November 26, 2024 • 24 mins
Can you afford to misunderstand your insurance policy when a hurricane strikes? Join us on the Carolina Contractor Show as we unravel the complexities of post-hurricane home management. You'll learn the crucial first steps to take after a storm has wreaked havoc on your property, including the importance of promptly filing insurance claims to secure a place in the repair queue amidst potential supply chain disruptions. We emphasize the necessity of having your claim numbers at your fingertips, capturing photos of the damage for ironclad documentation, and the pros and cons of hiring contractors for temporary repairs. We also address common concerns about signing contracts for immediate repairs with practical advice that will bolster your decision-making confidence during these trying times.
Furthermore, we shine a light on the often-overlooked intricacies of hurricane insurance, dispelling misconceptions around flood coverage and the true costs of hurricane damages. Our discussion also navigates the legal waters of dealing with overhanging tree branches and the responsibilities tied to tree removal after a storm. With insights drawn from historical hurricanes like Katrina and Hazel, we explore how past experiences have shaped our current understanding and preparedness. This episode is your go-to guide for managing the aftermath of a hurricane with savvy and preparedness, ensuring you're equipped to handle both the expected and unexpected challenges that come your way.
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Episode Transcript
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Speaker 1 (00:06):
Welcome to the Carolina Contractor Show with
your host, general ContractorDonnie Blanchard, brought to you
by GAF, the world's largestroofing manufacturer, gaf.
We protect what matters most,what matters most.
(00:32):
Goodbye August, hello September, and welcome to the Carolina
Contractor Show.
My name is Eric Smith.
I do inside sales for HomeBuilders.
Supply in Wilson and Greenville, across from me the yin to my
yang, the up to my down, theleft to my right, the good to my
bad.
It's general contractor DonnieBlanchard.
He's also the owner of Sure TopRoofing and Blanchard Building
Company and just by our jobdescriptions we hope that gives
you an idea what the show isabout.
Yeah, we like to talk aboutyour house and building things
(00:54):
and DIY projects and repairs andrenovations and hopefully our
job descriptions kind of mean wemight know a teeny bit about
those subjects.
If you don't believe me, youcan go to the website
thecarolinacontractorcom.
I'm going to talk about that alittle bit more in a minute, but
I do want to preface this with.
Today's show is going to betalking about what to do after a
hurricane or tropical stormrolls through.
(01:15):
Now we have the remnants of adahlia coming through.
It hit Florida in the Panhandleregion earlier in the week, and
now it's kind of off in betweenthe outer banks and Bermuda,
just kind of sitting therecausing its own havoc, but not
on land.
So I guess that's good.
But anyways, you might need togo around your house and take a
look at it, especially if you'rein the eastern part of the
state where you got more effectsof it.
(01:36):
But you might not know exactlywhat to look for after a
hurricane or a tropical stormrolls through.
So we're going to focus on that.
Back to the websitethecarolinacontractorcom.
Maybe there's another subjectyou want to listen to.
Well, we've uploaded yearsworth of shows and they're
organized by the subject.
So if there's somethingspecific you want to learn about
or listen about or get our takeon, you can go to the website
(01:59):
and download it in podcast form.
We also have links to ourFacebook page up there.
We've got links to our YouTubepage.
We got links to Instagram Kindof a secret, that's not a secret
.
We're going to be on TV nextyear, that's right.
But anyways,thecarolinacontractorcom, all
right, let's focus on today'sshow what to do after a
(02:21):
hurricane and anytime there is anatural disaster, whether it
was like the fires in Hawaii orHurricane Adalia, if you want to
do something quickly to helpsupport them.
Check out your local Red Crossor search it on the web and you
can make a donation there.
But one thing that was a bigproblem just a couple years ago
with the COVID pandemic was wehad a short supply of
(02:43):
construction materials.
We had short supplies ofeverything, but construction
materials were becoming scarce.
You had to wait longer beforeyou could get them, and anytime
you have a supply issue and it'scompounded by a natural
disaster, things get very hairyvery quickly.
Fortunately, the time it takesto get building supplies for
repairs and things like that isnowhere as bad as it was a
(03:03):
couple of years ago, but stillthere can be some delays.
Donnie, I want to start offright there.
The idea of a natural disasterhitting this time of our lives,
the past few years, and havingsupply issues, that's kind of
worrisome.
Yes, sir.
Speaker 2 (03:19):
Everybody that's worth their salt right now in
the construction world arealready backed up months, as it
is, Like I said, just a laborshortage thing.
All these factors combined itwouldn't be pretty.
Speaker 1 (03:28):
Well, then let's jump into today's subject on the
Carolina Contractor Show.
By the way, you can listen topast episodes, including the one
we did that was getting readyfor a hurricane, at the website
thecarolinacontractorcom, and atthe end of the show I'll tell
you some of the other thingsrelated to the website that can
help you out.
But today we're talking aboutwhat you need to do after a
hurricane or a tropical stormhits, especially if you have
(03:51):
damage, and, donnie, you know alot about this, so let's start
off with you calling that claimin.
If you have damage, it's got tobe the first thing, right?
Speaker 2 (04:00):
Absolutely yes, sir.
I used to see people waitaround for a couple of weeks to
call the claim in because theyjust didn't know any better.
But having that claim numberhandy it's usually a 1-800
number with most insurancecompanies and they have a call
center there that's made tofield those calls and basically
direct you to the right area,the right adjuster but I would
have that number handy If weknow a hurricane's coming.
It just takes a couple minutesto go ahead and have that,
(04:22):
because you know the internetmay be out, you may have to dig
for that with papers or, forwhatever reason, may not have
easy access to that.
So having that number to get inline because everybody in your
zip code is doing the exact samething and you know first come,
first serve is kind of how theinsurance companies work.
I would say the follow-up tothat is to have a contractor on
call and you're more than likelygoing to have a need for
(04:43):
temporary repairs.
One thing that's important todo is have that contractor.
If they come out to tarp yourroof, for instance, you want to
take pictures of the damagebefore the tarp goes on.
So pretty much everybody has asmartphone in their pocket now
and that's not a tough thing todo.
But having pictures of thedamages prior to the temporary
repairs could save you fromhaving to undo those temporary
repairs when the adjuster comesout.
A lot of times these adjustersare computer guys so they're not
(05:05):
qualified to take that tarpback off and install it the same
way a roofer would, forinstance.
Another thing that goes alongwith this is people say do I
sign a contract when they comeout?
Because a lot of pushy roofersreally are the first people to
get you to sign what's called acontingency agreement and we've
talked about this on a past show, it just hasn't been recent.
