4510 S Federal Blvd Englewood, Colorado 80110

3525 N Cascade Ave #204 Colorado Springs, CO 80907

(303) 761-6400(24/7)

(719) 434-3020(24/7)

Tips To Make Sure Your Roof Deck Is Up To Code

Keeping Your Decking “Up To Code” Coverage

Recently one of our project managers was called out to a property to provide a roof estimate and answer some questions for a homeowner. He inspected the roof decking and spoke with the homeowner, and he came back to the office with this story.


Preface:  Before plywood was used for roof decking, 1×6 wood planks were used, usually leaving a gap (1/8 to 3 inches) between the planks.


Redecking a roof is costly and adds thousands of dollars to a roof estimate.


Background: This home was built in 1895 and had spaced plank decking.


The customer had her roof replaced about 10 years ago and instead of re-decking the roof, the contractor filled the gaps between wood planks with 2x2s leaving a ¼ inch of space.


This is strongly against the manufacturer’s installation specifications and violates code.

roof decking violation


Story:  Last summer, a huge hail storm hit her neighborhood. She knew that her roof was totaled, and that she would also have to redeck the roof.  So the homeowner contacted her insurance company to file a claim and get her roof replaced. Later she found out some bad news.


As it turns out, the homeowner didn’t have Code Upgrade Coverage on her home insurance policy. Code Upgrade means that in the event of an insurance claim, the physical structure of the home will be replaced according to current code. With Code Upgrade Coverage, these costs are included as part of the settlement money.  No Code Upgrade Coverage = No insurance money to redeck the roof.


Unfortunately, this homeowner will have to pay thousands of dollars out of pocket for redecking.


Conclusion: Every homeowner should make sure they have Code Upgrade Coverage.  It costs almost nothing (1-2% of the total policy) and can end up saving you thousands of dollars in an insurance settlement.


Call your insurance agent today to make sure you have Code Upgrade Coverage! And call Excel Roofing for any questions about redecking or any of your roofing needs.


UNDERSTANDING YOUR CLUE REPORT

Most insurance companies subscribe to a service called CLUE (Comprehensive Loss Underwriting Exchange) generated by LexisNexis.


CLUE is a claims history database that enables insurance companies to access historical consumer claims information.  This national database clearinghouse not only tracks claims made by individuals, but also tracks claims made for a specific property, giving you a report similar to a credit score.


CLAIMS MONITORING AND YOUR CLUE REPORT

The claims you file, including roof inspections that you request from insurance companies (even the ones that don’t result in a paid claim) will most likely be part of your CLUE report.  At renewal time, your current insurer will review your claims history as well as your current CLUE report to set your premiums, and may cancel you if you have a bad report like having too many claims. If you decide to shop for new insurance, the other companies have access to your claims history through your CLUE report.


Your claim history follows you just like a credit score.


So even if you buy a new house and move, your past claim history follows you.  Information is also tracked about specific properties.


If a property is identified as having hail damage from the storm 5 years ago (yes, storm history is also tracked), and then a new claim is later filed for the damage, your insurance company will know the property claim history and if fraud is being attempted.


Because filing a claim (requesting a roof inspection from your insurance company triggers a claim) will adversely affect your report, you shouldn’t call your insurance company unless you’re sure they will pay you a claim.  The Door-Knockers are always going to tell you to call your insurance company, guaranteed.


The best advice is to call a reputable roofing company, like Excel Roofing and have them do an honest inspection of your roof before you call your insurance company.


If you’re interested in having Excel Roofing come inspect your roof, contact us today!

Why Homeowners and Businesses Choose Us

Colo Radans
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Excel Roofing is the only roofing company I would trust and recommend to others. Kevin M. is extremely helpful and professional at all time with his experience and knowledge.
Ralitsa Carter
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I highly recommend consulting with a true roof insurance expert like Excel Roofing, as there are a lot of details one can easily miss if not in the field on a regular basis.
Mary Kimball
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Omar came out and repaired some of our inside ceiling where the nails lifted the drywall. He is an amazing worker, a master at his job. Ask for Omar as he is a real asset to Excel Roofing!
Cindy L
Local Guide
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This company has gone way beyond my expectations. Thank you Jay and especially thank you JR for doing such a great job, being dependable, on time and affordable.
Rick Sturdivant
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Troy Lindsay and his team did a great job installing a new roof. They even worked with me when I wanted a solar-powered attic fan installed and helped me size and choose one.
brian niles
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These guys are top notch! You will not find better service anywhere!! Thank you Excel!!
Dustin Sieve
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I would absolutely recommend Excel roofing for any roofing, gutters or painting. I plan on using them again for any future claims.
Eric Zietlow
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Eric the project manager answered all calls and e mails promptly, addressed any concerns, and followed up on small issues. Good looking roof, no headaches or stress on my end.
Nicki Shields
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The building inspector said this was one of the best roof jobs she has seen, she was very impressed. I highly recommend Excel Roofing for roofs, siding, and windows. I could not be more pleased! Look no further.
Sonny Romero
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Matt Foster was our Project Manager. Matt was very friendly, knowledgeable, and professional. He was involved from the estimate through the final inspection. Excel Roofing did an outstanding job.
ANDREW RODWIN
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Troy and his crew were outstanding. He explained the details every step of the way. They gave us a job date and completed on time.
Kevin Donahue
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Unlike the other companies who bid my roofing job, Excel (Brock) was not pushy and the deal did not have to be signed before he left the house. I am extremely pleased.
Ana Kauffman
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Love Chris, had my best interest in mind during the entire roof replacement process. He was able to rush the job for us given that we were nearing the closing date of the sale of the house.
Andy Dimmen
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Throughout the process I had one point of contact at Excel (Brock). Brock managed the entire process so that I didn’t have to do a thing. I will recommend Excel to everyone I know
Taylor Hood
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I would have given 5 stars. Giving 4 because of how hard Matt worked to get project finished and they were priced very reasonable compared to other roofing companies.
Beth Rogers
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Troy and his crew went above and beyond for us. Working to help us navigate insurance claim. Great job, on time, on budget, house looks great. Couldn't be happier! Highly recommend Mr Troy and his crew!
Bob Andersen
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wonderful company to work with.. from the initial call for someone to come look.. the project manager Bob was at the house within an hour.
Mindy Densmore
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They showed up on time, determined the problem, showed us a video of what to do to prevent it in the future and and took care of it immediately. I highly recommend Excel.
j snoy
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I definitely recommend and will use again. Chris the project manager was very quick to respond and quite reliable. Overall, a great roofing experience.

Denver, Colorado

4510 S Federal Blvd
Englewood, Colorado 80110

 

Phone: (303) 761-6400

 

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Colorado Springs

3525 N Cascade Ave #204 Colorado Springs, CO 80907

 

Phone: (719) 434-3020

 

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Sheridan, Wyoming

1574 N Main Street
Sheridan, Wyoming 82801

 

Phone: (307) 763-4050

 

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Casper, Wyoming

373 Lakeview Drive
Casper, Wyoming 82604

 

Phone: (307) 237-770

 

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