Author Archives: wpadmin

Ice Dam Damage and Your Insurance

Hundreds of Illinois houses suffer water damage due to ice dams in the winter, and many people do not even notice the damage until it is too late.

What Are Ice Dams?

Ice dams occur when heat escapes from your attic to melt snow on the roof and then refreezes at the edge of the roof, causing a “dam.” Additional snowmelt backs up on top of the roofing materials and leaks through the roof, causing water to get inside your house. Once inside, water can ruin your ceiling, insulation, framing, drywall, and even your flooring. Preventing ice dams could save you thousands of dollars in home repairs.

TTLC Tip: Make sure to check for icicles since they are formed by snow melting off the roof and refreezing and are often a sign of ice dams. Also, be sure to check any water stains along the interior of your home. These two indicate that an ice dam has formed and water has infiltrated the roof system.

Ice dams can damage:

  • Attic insulation
  • Interior walls and ceilings
  • Mold, mildew
  • Paint (blisters and bubbling)
  • Roofing
  • Shingles
  • Siding
  • Structural framing
  • Window casings

Does Insurance Cover Ice Dams?

If an ice dam damages your roof, do not panic. It is common for homeowners insurance to cover ice dam damage. Many standard homeowners’ policies cover sudden and accidental damage from leaking roofs and damage from ice, snow, or sleet.

Filing an insurance claim to repair the damage done by ice dams is no different than any other insurance claim. Keep in mind: your insurance policy may require you to mitigate the damage to prevent any further damage from occurring, which is why TTLC – Roofing Siding and Gutters can help before damages worsen.

Preventing ice dams

The best approach to prevent ice dams and spare yourself the maintenance and insurance headache is to be proactive.

Here are a few steps you should take ahead of winter to help prevent ice dam formation:

  • Clear your gutters from any leaves and debris so melting snow can flow off the roof.
  • Monitor your roof in cold weather. Check for icicles and water stains as this means the conditions for an ice dam to form are present.
  • Check for signs of insufficient ventilation and seal areas where warm air could leak from your home to the attic.

These preventative measures can go a long way toward keeping winter from ruining your spring.

Ice dam damage? Schedule a Free Consultation

Removing an ice dam from your roof immediately after spotting the signs can be critical to help prevent damage to your home. If you notice ice dams building up, the best option is to hire a professional contractor like TTLC – Roofing Siding and Gutters to remove the ice dams without damaging your home’s exterior.

After a hailstorm, wind storm, or other significant weather events, most homeowners acknowledge the need for a roof inspection to determine if their roof suffered damage. But drastic weather should not be the only time you consider your roof’s health.

Repairing a roof can be the most expensive house repair an owner may face, with a full replacement ranging up to $10,000.

This means an inspection can be well the investment.

What to Expect From TTLC Inc’s Professional Roof Inspection

Our roof inspector at TTLC Inc. will check for uneven roof planes and signs of sagging. Roofs with chimneys will be inspected during this time for cracks, crumbling grout, and damage to chimney caps.

Our roof inspector will be looking for loose, missing, curling shingles, stains, moss, and rust.

Our roof inspector will check interior ceilings, walls, and the attic for water stains, rot, mold, or other indications that water is making its way into your home due to a leaky roof.

Roofing Analysis

After the roofing inspection, the homeowner will receive a report about the roof’s condition and what repairs are needed to keep the roof in good condition. Schedule repairs as soon as possible. The last thing a homeowner needs is worse roof damage.

Maintaining a New Roof

To ensure your new roof’s long life, consider inspections every couple of years. Many factors can affect the condition of the roof. You may need to arrange your inspection to account for weather damage, sun directions, and insulation issues. You may even have one side of your roof to be more vulnerable than the other.

If you need your roof inspected, repaired, or replaced, contact TTLC Inc. today for a roofing inspection. Contact us to learn more about our quality roofing products and services and to schedule an appointment by calling 815.205.1500 or email info@ttlcinc.com

Many people believe that having one claim filed with their homeowner’s insurance will cause their rate to go up. Think about auto insurance, for instance, if you file a claim after a car accident, your premium might increase. Thankfully, homeowner’s insurance does not act like auto insurance. Filing a single claim will NOT cause your homeowner’s premium to increase.