But a contingency agreement isnot an illegal thing.
But what it does is it locksyou in to work with that
(05:27):
particular contractor and whatit says is if they get your roof
paid for by the insurancecompany, that they have to
actually do the work.
Where it gets a little bit hairyis a lot of these guys are
storm chasers that do this.
So most of the companies have a1-800 number on their truck and
they've come in from Texas orfrom the Midwest or something
and they're just trying to makea quick buck, and we always
steer our listeners away fromanybody who's just in town
(05:49):
temporarily because somethinghappens.
Even if they put a good shingleon, you're not going to have
any recourse if somethinghappens with that roof.
It's guaranteed that they'regoing to use all subcontractors
so they don't use the samepeople from job to job to job,
and I just think it's ano-brainer to use a local roofer
in that circumstance.
Speaker 1 (06:04):
Hey, Donnie, I got a question Is a homeowner
responsible to mitigate damages?
So if they get a crack in theroof and there's water coming in
, or whatever the case may be,do the policies all of them do
it, or do some of the policiesrequire that?
Speaker 2 (06:21):
Yeah, they pretty much all do, and within reason.
If it's a two-story roof andit's a steep slope, they don't
expect you to get up thereduring the rainstorm, but they
do expect you, you know, to goahead and get that at least
temporarily patched up beforethe next rain hits, for instance
.
So it is the directresponsibility and we mentioned
that a little bit last week thatmitigation of damages is
definitely on the homeowner.
(06:41):
If you let something go for aweek and just let it keep
raining in your house, they'retechnically not obligated to pay
for that.
Their measuring stick or theirrule of thumb in the insurance
world is they have to put youback where you were before the
storm, and you know that'swithin reason on their end too.
So they have to put you back topar, not no more, no less.
But if the house conditiondeteriorates because of someone
(07:02):
neglecting it or just not takingthe appropriate action, they do
have a little recourse in that.
And you know, taking picturesand videos before the cleanup
and before you make a lot ofmoves is a really big thing for
documentation.
Speaker 1 (07:12):
You know, one thing we mentioned last week, and I
think it's so important, is, ifyou're watching a tropical storm
or a hurricane and you've gotseveral days before it affects
you, that's probably a good timealso to take pictures and
videos of your house, especiallythe outside, because you would
be able to quickly demonstrateto an insurance company.
This was my house three daysbefore that hurricane.
You can see it was well kept,the pool was clear, this tool
(07:38):
shed was in excellent shape andthen, if there's any damages
again, I'm making an assumptionan insurance company would
probably be more motivated toget this settled and get you
back to where you were beforethe storm, because you have
excellent documentation.
Speaker 2 (07:50):
Agreed, yes sir, they really like it when you do that
and it just shows that you'vedone your part, that you know a
little bit about the situationand that you're a responsible
homeowner.
So they have to do this peryour locale and group you
together with other appointmentsthat they may have in that area
(08:18):
.
So you may luck out and getthem second or third day, but a
lot of times it takes as much astwo weeks for them to come out
and what they'll do is theyspend a few hours documenting
everything and they use asoftware.
Most of them use a softwarecalled Xactimate and Xactimate
generates prices quarterly, socalls it Xactimate, and
Xactimate generates pricesquarterly.
So Raleigh has a differentprice code from Greensboro and
they take in the house valueinto account for that.
(08:39):
But what happens is they inputall your measurements and
information into this softwareand for whatever is damaged it
will crank out a value for themto give you.
So a lot of times they'll tellyou well, go get three estimates
.
You can do that, but I may goagainst some of my insurance
friends when I say this.
They're wanting you to go getthe lowest estimate possible.
So the value that they normallygenerate with their software is
going to be more than what yourestimates will be, especially
(09:01):
if you're using localcontractors, so you can get
those estimates.
However, it gets a little hairywhen you start turning those
into the insurance companybecause they're going to give
you the money from the lowerestimate.
You don't really want to do thatto yourself, but a lot of
people just don't know.
They think that they're doingtheir due diligence.
They will issue a check outafter they do the measurements
and enter all that into thesoftware, get the value.
They'll issue a check andbasically a breakdown for
(09:24):
everything that they're payingyou for.
That check will usually be inthe form of a two-party check,
because most people don't owntheir house outright, so it'll
be you and the bank.
This is another thing to goahead and get ahead of before
the storm hits, because a lot ofcases you don't have a local
branch for your mortgage holderand you'll have to mail that
check off.
So if you wait two weeks for acheck, you may have to wait
another two weeks to get thatcheck endorsed and mailed back
(09:45):
to you.
So a lot of banks actually havea, not a call center, but they
have a location thatspecifically does this.
So having all that in orderbefore knowing exactly where to
send what when you actually getthat check will speed up the
process.
And a lot of people say, well,they only paid me, they
depreciated everything and theyonly paid me for a certain
amount.
That depreciation in most casesis recoverable.
What they do is depreciate it.
(10:06):
They make sure that youactually go through with the
work.
After you do that, your rooferor your contractor should know
the correct documents to submitto them to recover that
depreciation.
So they usually give you about70% upfront and then they'll
retain that 30% for the backendafter your deductible is removed
already All right In a coupleminutes.
Speaker 1 (10:24):
Donnie, I want you to go into some detail about
coverages and endorsements andstuff.
But we all know after a stormor any sort of event that
affects your home, you've got atree through the middle of it or
you've got flooding.
You obviously know those arethings that need to be called in
and you make a claim on becauseyou can see it easily.
But there's a couple of thingsI want to go over real quick
that after a storm you need tolook for because you might not
(10:46):
catch it with a casual view ofyour house.
If it's safe, check your atticand what you're looking for is
water coming in.
If it's safe, check your atticand what you're looking for is
water coming in wet spots on theinside.
Obviously a small branch smallbeing relative, you're talking
something just a few inches indiameter.
With the speed of winds and thegeneral weight they can poke a
hole in your roof, no problem.
(11:07):
So look for things like that.
No one ever thinks to look attheir HVAC units for damage.
Something can fall on that anddamage them, bend something,
cause a disconnect.
Obviously, check your cars.
If you see standing watersomewhere, try to drain it
because that, especially underyour house, is just no fun to
(11:28):
take care of.
Two weeks later, have asubmersible pump.
If you don't already, you canget them for under $100.
But be careful if you have likeextension cords putting them
around or underwater.
And the big thing abouthurricanes that people don't
realize is flooding kills morepeople than the actual hurricane
event.
