Roof framing is a challenging job. Like surgeons, all cuts should be accurate to achieve the desired result. Many Houston roofing contractors agree that roof framing requires more skills and knowledge compared to any other framing activities. There are several roof styles and mathematical equations carpenters have to use in order to build a wonderful house. Many experienced home builders admit even master carpenters who build different roofs are not experts in roof framing. This only confirms that the fine art of wood cutting is hard to master.

Simple Craft to Master

The craft of roof framing happened several years ago. Many tricks and refinements require long years of experience to master; however, some basic roof framing tricks can take only half an hour to master. The level of difficulty in framing depends largely on the roof. Many homeowners want to combine multiple roof types in a single roof. One of the most common is a hipped-roof mixed with gable dormers.

Framing Determines Roof Shape

The assembly of one or two roof types is one of the key elements in creating the architectural design of a house and oftentimes makes the craft difficult. Hips, overhangs and dormers add to its framing intricacies. Roof shapes command a degree of difficulty and will confirm the amount that should be spent for the building of the entire roofing structure. Gables, flat or shed roof types are more affordable; however, a combination of these is relatively expensive. Generally, shed is the easiest roof type to assemble.

Framing Factors

To create a beautiful architectural design, Houston roofing contractors must take into account several factors.

• Architectural parameter ? This includes building height, geographical location, materials to use for building construction, additional corners, and valleys.
• Advanced Technology ? Roof framing should be built using advanced techniques. Applied roofing technology determines the strength of the trusses to support all the roofing materials when they are ready to install.
• Attic ? In crafting roof shape, the carpenter should consider the attic since it can be used as a living room or just a simple storage room.
• Skylights ? This added structure creates a weak spot, so the carpenter must ensure that the framing is strong enough to support the additional structure.
• Materials to use ? There are several types of materials that can be used for crafting roof framing. Materials vary from plastics, metals, and solid woods and the latter is the material of choice by most roofers.

Roof framing ranges from simple to complex. Houston roofing contractors must have knowledge on framing irregularities and different roof shapes and the required knowledge for this kind of endeavor can?t be acquired overnight. Lawyers and physicians spend several years perfecting and learning their necessary job skills; the craft of roof framing needs the same time to master. With the modern advances in roof technology, ways were discovered to easily calculate and cut the desired length of rafters by determining the roof pitch and building line. Framing is not hard; however, it does require learning and practice to excel!

Congratulations American Metal Roofs!

One of our leading dealers was recently recognized by Inc. Magazine as number 766 on their list of the 5000 fastest growing businesses. That company is American Metal Roofs based in Flint, Michigan.

At American, Frank Farmer and his team have developed very exacting systems for selling and installing our residential metal roofing systems. It is great to have them on our team!

Marketing in one of our country?s most ?roof-brutal? climates, American has achieved tremendous growth and success despite Michigan?s economic woes of recent years.

We at Classic Metal Roofing Systems, congratulate and thank American Metal Roofs while wishing them continued success!

Tags: American Metal Roofs, frank farmer

Just when you think you are making progress by getting the insurance check in the mail, you notice your mortgage company is listed as an additional payee and an endorsement will be required. This is always exciting especially when you have a roofing contractor that is anxiously awaiting payment. When you?re working through your insurance claim, working wth an experienced colorado springs roofer, can certainly walk you through some of the questions that arise! Most roofing companies in Colorado Springs have experience with the insurance restoration process, including policies and procedures of some mortgage companies.

Why must the mortgage company need to endorse my insurance check?

While it seems like a waste of valuable time, this policy is in place to safeguard against those who would misapply their insurance money and never complete the repairs. Understandably, the mortgage companies are protecting their investments, but none the less, it makes for additional work for the insured. The process can be time consuming so it?s best to begin as soon as the check arrives.

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What do I do with the insurance check?

As soon as you find out your claim has been approved and funded, call your mortgage company to ask them specifically what steps they require you to go through to get it endorsed. It varies between companies. If there is not a local branch in which you may take it, write down the address to which to send it. Write down which documents you will need to provide them. Most want a copy of the insurance loss statement, and some require contractor affidavits and release of lien documents that have to be notarized by your contractors. Many roofing companies in Colorado Springs should have the ability to provide all necessary mortgage company documentation. Some require a W-9 from your contractor. Sometimes homeowners are required to schedule inspections by a mortgage company representative upon completion. The more you find out in the initial conversation, the more smoothly the process will go. Many or the largest banking institutions are located in Arizona, California, Florida and Texas. Other institutions are scattered throughout the nation. If you?re a lucky homeowner than you may have a local branch with a management staff that?s able to endorse the mortgage company check for you. We?ve found that in Colorado the local Credit unions that have given home loans are easy to work with when a mortgage check needs to be endorsed. In addition, Wells Fargo local branches seem to always have a willingamanager that has the ability to endorse a mortgage company check that has been listed as an endorsee on a check for a property insurance claim. There are some other banking institutions that the process is quite simple, however don?t be surprised if it takes a lot longer than you expect. Either way the sooner you begin the easier it will be for you to begin working with a contractor and ultimately to pay the contractor the final payment when all work is completed. Almost all insurance companies will release funds over two payments. The first payment is part of the actual cash value payment. The second payment is the recoverable depreciation part of a replacement cost value policy. I?m assuming that you have a replacement cost value policy. If you would like more information on this subject please browse through our pages.

How long does this process take?

Consider sending the insurance check overnight to them to expedite the process if that will benefit you. Allow up to 10 days on average for them to process the endorsement and send it back to you. In some cases, the mortgage companies will keep the checks for over a month or create an escrow in which they only release partial payments of the insured?s insurance funds. Historically when the lenders client has a history of slow payments than they will release the funds in proportion to the work that has been completed. Many times the mortgage company will hire an inspector which will go to the property with the insurance claim in hand. This home inspector will insure that the scope of work which is listed on the adjuster?s claim summary has been completed. If the work is completed the inspector for the mortgage company will notify the mortgage company of the facts. Of course the length of time necessary for this to occur will depend on the inspectors schedule and timing of necessary protocols that have to be met by the inspector with the hiring mortgage company. If the mortgage company only requires one inspection at the completion of all the work on the insurance loss statement this will certainly benefit the homeowner. Again there will be some occasions when the mortgage company may require multiple inspections. If one is extremely lucky and the mortgage company doesn?t require any inspections than the entire process of time should be shortened. However, there are times when mortgage companies are overwhelmed with all of the insurance claims handling process with all of their loans and it happens to coincide with a time when they are short handed thus extending the time that it takes for this process. Overall if everything goes smoothly than it should take up to 10 days to get the mortgage company check endorsed.

What is the role of my contractor in the endorsement process?

At times the homeowner is asked to pay out of pocket and get reimbursed with their funds after proving payment in full to their contractor. This along with the other delays mentioned above can create a difficult situation for the homeowner who has timely repairs to make and is unable to access the funds by which to pay the contractors. Don?t be afraid to ask the contractor to speak to your mortgage representative on your behalf if you find yourself in this difficult situation as this can be highly effective in getting a rapid response. However, in most cases, the contractor is not involved in the mortgage company endorsement process other than to provide requested documents to the mortgage company.
If you are fortunate enough to have paid off a mortgage or if you refinance your loan, please confirm that your insurance company is updated, so they will not issue a check on your next claim to a mortgage company that does not have any legal recourse to sign it. This oversight can cause unnecessary delays in having your insurance funds available to make necessary repairs. The good news is that it is easily avoided with a phone call or letter to the right department.

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