Your homeowner’s insurance premium is determined on many factors, such as:

  • Geographical location of the home
  • Age and construction of the home
  • The number of disasters the area has suffered in the past few years, such as tornadoes and extreme storms
  • Potential risks in the area, such as burglaries or theft
  • Amount of coverage
  • History of filing multiple claims
  • Poor credit history

Filing one claim will not increase your premium. Insurance companies are more concerned with how frequently your neighbors or people in your zip code file claims. If you live in an area that is consistently burglarized or prone to destructive storms, it may not matter if you have a clean claims history — if people around you do not, that may increase your premiums.

If you have significant damage to your home, the right thing to do is file a claim. After all, you are paying a premium yearly, why not use your insurance for what it is designed to do?

A new roof is one of the most essential and expensive improvements a homeowner can make. Whether our customers are seeking to prolong the life of their current roof or are enjoying a brand new roof installed professionally by our team, our experts at TTLC Inc. have put together a list of three tasks to help extend your roof’s life and prevent severe damage before it occurs.
1. Inspect

  • Inspect flashing around your chimney and vents. These areas are more likely to be exposed to leaks. Proper sealing and check-ups of these areas will prevent moisture from seeping into your roof and creating damage.
  • Inspect your roof for shingles that are cracking, lifting, or missing. If you notice the roofing materials are damaged, we suggest repairing these areas as soon as possible to avoid additional damage to the exterior and interior of your home.
  • Inspect the underside of your roof. Look for damage or staining as these indicate that the roof is leaking. Watermarks should determine where the leak is coming from and fixing it before more damage occurs.

2. Clean

  • Keep your roof free from debris. Debris can hold moisture, which will deteriorate the roofing material over time. Debris can also prevent proper water flow off your roof, resulting in overflowing gutters and increased roof aging.
  • Algae and fungus growth on the roof is a common problem. Cleaning these growths will help prevent damage, premature aging, and unsightly black streaking.
  • Cleaning your gutters of debris, sticks, and leaves will keep water flow from overflowing your gutters. If your gutters become full or clogged, rainwater will spill over the top of the gutter and lower the roof areas. As the roof below is not built to handle this increased water flow, the roofing material will show wear and can develop leaks over time.

3. Remove

  • Keep an eye on moisture pooling on the roof and eliminate any causes of water. Standing water is one of the fastest ways to ruin and shorten the life expectancy of a roof.
  • If your home is hit with a massive snowstorm, removing the snow’s weight will extend your roof’s life. Removing snow prevents your roof from buckling due to the increased pressure and keeps your roofing material in good shape by avoiding long term moisture exposure as the snow melts.
  • Tree branches that tend to grow over a roof should be removed. Removal will prevent the branches from breaking off and damaging your roof during a storm.

If you find any damage on your roof while you inspect, clean, or remove damaged elements from it, give the experts at TTLC Inc a call. We would be happy to evaluate your current roof and make suggestions for a repair or replacement.

Homeowners insurance can offer you peace of mind by helping to protect your investment. Learn how to buy an insurance policy to protect your home in our area.

What Is Homeowners Insurance?

Homeowners insurance is a series of coverages that may help pay to replace or repair your home and belongings if damaged by specific perils, such as theft or fire. Your insurance policy may also help cover costs if you accidentally damage another person’s property or if a visitor on your property is injured.

What Does Homeowners Insurance Cover?

Homeowners insurance typically helps cover:

  • Dwelling
  • This helps cover the structure of the home where you live ( including the foundation, walls, and roof). This protection may also help cover other structures attached to the home, such as a garage or a deck.
  • Other structures on your property
  • The other structures coverage in your policy helps pay for repairs or replacement for detached structures on your property, like a fence or shed, if they are damaged or destroyed by a covered peril.
  • Personal property
  • Personal property coverage helps pay to replace certain belongings, such as furniture and electronics, that are stolen or damaged by a covered loss.
  • Liability for damage or injuries to someone else’s property
  • If you or a family member are found at fault for accidentally damaging someone else’s property, this coverage may help pay for related repair costs and legal fees and help with medical bills.