People try to go out, and tooearly after a hurricane they
(11:49):
don't.
They look at rivers.
For some reason we're justdrawn to a river that's swollen
and flooding, but it can take aweek or more for those things to
crest.
And this is where I wanted youto talk about stuff.
We assume that our homeownersinsurance includes a rider or a
policy on floods and we assumeanything tied to the hurricane
(12:12):
covers your house.
But it's not that black andwhite, right Donnie assume
anything tied to the hurricanecovers your house.
Speaker 2 (12:16):
But it's not that black and white, right, donnie?
No, sir, a flood policy isactually a completely different
policy than a homeowner's policy.
So homeowners does not coverflood.
They do have an endorsementthat you can add for a sewer
backup and things like that ifyou have a basement.
But flood policy is completelydifferent.
And important to note thatflood policies max out at
$250,000.
So that's the most you can getfor a flood policy and most
people choose to get the maximumamount of coverage because if
(12:37):
you do in fact get flooded, it'spretty much no saving anything
that that water touches,especially if it gets up above
the 18 inch mark where theoutlets are.
But yeah, that kind of goes backto me saying know about your
insurance coverage, know who tocall with the insurance company,
because knowing how muchcoverage you have, what
(12:58):
endorsements you have, is reallyan important thing.
And you know, once you get thedamage and you don't have a
particular endorsement, it's toolate and a lot of people, a lot
of insurance agents, are kindof lazy.
They've had the same clientsfor 20 years.
They get everybody in theirfamily, so you know they may pad
you for what the house wasworth 10 years ago.
But house values, like wecommented a few shows back, have
went up so much that it'simportant to have the
appropriate amount of coverageand the rule of thumb in the
(13:19):
insurance world is that youshould carry at least 80% of
what the house is worth.
So basically what that is issaying if you've got a half
million, a half million dollarhouse, you should have at least
$400,000 in coverage.
And why that's important is thatif you do not carry they made
us do these things when I was aninsurance adjuster called ITV
(13:39):
insured to value reports and ifyou do not carry at least 80%,
you disqualify yourself fromregaining that recoverable
depreciation that I justmentioned.
So that's called.
People say I have replacementcost coverage.
That's called RCV forreplacement cost value.
The other version of aninsurance policy is called an
ACV policy, which is actual cashvalue.
(14:00):
That means you get thedepreciated amount only and the
recoverable depreciation justisn't an option and carrying
less than that 80% house valueautomatically disqualifies you
from RCV and gets you ACVcoverage.
Speaker 1 (14:16):
Wow.
So with these house prices thepast couple of years
skyrocketing up the values,that's probably something a lot
of people need to look into.
Speaker 2 (14:25):
Yeah, it's a big deal .
When I was in New Orleans forHurricane Katrina, there were
people headhunting theseinsurance agents.
They were insurance agents thatjust never moved back to
Louisiana because of that.
And you got to think, you know,these people were wiped out.
The upper part of their housewas on their homeowner's
insurance, of course, with theroof being pretty much gone and
the lower portion of theirhouses had been flooded in some
cases.
And you got to think about thebig numbers that we're talking
(14:47):
here $400,000 worth of insurancepayout, and if that got reduced
down to $200,000 and you didn'tget your depreciation back, you
know somebody's got to pay forthat.
So those are some big numbersthat ruined a lot of people's
lives.
Speaker 1 (14:59):
All right, this is the Carolina Contractor Show,
talking about things you need todo after a hurricane,
especially if you've got to makea claim and there are common
damages.
You see, after a hurricane hits, and I guess most of that's
just completely dependent on thewind speed.
Speaker 2 (15:14):
Donnie right, yes exactly the most we really ever
see around here is a Category 1or a 2.
And I'll go through the windspeeds just to clarify that.
But a Category 1 is sustainedwinds at 74 to 95 miles an hour.
Category 2 picks up at 96 milesan hour and goes all the way to
110 mile an hour, which soundsscary.
But category three which iswhat Katrina was when it
actually made landfall uh is 111miles an hour to 129.
(15:38):
Uh.
Cat four is 130 to 156 and acat five is you might as well
not even think about it becauseit's it's pretty much going to
wipe everything out in its path.
And a funny story that peoplethought Katrina was a category
four or five and it came in at athree and you know the majority
of the damage was that the levy, the wind speed broke the
levees that flooded the basinand people say New Orleans is in
(15:59):
a bowl.
But you know that that was.
It was a lot of factors thatall came together to to really
mess that place up back in 2005.
But yeah, that was only a Cat 3.
Speaker 1 (16:08):
And I remember the strongest storm Well, I don't
remember it because I wasn'teven a glint in my dad's eye but
the strongest storm that hitNorth Carolina, that was
Hurricane Hazel and that was inOctober of 1954.
And that made landfall as aCategory 4 hurricane.
And you go back 50 years, 50,60, 70 years.
When a hurricane hit it wastotally different, the effects
(16:29):
it would have.
Now, one beef I do have when itcomes to the cost of a hurricane
, meaning they tally up all thedamages and they say climate
change is causing more damaginghurricanes because look at the
cost it is to replace all thisstuff.
They never take inflation intoeffect.
This stuff, they never takeinflation into effect.
(16:50):
So something that in 1954 cost$25,000 to build the equivalent
house built, today they wouldsay $150,000.
And they're saying well, thedamage is much worse.
The damages adjusted forinflation aren't that great.
But anyway, go over some of thethings that happen when these
hurricanes hit, especially, likewe said, wind damage to your
roof.
That's very important, andespecially with roofing in
general, like sure top roofingdoes.
Speaker 2 (17:09):
Yeah, that was a really good point.
By the way, on the inflationand talking about how they try
to attribute climate change tohigher numbers and everything, I
never thought about it that way.
But yeah, wind damage to yourroof is probably the most common
thing we see with a hurricanewhen it passes over and
primarily we see damage to threetab roofs.
I have probably 200 roofs righton the coastline that are all
architectural.
They're all the GAF Timberlineseries and when I installed a
(17:31):
lot of these back in 2018, wehad, I want to say, three
landfalling hurricanes that yearand I haven't lost a single
shingle to date.
They had a 130 mile an hourwind rating on those Timberline
back then and then the next year, in 2019, they wrote the new
ASTM standards that go in thecode book and they tested these.
We've commented on the test andhow they did it, which is hard
to wrap my mind around, but theycouldn't get the shingles to
(17:53):
blow off, so they actually testout now with an unlimited win
rating, meaning if you lose yourshingles, you're probably going
to lose more of the house thanthat A cool thing that GAF does
for a roofing manufacturer to do.
