We are proud to acknowledge our CEO and Leader, Jennifer McGrew. Her tireless efforts to family, community and our company keep us all growing strong. The joy and honesty in which she conducts herself in this life are humbling to witness.
Keep your roof in top shape this spring. Learn why debris causes leaks and damage, and how to prevent costly repairs with these expert cleaning tips.
When disasters strike, fast action is essential. Academy Roofing offers licensed, insured emergency tarp installation in NC—including Wilmington and Surf City—to protect your property from further damage while easing the restoration process.
Roofing designers are rethinking vapor retarders in favor of air barriers. Learn how air-transported moisture impacts roof performance, energy codes, and longevity.
Discover how GAF’s Timberline HD architectural shingles elevate curb appeal and durability. Installed in pewter gray at a place of worship in Atlanta, paired with EverGuard TPO for lasting beauty and performance.
Join the team at Academy Roofing! We’re hiring experienced roof repair technicians in Atlanta. Grow your career with a trusted roofing leader for 25+ years.
Here is a tale of two roofing stories.
Academy Roofing recently experienced first hand how homeowners are not in good hands with Allstate. Especially since the recent hail and wind damage storm.
Story # 1
The first story begins with an elderly lady who called our company because one of her neighbors recommended Academy Roofing. The homeowner knew that her roof was getting up there in age and wanted an estimate to replace the roof.
As usual, we checked out everything and began measuring when we noticed immediately that roof had severe hail damage. Not the kind of hail damage that one has to squint to make out but this is the kind of training material to give as examples of hail damage to shingles. This is the kind of damage to shingles that you find when one simply does a google search.
Mother Nature Never Rests! Should You?
Extreme weather, animals, leaves, falling debris, satellite or cable work, accidents can cause immediate and serious damage to a roof – even a new one. The National Roofing Contractor’s Association recommends that roof inspection and maintenance be performed regularly to help avoid future problems. Read more
How insurance companies underpay on roof claims.
Insurance companies use a program to estimate damages to your property called Xactimate. This program is owned by Verisk Analytics whose parent companies include Travelers, AIG, & The Hartford. In other words, the insurance companies own the software program for which their adjusters write estimates for claims. While there could be many conflicts of interests involved here, we are going to focus on a big one that affects the roofing industry.
Xactimate’s default for removal of any trade is under the category code Demolition (DMO). Demolition requires the utilization of a separate crew of non-specialized laborers for removal. Non-specialized laborers would be considered day laborers who are uninsured. Xactimate assumes roofing companies use two different crews throughout the process. This is an incorrect assumption.
Roofing companies do not use two separate crews when replacing the roof. They do not use uninsured day laborers to remove the existing roof and then another skilled labor insured crew to install the new materials. It is the law to have workers compensation. The same insured skilled labor crew is used for both the removal and installation. Xactimate list skilled insured labor as (RFG) as a trade.
So, why does Xactimate default to demolition day laborers (DMO) when insurance companies know the truth? The answer is simple. Money.
Here is a screenshot of the line item for 3 tab 25-year shingles where they have it defaulted to DMO. The unit price for removal using their default day laborers is $44.73.
When the removal trade is changed from DMO to RFG the price increases significantly to account for using skilled labor with general liability and worker’s compensation. Here is what that looks like. The unit price for removal changes from $44.73 to $108.36. That is a difference of $63.63 on this one line item.
To put this into perspective, if you have a 4,000 square foot roof that needs to be removed, by the default being DMO it saves the insurance $2,545.20 on this one line item. This is just one line item where it defaults to DMO. On the average claim, there are five to six line items where it defaults to DMO.
What did Academy Roofing’s Insurance Agent say?
Academy Roofing has discussed this issue at great length with our insurance agent and there are a couple issues that they have stated.
“Concerning General Liability: Most policies for a general contractor do NOT provide coverage for any sub-contractor that does not have workers comp and general liability insurance. It’s a requirement of the general liability contract for any and all sub-contractors to carry coverage.
Concerning Workers Comp: Workers comp auditors count as roofing any person as a roofer if they are on a roof at any time during their occupational duties. You cannot count them a demolition because of the height issue, which you cannot avoid or ignore. Furthermore, by trying to get a contractor to classify roofing as demolition is tantamount to FRAUD because this contractor will have to LIE to an auditor to have this work rated as demolition instead of roofing. The rate for Roofing is 103.74 compared to 29.41 for debris removal. This is sticking a contractor with an additional charge of $74.33 for every $100 they pay to these laborers.”
What is the solution?
Have your contractor submit a supplement to the insurance company requesting they change the default DMO to RFG along with a letter from their insurance agent.
This might take multiple attempts talking to your insurance adjuster or their superior as many adjusters aren’t aware of the conflict of Xactimate defaulting to DMO does to the claim. However, be resilient and don’t let up. Hopefully, in time, they will correct this error within Xactimate and stop defaulting to demolition day laborers.
