your area and connect you with past customers if you want to hear about their experience. This gives you a sense of their quality, professionalism and how well they follow through. Bonus points if they have before and after photos, or if you can drive by and see the work for yourself. 

3 - What is included in the estimate? 

Not all estimates are created equal. Make sure the quote includes more than just the total price. You want to see details like materials being used, labor breakdown, warranty info and what happens if the project takes longer or hits unexpected issues. A vague estimate can lead to surprise costs later. A detailed one shows the contractor knows what they are doing and is being upfront with you from the start. 

4 - Who will actually be doing the work? 

It’s important to know who will be on your property and doing the work. Some companies use additional trusted professionals as part of their process. It’s okay to ask how the contractor manages their team and who you should contact if you have questions while the project is underway. Having a clear point of contact helps make sure everything goes smoothly. 

5 - What happens if something goes wrong? 

No one likes to think about problems before they happen, but a good contractor will have a plan in place if something does. Ask how they handle project delays, weather issues, unexpected damage or mistakes. Also, ask what kind of warranty they offer and what it covers. If the answer is vague or they seem annoyed by the question, that is a warning sign. A trustworthy company is transparent about how it protects its customers and its work. 

The bottom line 

A great contractor should welcome your questions and be happy to walk you through their process. At The Third Estimate, we want homeowners to feel confident, not confused. That is why we give clear, detailed estimates, show you exactly what we see during your inspection and never pressure you into a decision. Whether you hire us or not, we are always happy to help you ask the right questions. 

Original article and photo source: The Third Estimate

By The Third Estimate. 

A bio-based breakthrough that breathes new life into aging shingles. 

It’s not hail or hurricanes that quietly destroy most roofs, it’s time. The slow, creeping damage from sun, snow and seasonal shifts quietly ages shingles until your once-sturdy roof is brittle, leaky and begging for replacement. But what if you could skip the full tear-off and still protect your home for years to come? That’s the promise behind Eco Revive Roofing from The Third Estimate, a game-changing, eco-friendly treatment that’s rewriting the rules of roof maintenance. 

Our solution 

Eco Revive Roofing is a 90% bio-based USDA-approved oil solution. When applied, Eco Revive Roofing replenishes vital oils in your shingles, restoring their natural pliability and durability. With this application, you give your roof a fresh start with a clean and powerful formula that’s safe for your home and the environment. This not only extends the life of your roof but also helps reduce unnecessary waste. Every year, millions of tons of roofing materials end up in landfills — by choosing restoration over replacement, you’re making a greener choice for your home and the environment. With Eco Revive Roofing, you get a stronger, longer-lasting roof while reducing your carbon footprint. 

We understand that an exterior renovation is a big decision and investment. If you aren’t ready for a complete replacement whether that be due to cost, timing or the disruption possibility. If your roof is compatible with the product, then the Eco Revive Roofing process takes three simple but lasting steps: 

• Repair: To apply the solution and ensure it will be effective our roofing experts will thoroughly inspect your roof. They’ll repair any damages, ensuring it is in top shape before the rejuvenation begins. 
• Refresh: We thoroughly clean your roof to remove years of build-up and debris creating a fresh foundation. 
• Revive: The Eco Revive solution is applied to your roof via a targeted spray. This spray saturated your singles in the essential oils needed for them to protect your home. Our formula brings your shingles back to life and restores their flexibility. 

Within hours of completion, your roof will look like new. Our roofing treatment is backed by a five-year warranty that allows you to have peace of mind and be confident with the results. 

Signs that Eco Revive Roofing could be for you 

• Moss or algae growth: Moisture exposure from moss and algae can weaken and age your roof faster. 
• Withering shingles: Cracked, curling and granules breaking off could mean your shingles are drying out and losing their protective oils. 
• Faded color: As roofs age, they can lose their coloring and look dull which can be revived. 
• Water stains or leaks: Stains could mean there are leaks from your roof that need to be fixed. 

If your roof shows any of these signs call a roofing professional to inspect your roof. At The Third Estimate, our dedicated roofing professionals will give your roof a 21-point inspection and let you know what your roof needs. 

Original article and photo source: The Third Estimate