I want to say that the windrating on a three-tab shingle is
about 60 miles per hour.
(18:13):
So that's not even a categoryone.
And when people put theseshingles on we harp on no
three-tab all the time becausethe three-tabs are just so
inferior, they're very prone towind damage and they have three
independent tabs on each shingle.
That you know.
Once they flip up and breakthen you're at the mercy of the
weather there and I just thinkit's a no-brainer.
The labor is the same toinstall this architectural
shingle and the three tab in thearchitectural.
(18:34):
The only difference is theprice of the material.
So definitely recommend orpoint people towards the
architectural in that situation.
Second thing I would say mostcommon is downed trees.
So a lot of people don't eventhink about that big, tall pine
tree that may be on the eastside of your house.
But if we get something fromthe Atlantic and it comes, you
know, comes west pretty hard,then it's going to push those
especially pines with.
(18:55):
They don't have a really strongroot structure so they're very
prone to go down with anythingmore than, say, a 60 or 70 mile
an hour wind.
So take an inventory on thosetrees, like you said last week.
I think is a very importantthing before the hurricane hits,
whether it be wind damage tothe roof or maybe a tree makes
contact with your roof, normallywe'll breach that envelope and
put a hole in your house, whichchanges the pressure and a lot
(19:16):
of other damage can happen as aresult of that.
But once the envelope isbreached, you know water.
That water intrusion is goingto basically keep going into
your house until the rain passesover and heaven forbid it rain
again afterwards, because you'rejust going to take all that in.
So having buckets or maybe bigtrash cans in place, should that
happen, would may save yourfloor and your crawl space and a
lot of things under that.
One of the things we ran into in2018 is that hurricane it
(19:39):
wasn't, I think, I want to sayit was a category one that swept
through right down there in theEmerald Isle area and it ripped
off ridge vents.
So with the ridge vents comingoff, it exposes about a
three-inch hole that runs thelength of your house if you have
a certain type of roof, andwhen I put the new roof back,
people said we don't care whatthe manufacturer says, we don't
care about the warranty, we justwant no ridge vent, and kind of
(20:00):
see their point because theywere evacuated.
Ridge vent comes off, it rainsin the ridge vent for two days
straight and then, when theycome back, it basically
destroyed the interior of theirhouse.
So I get that point.
However, ridge vent ventilationis the one thing that all the
manufacturers in the roofingworld agree on.
So they all have their pointsof why their shingle is better
than the rest, but they allagree on that.
(20:20):
One thing is that ridgeventilation is mandatory for the
lifespan of the roof ismandatory for the lifespan of
the roof.
Speaker 1 (20:26):
A lot of stuff to consider and, again, it's why
it's important to be proactiveand making sure your roof is in
good shape and it's why SureTopRoofing will do free estimates
for you and a question like that.
You know ridge vents.
Most people don't even knowwhat a ridge vent is, let alone
how it benefits your house whenthere's not a hurricane.
But, like you said, get a pro'sadvice and you say it's worth
having that ridge vent in placeversus trying to protect
(20:49):
something that might not affectyour house for years to come.
We're going to put thisinformation up at the website,
thecarolinacontractorcom, and Igot a question for you, donnie,
in just a second here.
If you have a question aboutyour house, you can go to the
website and click on a buttoncalled Ask the Contractor and
that goes to Donnie, who againis a general contractor.
And if you have a questionabout this show in particular,
(21:09):
something you should do beforeor after a hurricane or a
tropical storm hits, whatever itis, hey, do you have a question
about countertops?
Just go to the website,thecarolinacontractorcom.
So I was talking to my neighborthe other day.
He's got a seven foot woodfence going around his property
and so he has neighbors on threesides.
And the neighbor in the backpart of the yard has a tree.
(21:30):
It's probably six feet from hisfence but it's like 40 feet
tall and it has branches hangingover the side of the fence into
my neighbor's yard, in someparts about 10 feet over into
his yard, and he's fearing thatthose branches are going to
break in a storm and just wreckhis fence.
So he asked his neighbor hey,can you prune them?
(21:51):
Can I prune them?
Do you want to go in halvesiesand remove the tree altogether,
because this thing falls in astorm, it's going to do a lot of
damage.
And the neighbor very politelytold him to pound sand.
So he, my neighbor, asked mecan I prune those branches back
myself that are hanging over thefence?
And I said I think you can, butI don't know for sure.
(22:14):
Let me ask someone who knowssomething about it, hence Donnie
Blanchard.
So can you prune tree branchesoff your side of your property,
even if the tree is on anotherside of the property?
Speaker 2 (22:26):
Legally, yes, you can Neighbor relations.
I guess that's up to you and soif it's a sentimental tree,
it'd probably be best to noteven ask and maybe just do it.
And legally there's nothingthey can do to you for basically
preventative maintenance,because if that could be a
problem with a windstorm and ofcourse you're a lot closer to
the coast than I am and morelikely if we do have a landfall
(22:51):
and hurricane to get the bruntof that but basically the way
that it works in the insuranceworld is that your neighbor's
tree falls across your fence andthis doesn't sound right, but
this is how it is is that yourinsurance company is on the hook
for the portion of the treethat's downed in your yard and
they have a couple of maximumamounts that they'll pay.
They'll pay whatever it takesto get the tree off of the
covered structure covered,meaning covered by insurance.
They'll pay whatever dollaramount it takes to get the tree
(23:13):
off.
And then they have a $500 limiton removal from premises.
So if you've got six trees downafter a hurricane, they'll pay
whatever it takes to get thetree off of the fence, off of
the house, off of any kind ofcovered property that you have,
but all those only have a $500limit, and I'll just say this
off the record.
I guess it's all on the record,but you can usually get a tree
company that understands how towrite the bill and so they'll
(23:34):
take care of everything andthey'll just put that they
charge you $500 for removal fromthe premises.
But that's another thing.
Document that really well, takepictures of it before they
touch it, and it doesn't soundright that you would have to pay
for your neighbor's tree, butthat's just how it is All right,
good advice right there.
Speaker 1 (23:48):
And again, if you have a question about your house
or your neighbor's treeshanging over your house, submit
it at the websiteTheCarolinaContractorcom.
Hit on the Ask the Contractorbutton and we thank everybody
who's been following us onFacebook and on Instagram.
Appreciate the people followingus there and you can find links
to me and Donnie up there also,and we'll put that information
up at the website,thecarolinacontractorcom.
(24:11):
We thank you so much for tuningin.