Common homeowners insurance policies offer coverage for damage caused by

  • Fire and smoke
  • Lightning strikes
  • Windstorms
  • Hailstorms
  • Explosion
  • Vandalism and malicious mischief
  • Damage from a car or vehicle
  • Theft
  • Falling objects
  • Weight of ice, snow or sleet
  • Water damage

It is important to know that homeowners’ insurance does not cover all natural disasters. As an example, damage caused b earthquakes and floods are not typically covered by homeowners insurance. You may be able to obtain separate coverage options to protect your home and belongings against those types of disasters.

How Much Does Homeowners Insurance Cost?

The homeowner’s insurance cost depends on several factors.
This includes the coverages you select, features of your home, and the value of your personal belongings. If you choose additional or increased coverage limits, there may also be extra costs.

Coverage Limits and Deductibles

Each coverage in a homeowner’s insurance policy has a limit — the maximum amount your policy would pay toward a covered loss. Some coverages may be adjusted to your needs — taking into account the value of your home, the value of your belongings, and how much it may cost to repair or replace them. Typically you would have to pay your deductible before your insurance kicks in to help cover a loss. Make sure to read your policy to review your coverage limits and deductibles.

What Kind Of Roof Damage Will My Homeowners Insurance Cover?

Dwelling coverage helps protect your home’s structure, including the roof, from specific perils. If your roof needs repairs after hail or windstorm damage, dwelling coverage helps cover the cost.

Personal property coverage helps pay to replace or repair your items if your home’s contents are ruined as the outcome of a covered roof claim.

The roof of an unattached structure on your property, such as a shed or detached garage, may be covered by the other structures protection in a homeowner’s insurance policy if a covered peril causes the damage.

How TTLC Inc Can Help

Our licensed roofers have worked with many homeowners to quickly and effectively repair any roof damage caused by hail, high winds, or falling branches. We work quickly to fix the damage and make sure it does not spread throughout your roof or house. To begin the repair process for you, TTLC Inc. will work directly with your insurance company. Contact us at 815.205.1500 for a free roofing estimate.

No one ever plans for roof damage, and sometimes it is out of your control. When bad storms hit, you may find yourself facing damaged shingles, roof leaks, holes, or even a full collapsed roof. Learn about TTLC’s Roof Insurance Claim Process: How To File A Storm Damage Claim

  1. Find out what your insurance covers
  2. Inspect the damage
  3. Contact your local, storm damage experts at TTLC Inc.
  4. How to file a storm damage roof claim
  5. Will filing a storm damage insurance claim cause my premium to go up?
  6. Meet with your adjuster
  7. Approved Claim
  8. Time for your new roof

In the case of roof damage, there is no time to waste. A damaged roof can lead to more significant problems that may require time, attention, and money to correct. If you are experiencing roof damage from storms in Plainfield, Naperville, or the surrounding areas, the time to seek help—and file an insurance claim—is now.

1. Find Out What Your Insurance Covers

As a large part of the structure of a home, the roof is included under dwelling coverage in most insurance policies. However, the extent to which it is covered will often depend on the insurance policy’s exact specifications. Common homeowners insurance policies offer coverage for damage caused by:

  • Hail Damage
  • Fire & Smoke Damage
  • Wind Damage
  • Damage Caused By Falling Objects
  • Damage Caused By Weight Of Snow, Ice, or Sleet

It is essential to know that homeowners’ insurance does not cover all natural disasters. As an example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. You may be able to obtain separate coverage options to protect your home and belongings against those types of disasters.

Some policies do have wind and hail exclusives, so be sure your policy covers the most common forms of weather-related damage.

2. Inspect The Damage

It is essential to have a proper and thorough roof inspection when making an insurance claim for damages. Here are some methods to inspect your roof before one of our professional roofing inspectors at TTLC Inc arrives:

  • Walk around the exterior of your home. Inspect the roof for signs of physical damage – like broken or missing shingles. It can be difficult to detect damage from the ground. A pair of binoculars is beneficial for this.
  • Take a closer look at spots with signs of moss or algae. Moisture can build up within these areas and cause water damage underneath.
  • Look for missing, damaged, cracked, or aged shingles. Problems with shingles are the leading cause of roof damage. Missing or broken patches of shingles can cause water to enter your home.
  • Check shingles carefully to see if the granules are missing. If the granules on your shingles are missing, they may need to be replaced.
  • Look for any shingles that are curled, buckled, or warped. In hot weather, warm air in the attic can enter the ceiling and cause your shingles to buckle.
  • If possible, check your attic and look for signs of water seepage underneath the roof.
  • Another sign that your roof may have sustained damage is the conditions of your neighbors’ roofs. If their roofs were damaged in the storm and are being repaired or replaced, then there is a chance the same storm impacted your roof.

