FAQ's

A: To ensure that you have enough damage worth filing a claim for. There are specific criteria that must be met for a claim to be covered by your insurance. LR & E wants to help you avoid claims that will negatively impact your policy.

A: Not anymore! Insurance companies and most reputable roofing companies use the same third-party program, called Xactimate, to generate your estimate based on the fair market value in your zip code.

A: At Lousberg Roofing & Exteriors we believe it is important to look at who you’re trusting to work on your home based on the longevity and reputation of the business, the quality of the materials used, if the company is insured, if the company is licensed to pull permits in your jurisdiction, and if they can provide solid reviews and referrals from satisfied customers. We also want to warn you to watch out for any signs of insurance fraud! This can come in many forms but a common one you’ll see after a storm is a company willing to waive a deductible and/or cutting corners to and save the customer money out of pocket. This has actually become such an issue in Colorado, hence why Colorado Senate Bill 38 was created.

A: Not all Class 4 shingles are made the same! We highly recommend Polymer modified asphalt (SBS) shingles because of the excellent results from impact resistance tests, both from the factory and from our customers who chose this product in the past. Aside from holding up in high impact evaluations and helping prevent leaks, choosing this product may potentially qualify for a lower monthly premium with your insurance*. *Every insurance company has different policies. You will have to check with your company and policy to see if discounts apply for SBS.

A: It is actually considered Insurance Fraud for a contractor to waive, pay, or rebate a deductible payment for a customer on any roofing replacement over $1000. Colorado Senate Bill 38 requires a written and signed contract between the property owner and the roofing contractor that follows all listed criteria on the bill.

A: There is not one answer to this question except that we highly recommend you contact a qualified inspector to help you decide if you should call your insurance company after a hail storm. All insurance companies have their own policies they follow. Please check with your specific insurance company to determine if there will be any sort of negative impact on your policy with multiple claims filed within a set amount of time.

A: A general contractor is a professional hired to organize all subcontractors needed to complete projects to restore your home. A general contractor will hire the best subcontractors and negotiate costs needed for the work done on your home. A good general contractor will manage all subcontractors to ensure all work is done properly and in a timely manner.

A:Hiring a general contractor makes it easier for a homeowner to get a project completed without having to worry about who to trust and/or hire for each trade needed. A general contractor takes care of all the planning and managing of the subcontractors, giving the homeowner time and ability to take care of normal daily living.

A:At Lousberg Roofing & Exteriors, we require 10% Overhead and 10% Profit of a completed job. This payment is necessary for the operating costs of the project and paying the general contractor for their supervision and coordination of all subcontractors and work completed.

A: Insurance should cover the overhead and profit to pay a general contractor because it’s part of the scope for the work being done. Every policy is different but a homeowner does have the ability to prove that this cost is necessary for the project being completed by professionals instead of by the homeowner themselves.