Thanks everybody.
Thanks for listening to theCarolina Contractor Show.
Learn more atthecarolinacontractorcom.
Summer is storm season and ifyou suspect a severe
thunderstorm or hailstorm hasdamaged your roof, contact sure
top roofing.
(24:31):
They'll inspect your roof,document any damage and provide
you with a written report.
Sure top roofing will helpguide you through the roof
repair process, making it asstress-free as possible, from
repairs to replacement.
Sure top roofing offersexceptional service.
Sure top roofing, your local gFMaster Elite certified roofer.
Visit SureTopRoofingcom or call336-270-9292.
Welcome to the Carolina Contractor Show with
your host, general ContractorDonnie Blanchard, brought to you
by GAF, the world's largestroofing manufacturer, gaf.
We protect what matters most,what matters most.
(00:32):
Goodbye August, hello September, and welcome to the Carolina
Contractor Show.
My name is Eric Smith.
I do inside sales for HomeBuilders.
Supply in Wilson and Greenville, across from me the yin to my
yang, the up to my down, theleft to my right, the good to my
bad.
It's general contractor DonnieBlanchard.
He's also the owner of Sure TopRoofing and Blanchard Building
Company and just by our jobdescriptions we hope that gives
you an idea what the show isabout.
Yeah, we like to talk aboutyour house and building things
(00:54):
and DIY projects and repairs andrenovations and hopefully our
job descriptions kind of mean wemight know a teeny bit about
those subjects.
If you don't believe me, youcan go to the website
thecarolinacontractorcom.
I'm going to talk about that alittle bit more in a minute, but
I do want to preface this with.
Today's show is going to betalking about what to do after a
hurricane or tropical stormrolls through.
(01:15):
Now we have the remnants of adahlia coming through.
It hit Florida in the Panhandleregion earlier in the week, and
now it's kind of off in betweenthe outer banks and Bermuda,
just kind of sitting therecausing its own havoc, but not
on land.
So I guess that's good.
But anyways, you might need togo around your house and take a
look at it, especially if you'rein the eastern part of the
state where you got more effectsof it.
(01:36):
But you might not know exactlywhat to look for after a
hurricane or a tropical stormrolls through.
So we're going to focus on that.
Back to the websitethecarolinacontractorcom.
Maybe there's another subjectyou want to listen to.
Well, we've uploaded yearsworth of shows and they're
organized by the subject.
So if there's somethingspecific you want to learn about
or listen about or get our takeon, you can go to the website
(01:59):
and download it in podcast form.
We also have links to ourFacebook page up there.
We've got links to our YouTubepage.
We got links to Instagram Kindof a secret, that's not a secret
.
We're going to be on TV nextyear, that's right.
But anyways,thecarolinacontractorcom, all
right, let's focus on today'sshow what to do after a
(02:21):
hurricane and anytime there is anatural disaster, whether it
was like the fires in Hawaii orHurricane Adalia, if you want to
do something quickly to helpsupport them.
Check out your local Red Crossor search it on the web and you
can make a donation there.
But one thing that was a bigproblem just a couple years ago
with the COVID pandemic was wehad a short supply of
(02:43):
construction materials.
We had short supplies ofeverything, but construction
materials were becoming scarce.
You had to wait longer beforeyou could get them, and anytime
you have a supply issue and it'scompounded by a natural
disaster, things get very hairyvery quickly.
Fortunately, the time it takesto get building supplies for
repairs and things like that isnowhere as bad as it was a
(03:03):
couple of years ago, but stillthere can be some delays.
Donnie, I want to start offright there.
The idea of a natural disasterhitting this time of our lives,
the past few years, and havingsupply issues, that's kind of
worrisome.
Yes, sir.
Speaker 2 (03:19):
Everybody that's worth their salt right now in
the construction world arealready backed up months, as it
is, Like I said, just a laborshortage thing.
All these factors combined itwouldn't be pretty.
Speaker 1 (03:28):
Well, then let's jump into today's subject on the
Carolina Contractor Show.
By the way, you can listen topast episodes, including the one
we did that was getting readyfor a hurricane, at the website
thecarolinacontractorcom, and atthe end of the show I'll tell
you some of the other thingsrelated to the website that can
help you out.
But today we're talking aboutwhat you need to do after a
hurricane or a tropical stormhits, especially if you have
(03:51):
damage, and, donnie, you know alot about this, so let's start
off with you calling that claimin.
If you have damage, it's got tobe the first thing, right?
Speaker 2 (04:00):
Absolutely yes, sir.
I used to see people waitaround for a couple of weeks to
call the claim in because theyjust didn't know any better.
But having that claim numberhandy it's usually a 1-800
number with most insurancecompanies and they have a call
center there that's made tofield those calls and basically
direct you to the right area,the right adjuster but I would
have that number handy If weknow a hurricane's coming.
It just takes a couple minutesto go ahead and have that,
(04:22):
because you know the internetmay be out, you may have to dig
for that with papers or, forwhatever reason, may not have
easy access to that.
So having that number to get inline because everybody in your
zip code is doing the exact samething and you know first come,
first serve is kind of how theinsurance companies work.
I would say the follow-up tothat is to have a contractor on
call and you're more than likelygoing to have a need for
(04:43):
temporary repairs.
One thing that's important todo is have that contractor.
If they come out to tarp yourroof, for instance, you want to
take pictures of the damagebefore the tarp goes on.
So pretty much everybody has asmartphone in their pocket now
and that's not a tough thing todo.
But having pictures of thedamages prior to the temporary
repairs could save you fromhaving to undo those temporary
repairs when the adjuster comesout.
A lot of times these adjustersare computer guys so they're not
(05:05):
qualified to take that tarpback off and install it the same
way a roofer would, forinstance.
Another thing that goes alongwith this is people say do I
sign a contract when they comeout?
Because a lot of pushy roofersreally are the first people to
get you to sign what's called acontingency agreement and we've
talked about this on a past show, it just hasn't been recent.
But a contingency agreement isnot an illegal thing.
But what it does is it locksyou in to work with that
(05:27):
particular contractor and whatit says is if they get your roof
paid for by the insurancecompany, that they have to
actually do the work.
Where it gets a little bit hairyis a lot of these guys are
storm chasers that do this.
So most of the companies have a1-800 number on their truck and
they've come in from Texas orfrom the Midwest or something
and they're just trying to makea quick buck, and we always
steer our listeners away fromanybody who's just in town
(05:49):
temporarily because somethinghappens.