3. Contact Your Local, Storm Damage Experts at TTLC Inc

Unless you are experienced working on a roof yourself, the safest way to inspect roof damage after a storm is to have a professional roofing company, like TTLC Inc, perform the inspection. Our expert team has the expertise and equipment to do the inspection safely and thoroughly. The sooner you contact a roofing contractor, the sooner you can initiate the claims process with your insurance company.

4. Roof Insurance Claim Process: How To File a Storm Damage Roof Claim

After our storm damage experts inspect your roof and verify that there is roof damage , it is time to file your claim. Make sure to include all information and evidence your insurance provider needs to accept a claim.

Depending on your policy, it may be necessary to notify your insurance provider within a specific time after the damage is caused.

5. Will Filing a Storm Damage Insurance Claim Cause My Premium To Go Up?

Filing a single claim will NOT cause your homeowner’s premium to increase. Your homeowner’s insurance premium is determined on many factors, such as geographical location of the home, age and construction of the house, potential risks in the area, and more.

Insurance companies are more concerned with how frequently your neighbors or people in your zip code file claims. If you live in an area that is consistently burglarized or prone to destructive storms, it may not matter if you have a clean claims history — if people around you do not, that may increase your premiums.

6. Meet With Your Adjuster

Your insurance provider will schedule an adjuster to inspect your roof. Schedule a time when your claim specialist can also attend this inspection. A contractor must be present with the insurance adjuster. Even the most experienced and thorough adjuster can miss something. Your claim specialist at TTLC Inc. will have completed a pre-inspection of your roof. They will ensure that all damage is identified to the adjuster. Having an experienced and professional company like TTLC Inc. represent you during the inspection will increase your claim value.

7. Approved Claim

Once your insurance claim is approved, TTLC Inc will go over the insurance coverage details with you. This is where the claims specialists at TTLC Inc. can help you understand everything the insurance company is covering.

At TTLC Inc, an expert will sit down with you to select the perfect roofing materials for your home, discuss financing options and warranty packages, and accommodate your schedule to find the ideal time to complete your new roof installation.

8. Time For Your New Roof

When you have received all the answers to your roofing and insurance questions, sign the contract with TTLC Inc. and have your roof replacement scheduled.

Did a Recent Storm Cause Roof Damage To Your Home?

If you are unsure or require a roof replacement, you need an expert who takes the time to thoroughly and accurately inspect your roof and work with your lifestyle and finances.

We bring trust and peace of mind to every TTLC Inc roof. Contact TTLC Inc at 815.205.1500 or visit us online to schedule a free storm damage roofing consultation.

After a massive storm, you may notice your roof looks different. You may also see entire shingles in your yard. Wind, hail, and even heavy rain can blow the roof’s shingles, exposing the underlayment and possibly even the wood beneath it. When this happens, it is essential to act right away.

Why Do You Have Missing Shingles In Joliet?

The most common causes of missing shingles in Joliet include:

  • Strong Winds

Shingles are meant to stay on your roof during average wind speeds. But in extreme winds, sometimes even the best, high-quality shingles can be damaged or torn off. If these shingles are on your roof’s ridge, they’re even more vulnerable to wind getting under them and pulling them away.

  • Hail Damage

Hail does not knock shingles off directly. Instead, a severe hail storm can leave indents and cracks in shingles. These weak spots can weaken shingles until they become ineffective at protecting you from future storms.

  • Old or Aging Shingles

How long has it been since your shingles were replaced? Your asphalt shingles can last about 20 years, but eventually, the asphalt begins to cracks, the surface granules fall off, and shingles start to curl up.

What Can I Do About Missing Shingles?

The city of Joliet has an Ordinance in place, stating that repairs of any existing roofs must comply with the town’s Building Code. As part of Joliet’s Roof Repair Policy, “patching roofs is not covered as it is not permitted.” Fortunately, our team at TTLC Inc has dealt with these types of obstacles. Replacing your roof with new shingles will be the best method for fixing your damaged roof.