Even if they put a good shingleon, you're not going to have
any recourse if somethinghappens with that roof.
It's guaranteed that they'regoing to use all subcontractors
so they don't use the samepeople from job to job to job,
and I just think it's ano-brainer to use a local roofer
in that circumstance.
Speaker 1 (06:04):
Hey, Donnie, I got a question Is a homeowner
responsible to mitigate damages?
So if they get a crack in theroof and there's water coming in
, or whatever the case may be,do the policies all of them do
it, or do some of the policiesrequire that?
Speaker 2 (06:21):
Yeah, they pretty much all do, and within reason.
If it's a two-story roof andit's a steep slope, they don't
expect you to get up thereduring the rainstorm, but they
do expect you, you know, to goahead and get that at least
temporarily patched up beforethe next rain hits, for instance
.
So it is the directresponsibility and we mentioned
that a little bit last week thatmitigation of damages is
definitely on the homeowner.
(06:41):
If you let something go for aweek and just let it keep
raining in your house, they'retechnically not obligated to pay
for that.
Their measuring stick or theirrule of thumb in the insurance
world is they have to put youback where you were before the
storm, and you know that'swithin reason on their end too.
So they have to put you back topar, not no more, no less.
But if the house conditiondeteriorates because of someone
(07:02):
neglecting it or just not takingthe appropriate action, they do
have a little recourse in that.
And you know, taking picturesand videos before the cleanup
and before you make a lot ofmoves is a really big thing for
documentation.
Speaker 1 (07:12):
You know, one thing we mentioned last week, and I
think it's so important, is, ifyou're watching a tropical storm
or a hurricane and you've gotseveral days before it affects
you, that's probably a good timealso to take pictures and
videos of your house, especiallythe outside, because you would
be able to quickly demonstrateto an insurance company.
This was my house three daysbefore that hurricane.
You can see it was well kept,the pool was clear, this tool
(07:38):
shed was in excellent shape andthen, if there's any damages
again, I'm making an assumptionan insurance company would
probably be more motivated toget this settled and get you
back to where you were beforethe storm, because you have
excellent documentation.
Speaker 2 (07:50):
Agreed, yes sir, they really like it when you do that
and it just shows that you'vedone your part, that you know a
little bit about the situationand that you're a responsible
homeowner.
So they have to do this peryour locale and group you
together with other appointmentsthat they may have in that area
(08:18):
.
So you may luck out and getthem second or third day, but a
lot of times it takes as much astwo weeks for them to come out
and what they'll do is theyspend a few hours documenting
everything and they use asoftware.
Most of them use a softwarecalled Xactimate and Xactimate
generates prices quarterly, socalls it Xactimate, and
Xactimate generates pricesquarterly.
So Raleigh has a differentprice code from Greensboro and
they take in the house valueinto account for that.
(08:39):
But what happens is they inputall your measurements and
information into this softwareand for whatever is damaged it
will crank out a value for themto give you.
So a lot of times they'll tellyou well, go get three estimates
.
You can do that, but I may goagainst some of my insurance
friends when I say this.
They're wanting you to go getthe lowest estimate possible.
So the value that they normallygenerate with their software is
going to be more than what yourestimates will be, especially
(09:01):
if you're using localcontractors, so you can get
those estimates.
However, it gets a little hairywhen you start turning those
into the insurance companybecause they're going to give
you the money from the lowerestimate.
You don't really want to do thatto yourself, but a lot of
people just don't know.
They think that they're doingtheir due diligence.
They will issue a check outafter they do the measurements
and enter all that into thesoftware, get the value.
They'll issue a check andbasically a breakdown for
(09:24):
everything that they're payingyou for.
That check will usually be inthe form of a two-party check,
because most people don't owntheir house outright, so it'll
be you and the bank.
This is another thing to goahead and get ahead of before
the storm hits, because a lot ofcases you don't have a local
branch for your mortgage holderand you'll have to mail that
check off.
So if you wait two weeks for acheck, you may have to wait
another two weeks to get thatcheck endorsed and mailed back
(09:45):
to you.
So a lot of banks actually havea, not a call center, but they
have a location thatspecifically does this.
So having all that in orderbefore knowing exactly where to
send what when you actually getthat check will speed up the
process.
And a lot of people say, well,they only paid me, they
depreciated everything and theyonly paid me for a certain
amount.
That depreciation in most casesis recoverable.
What they do is depreciate it.
(10:06):
They make sure that youactually go through with the
work.
After you do that, your rooferor your contractor should know
the correct documents to submitto them to recover that
depreciation.
So they usually give you about70% upfront and then they'll
retain that 30% for the backendafter your deductible is removed
already All right In a coupleminutes.
Speaker 1 (10:24):
Donnie, I want you to go into some detail about
coverages and endorsements andstuff.
But we all know after a stormor any sort of event that
affects your home, you've got atree through the middle of it or
you've got flooding.
You obviously know those arethings that need to be called in
and you make a claim on becauseyou can see it easily.
But there's a couple of thingsI want to go over real quick
that after a storm you need tolook for because you might not
(10:46):
catch it with a casual view ofyour house.
If it's safe, check your atticand what you're looking for is
water coming in.
If it's safe, check your atticand what you're looking for is
water coming in wet spots on theinside.
Obviously a small branch smallbeing relative, you're talking
something just a few inches indiameter.
With the speed of winds and thegeneral weight they can poke a
hole in your roof, no problem.
(11:07):
So look for things like that.
No one ever thinks to look attheir HVAC units for damage.
Something can fall on that anddamage them, bend something,
cause a disconnect.
Obviously, check your cars.
If you see standing watersomewhere, try to drain it
because that, especially underyour house, is just no fun to
(11:28):
take care of.
Two weeks later, have asubmersible pump.
If you don't already, you canget them for under $100.
But be careful if you have likeextension cords putting them
around or underwater.
And the big thing abouthurricanes that people don't
realize is flooding kills morepeople than the actual hurricane
event.
People try to go out, and tooearly after a hurricane they
(11:49):
don't.
They look at rivers.
For some reason we're justdrawn to a river that's swollen
and flooding, but it can take aweek or more for those things to
crest.
And this is where I wanted youto talk about stuff.
We assume that our homeownersinsurance includes a rider or a
policy on floods and we assumeanything tied to the hurricane
(12:12):
covers your house.
But it's not that black andwhite, right Donnie assume
anything tied to the hurricanecovers your house.
Speaker 2 (12:16):
But it's not that black and white, right, donnie?
No, sir, a flood policy isactually a completely different
policy than a homeowner's policy.
So homeowners does not coverflood.
They do have an endorsementthat you can add for a sewer
backup and things like that ifyou have a basement.
But flood policy is completelydifferent.
And important to note thatflood policies max out at
$250,000.
So that's the most you can getfor a flood policy and most
people choose to get the maximumamount of coverage because if
(12:37):
you do in fact get flooded, it'spretty much no saving anything
that that water touches,especially if it gets up above
the 18 inch mark where theoutlets are.
But yeah, that kind of goes backto me saying know about your
insurance coverage, know who tocall with the insurance company,
because knowing how muchcoverage you have, what
(12:58):
endorsements you have, is reallyan important thing.
And you know, once you get thedamage and you don't have a
particular endorsement, it's toolate and a lot of people, a lot
of insurance agents, are kindof lazy.
They've had the same clientsfor 20 years.
They get everybody in theirfamily, so you know they may pad
you for what the house wasworth 10 years ago.
But house values, like wecommented a few shows back, have
went up so much that it'simportant to have the
appropriate amount of coverageand the rule of thumb in the
(13:19):
insurance world is that youshould carry at least 80% of
what the house is worth.
So basically what that is issaying if you've got a half
million, a half million dollarhouse, you should have at least
$400,000 in coverage.
And why that's important is thatif you do not carry they made
us do these things when I was aninsurance adjuster called ITV
(13:39):
insured to value reports and ifyou do not carry at least 80%,
you disqualify yourself fromregaining that recoverable
depreciation that I justmentioned.
So that's called.
People say I have replacementcost coverage.
That's called RCV forreplacement cost value.
The other version of aninsurance policy is called an
ACV policy, which is actual cashvalue.
(14:00):
That means you get thedepreciated amount only and the
recoverable depreciation justisn't an option and carrying
less than that 80% house valueautomatically disqualifies you
from RCV and gets you ACVcoverage.
Speaker 1 (14:16):
Wow.
So with these house prices thepast couple of years
skyrocketing up the values,that's probably something a lot
of people need to look into.
Speaker 2 (14:25):
Yeah, it's a big deal .
When I was in New Orleans forHurricane Katrina, there were
people headhunting theseinsurance agents.
They were insurance agents thatjust never moved back to
Louisiana because of that.
And you got to think, you know,these people were wiped out.
The upper part of their housewas on their homeowner's
insurance, of course, with theroof being pretty much gone and
the lower portion of theirhouses had been flooded in some
cases.
And you got to think about thebig numbers that we're talking
(14:47):
here $400,000 worth of insurancepayout, and if that got reduced
down to $200,000 and you didn'tget your depreciation back, you
know somebody's got to pay forthat.
So those are some big numbersthat ruined a lot of people's
lives.
Speaker 1 (14:59):
All right, this is the Carolina Contractor Show,
talking about things you need todo after a hurricane,
especially if you've got to makea claim and there are common
damages.
You see, after a hurricane hits, and I guess most of that's
just completely dependent on thewind speed.
Speaker 2 (15:14):
Donnie right, yes exactly the most we really ever
see around here is a Category 1or a 2.
And I'll go through the windspeeds just to clarify that.
But a Category 1 is sustainedwinds at 74 to 95 miles an hour.
Category 2 picks up at 96 milesan hour and goes all the way to
110 mile an hour, which soundsscary.
But category three which iswhat Katrina was when it
actually made landfall uh is 111miles an hour to 129.
(15:38):
Uh.
Cat four is 130 to 156 and acat five is you might as well
not even think about it becauseit's it's pretty much going to
wipe everything out in its path.
And a funny story that peoplethought Katrina was a category
four or five and it came in at athree and you know the majority
of the damage was that the levy, the wind speed broke the
levees that flooded the basinand people say New Orleans is in
(15:59):
a bowl.
But you know that that was.
It was a lot of factors thatall came together to to really
mess that place up back in 2005.
But yeah, that was only a Cat 3.
Speaker 1 (16:08):
And I remember the strongest storm Well, I don't
remember it because I wasn'teven a glint in my dad's eye but
the strongest storm that hitNorth Carolina, that was
Hurricane Hazel and that was inOctober of 1954.
And that made landfall as aCategory 4 hurricane.
And you go back 50 years, 50,60, 70 years.
When a hurricane hit it wastotally different, the effects
(16:29):
it would have.
Now, one beef I do have when itcomes to the cost of a hurricane
, meaning they tally up all thedamages and they say climate
change is causing more damaginghurricanes because look at the
cost it is to replace all thisstuff.
They never take inflation intoeffect.
This stuff, they never takeinflation into effect.
(16:50):
So something that in 1954 cost$25,000 to build the equivalent
house built, today they wouldsay $150,000.
And they're saying well, thedamage is much worse.
The damages adjusted forinflation aren't that great.
But anyway, go over some of thethings that happen when these
hurricanes hit, especially, likewe said, wind damage to your
roof.
That's very important, andespecially with roofing in
general, like sure top roofingdoes.
Speaker 2 (17:09):
Yeah, that was a really good point.
By the way, on the inflationand talking about how they try
to attribute climate change tohigher numbers and everything, I
never thought about it that way.
But yeah, wind damage to yourroof is probably the most common
thing we see with a hurricanewhen it passes over and
primarily we see damage to threetab roofs.
I have probably 200 roofs righton the coastline that are all
architectural.
They're all the GAF Timberlineseries and when I installed a
(17:31):
lot of these back in 2018, wehad, I want to say, three
landfalling hurricanes that yearand I haven't lost a single
shingle to date.
They had a 130 mile an hourwind rating on those Timberline
back then and then the next year, in 2019, they wrote the new
ASTM standards that go in thecode book and they tested these.
We've commented on the test andhow they did it, which is hard
to wrap my mind around, but theycouldn't get the shingles to
(17:53):
blow off, so they actually testout now with an unlimited win
rating, meaning if you lose yourshingles, you're probably going
to lose more of the house thanthat A cool thing that GAF does
for a roofing manufacturer to do.
I want to say that the windrating on a three-tab shingle is
about 60 miles per hour.
(18:13):
So that's not even a categoryone.
And when people put theseshingles on we harp on no
three-tab all the time becausethe three-tabs are just so
inferior, they're very prone towind damage and they have three
independent tabs on each shingle.
That you know.
Once they flip up and breakthen you're at the mercy of the
weather there and I just thinkit's a no-brainer.
The labor is the same toinstall this architectural
shingle and the three tab in thearchitectural.
(18:34):
The only difference is theprice of the material.