Let TTLC Inc Guide You Through Your Roof Replacement

In the Joliet area, you want a reliable and affordable option for roofing and TTLC Inc offers the quality you deserve. Our storm damage and insurance claim specialists can answer any questions you may have about your roof damage and guide you through your roof replacement process from start to finish.

We bring trust and peace of mind to every TTLC Inc roof. Contact TTLC Inc at 815.205.1500 or visit us online to schedule a free storm damage roofing consultation.

A maintained roof can add value to your property and last a long time, but many homeowners are hesitant to call in a roofing expert unless there is a serious problem. But, small issues with your roof often lead to big, expensive problems later on. An initial roofing inspection can reveal a lot about your roof’s condition. Here are five reasons to have your roof inspected in the fall:

1. Seasonal Wear and Tear

The spring and summer months take a toll on your roof. Areas of moisture and heat can lead to more problems that can ruin your roof’s structure if left unchecked. Some warning signs that are easy to detect are sagging, leaking, and missing shingles. But other warning signs will need a professional roofer to take a look at, such as patches of moisture, cracked or rotted wood, and fungus/algae growth.

2. Undetected Storm Damage

From downpours to high winds, and even the occasional hail from summer storms. Storm season can cause severe roof destruction, causing you to need roof repairs that you might not even know. Fall is the perfect time to have a local and professional roofer come in and inspect your roof for any summer damage. If you leave the damage over the winter, you may end up needing a roof replacement in the spring that could end up costing you more time and money. Why take that chance? Get your roof inspected before winter hits.

3. Illinois Winters Are Rough

Winter is the most challenging season on your roof. This is why it is important to spot problems early. A loose shingle can be blown off in a storm, allowing water to seep in. These small cracks can turn into significant leaks if left unserviced. The harsh conditions of winter can increase the minor damage to your roof that summer storms have done. If you have a couple of holes or missing shingles, then the snow’s weight in the winter can make them larger and much worse.

4. Save On Heating

A new or recently repaired roof can save you money on your heating costs before winter rolls through. Roofs are one of the first places that heat will escape from if it has not been well-maintained. A new or recently repaired roof that is insulated, ensures to keep heat in and reduces heating bills.

5. Perfect Conditions

Finally, fall weather conditions are perfect for repairing or replacing your roof. This is true when using asphalt shingles since fall weather conditions allow for the proper thermal sealing of the shingle’s seal strips. The weather is still warm enough to promote proper bonding but not so cold that shingles do not stick properly. Installing in the fall assures you have a strong roof that keeps out wind, water, and ice, while also keeping your home warm and protected from the winter weather.

Schedule Your Roofing Inspection Before It Gets Too C-C-C-Cold!

Now that fall has arrived, and winter will soon follow, it is time to start taking on those critical roofing projects before the weather changes. If you do not take the time to prepare your roof for c-c-c-cold weather properly, you risk possible damage to your home and an uncomfortable season ahead. Give TTLC Inc a call today at 815.205.1500 or request a free estimate online.

When hail or wind storms strike, homeowners often discover damage to their roofs. To repair this damage, the homeowners turn to local and reputable roofing professionals. While many roofing contractors handle themselves reputably, some contractors are not so honest. These contractors may offer to pay the roofing deductible cost, but in reality, this requires the contractor to submit false figures on the claim, and the homeowner might find themselves in hot water.

Let our trustworthy roofing professionals explain why a “deductible-free” roofing job is a bad idea.

Roofing Deductible

What Is Homeowners Insurance?

Homeowners insurance is a series of coverages that may help pay to replace or repair your home and belongings if damaged by specific perils, such as wind or hailstorms.

Each coverage in a homeowner’s insurance policy has a limit — the maximum amount your policy would pay toward a covered loss. Some coverages may be adjusted to your needs — taking into account the value of your home and belongings and how much it may cost to repair or replace them.

What Is a Deductible?

Your insurance policy is a contract between you and your insurance provider. You pay a monthly premium for coverage in exchange for protection against a big loss. Your insurance policy ensures the losses are minimized on your part by covering the majority of the repair cost. Your deductible is a portion of this cost that you, as the homeowner, is contractually responsible for paying.

For example, your deductible is $1,500, and the damage is estimated at $10,000. That means $8,500 should come from insurance and you would owe $1,500.

Can Roofers Cover a Roofing Deductible?

No. Some roofing companies may offer promotions that promise to pay your deductible. They do this by providing you with a quote that is higher than normal. Your adjuster will then use this quote to determine how much they will award you on your claim. Since the quote presents an inflated price, submitting it to your insurance will be considered fraud.

For example, your deductible is $1,500, and the damage is estimated at $10,000. That means $8,500 should come from insurance and you would pay $1,500. Now let’s say a roofing contractor knowingly inflates the damage to $11,500. The insurance payout increases to $10,000, and the contractor does the repair without the deductible. Again, deliberately falsifying an estimate to allow for an increase in insurance payouts is insurance fraud. There are significant criminal penalties for this type of fraud and hurts all parties involved. Any contractor who offers to waive your deductible is likely making up the difference by cutting corners or using lower quality products that can lead to more claims and repairs later on.

The Illinois law prohibits home repair and remodeling contractors from advertising or promising to pay or rebate “all or any portion of any insurance deductible as an inducement to the sale of goods or services.” This includes “granting any allowance or offering any discount against the fees to be charged or paying the insured or any person directly or indirectly associated with the property any form of compensation.”

Play It Safe and Pay Your Roofing Deductible

The bottom line is that there is no escaping from your deductible. The best solution is to play it safe and pay your deductible. TTLC Roofing, Siding, and Gutters does not participate in insurance fraud. We are a trustworthy, law-abiding company, and we are here to make sure you are fairly compensated for your claim. Call us at 815.205.1500 or fill out our form to set up a roofing inspection.

Since a well-maintained roof can easily last 20 years (if not more), replacing your roof is something you’d do no more than a couple of times in your lifetime. This means when it comes to replacing or investing in your roofing Plainfield, IL, you want to do it right.

But with so many roofing companies in Plainfield, IL, how do you find the most reliable roofer who will do quality work? Well, read on to learn how you can choose the best roofing contractor in your city to ensure your money is well spent.

They Must Have Positive Customer Testimonials and References

Any reputable roofing Plainfield, IL will be happy to provide you with their previous customers’ references to support their claims. You should also check out their website or Google Business page to see what their customers have said about them. No contractor will have 100% 5 star reviews, but if most of the online reviews about them are negative, it’s clearly a red flag.

They Must Have Necessary Credentials

The roofing industry has specific standards in place to keep homeowners as well as contractors safe. Many people get confused when trying to understand the difference between a roofing Plainfield, IL contractor having a credential or a license.

A credential refers to certification from reputable issuing bodies (generally manufacturers). These certificates or credentials are awarded to roofing companies following successful completion of expert training.

It’s prudent to choose a roofing Plainfield, IL company that is credentialed because it shows they have the “competency” to do the job right, the first time. Having a license on the other hand simply means the contractor has permission to operate in a certain region.

They Must Be Licensed

A home’s roof is one of the most important parts of the whole structure, so it should be treated as such. When you are looking for a roofing or construction contractor, make sure they have all the necessary licenses according to where you live.

Plainfield, IL has certain local and federal licensing practices, and if the contractor can’t show you their license, hiring them to work on your roof might prove to be a costly mistake.

They Must Offer A Warranty

Whether it’s the roofing Plainfield, IL construction materials or the roof installation process itself, both should come with a clearly defined warranty. Choose a roofing company that offers a limited lifetime warranty on all the roofing projects they do – repair, materials, installation, maintenance, replacement, and labor.

A contractor who offers a warranty is essentially promising you quality work – this will put your mind at ease about the integrity of your roofing for decades to come.

Contact A Licensed & Trustworthy Roofing Plainfield, IL Company

The decision to have your roof replaced or renovated can seem overwhelming. You want to work with a contractor who you can trust, and who can make such a significant project straightforward and manageable.

At Tee Time Landscape & Construction, our licensed, credentialed, and bonded contractors specialize in different types of roofing Plainfield, IL. We not only offer guaranteed quality work, but also promise a 30-day turnaround from claim to when your roof is completed. Call us at 815.205.1500 or complete this online contact form to set up a consultation.