So definitely recommend orpoint people towards the
architectural in that situation.
Second thing I would say mostcommon is downed trees.
So a lot of people don't eventhink about that big, tall pine
tree that may be on the eastside of your house.
But if we get something fromthe Atlantic and it comes, you
know, comes west pretty hard,then it's going to push those
especially pines with.
(18:55):
They don't have a really strongroot structure so they're very
prone to go down with anythingmore than, say, a 60 or 70 mile
an hour wind.
So take an inventory on thosetrees, like you said last week.
I think is a very importantthing before the hurricane hits,
whether it be wind damage tothe roof or maybe a tree makes
contact with your roof, normallywe'll breach that envelope and
put a hole in your house, whichchanges the pressure and a lot
(19:16):
of other damage can happen as aresult of that.
But once the envelope isbreached, you know water.
That water intrusion is goingto basically keep going into
your house until the rain passesover and heaven forbid it rain
again afterwards, because you'rejust going to take all that in.
So having buckets or maybe bigtrash cans in place, should that
happen, would may save yourfloor and your crawl space and a
lot of things under that.
One of the things we ran into in2018 is that hurricane it
(19:39):
wasn't, I think, I want to sayit was a category one that swept
through right down there in theEmerald Isle area and it ripped
off ridge vents.
So with the ridge vents comingoff, it exposes about a
three-inch hole that runs thelength of your house if you have
a certain type of roof, andwhen I put the new roof back,
people said we don't care whatthe manufacturer says, we don't
care about the warranty, we justwant no ridge vent, and kind of
(20:00):
see their point because theywere evacuated.
Ridge vent comes off, it rainsin the ridge vent for two days
straight and then, when theycome back, it basically
destroyed the interior of theirhouse.
So I get that point.
However, ridge vent ventilationis the one thing that all the
manufacturers in the roofingworld agree on.
So they all have their pointsof why their shingle is better
than the rest, but they allagree on that.
(20:20):
One thing is that ridgeventilation is mandatory for the
lifespan of the roof ismandatory for the lifespan of
the roof.
Speaker 1 (20:26):
A lot of stuff to consider and, again, it's why
it's important to be proactiveand making sure your roof is in
good shape and it's why SureTopRoofing will do free estimates
for you and a question like that.
You know ridge vents.
Most people don't even knowwhat a ridge vent is, let alone
how it benefits your house whenthere's not a hurricane.
But, like you said, get a pro'sadvice and you say it's worth
having that ridge vent in placeversus trying to protect
(20:49):
something that might not affectyour house for years to come.
We're going to put thisinformation up at the website,
thecarolinacontractorcom, and Igot a question for you, donnie,
in just a second here.
If you have a question aboutyour house, you can go to the
website and click on a buttoncalled Ask the Contractor and
that goes to Donnie, who againis a general contractor.
And if you have a questionabout this show in particular,
(21:09):
something you should do beforeor after a hurricane or a
tropical storm hits, whatever itis, hey, do you have a question
about countertops?
Just go to the website,thecarolinacontractorcom.
So I was talking to my neighborthe other day.
He's got a seven foot woodfence going around his property
and so he has neighbors on threesides.
And the neighbor in the backpart of the yard has a tree.
(21:30):
It's probably six feet from hisfence but it's like 40 feet
tall and it has branches hangingover the side of the fence into
my neighbor's yard, in someparts about 10 feet over into
his yard, and he's fearing thatthose branches are going to
break in a storm and just wreckhis fence.
So he asked his neighbor hey,can you prune them?
(21:51):
Can I prune them?
Do you want to go in halvesiesand remove the tree altogether,
because this thing falls in astorm, it's going to do a lot of
damage.
And the neighbor very politelytold him to pound sand.
So he, my neighbor, asked mecan I prune those branches back
myself that are hanging over thefence?
And I said I think you can, butI don't know for sure.
(22:14):
Let me ask someone who knowssomething about it, hence Donnie
Blanchard.
So can you prune tree branchesoff your side of your property,
even if the tree is on anotherside of the property?
Speaker 2 (22:26):
Legally, yes, you can Neighbor relations.
I guess that's up to you and soif it's a sentimental tree,
it'd probably be best to noteven ask and maybe just do it.
And legally there's nothingthey can do to you for basically
preventative maintenance,because if that could be a
problem with a windstorm and ofcourse you're a lot closer to
the coast than I am and morelikely if we do have a landfall
(22:51):
and hurricane to get the bruntof that but basically the way
that it works in the insuranceworld is that your neighbor's
tree falls across your fence andthis doesn't sound right, but
this is how it is is that yourinsurance company is on the hook
for the portion of the treethat's downed in your yard and
they have a couple of maximumamounts that they'll pay.
They'll pay whatever it takesto get the tree off of the
covered structure covered,meaning covered by insurance.
They'll pay whatever dollaramount it takes to get the tree
(23:13):
off.
And then they have a $500 limiton removal from premises.
So if you've got six trees downafter a hurricane, they'll pay
whatever it takes to get thetree off of the fence, off of
the house, off of any kind ofcovered property that you have,
but all those only have a $500limit, and I'll just say this
off the record.
I guess it's all on the record,but you can usually get a tree
company that understands how towrite the bill and so they'll
(23:34):
take care of everything andthey'll just put that they
charge you $500 for removal fromthe premises.
But that's another thing.
Document that really well, takepictures of it before they
touch it, and it doesn't soundright that you would have to pay
for your neighbor's tree, butthat's just how it is All right,
good advice right there.
Speaker 1 (23:48):
And again, if you have a question about your house
or your neighbor's treeshanging over your house, submit
it at the websiteTheCarolinaContractorcom.
Hit on the Ask the Contractorbutton and we thank everybody
who's been following us onFacebook and on Instagram.
Appreciate the people followingus there and you can find links
to me and Donnie up there also,and we'll put that information
up at the website,thecarolinacontractorcom.
(24:11):
We thank you so much for tuningin.
Thanks everybody.
Thanks for listening to theCarolina Contractor Show.
Learn more atthecarolinacontractorcom.
Summer is storm season and ifyou suspect a severe
thunderstorm or hailstorm hasdamaged your roof, contact sure
top roofing.
(24:31):
They'll inspect your roof,document any damage and provide
you with a written report.
Sure top roofing will helpguide you through the roof
repair process, making it asstress-free as possible, from
repairs to replacement.
Sure top roofing offersexceptional service.
Sure top roofing, your local gFMaster Elite certified roofer.
Visit SureTopRoofingcom or call336-270-9292.
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