Posts Tagged ‘Roof’

Norfolk Roofs

Wednesday, February 9th, 2011

Here in Norfolk, Virginia, being the oldest region in the country, we have some of the oldest roofs and widest variety of roofs in America. We have everything from slate, cement tile, asbestos, cedar, metal and tar and gravel to the newer types, like asphalt singles, synthetic slate and rubber.

Deciding whether or not to get a new roof depends on the type of roof you have and the condition of the roof. If you have a slate, cement tile, asbestos or metal roof you may want to repair instead of replacing. If at least 75% of your roof is still intact it is probably more cost effective to repair the roof. If you have an asphalt or cedar shingle roof, a visual inspection will most likely tell you what you need to know. If your shingles are curling or starting to blow off, it is probably time for a new roof.

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Slate roof repairs, Norfolk, VA

Tuesday, February 8th, 2011

 Here in Norfolk, VA, we have many beautiful slate roofs on homes throughout the city. It saddens me to see so many of these roofs covered with caulk and roofing cement. This type of repair does not last long because once the caulk or cement hardens it cracks and the leak starts again. Although the repair does not last long, the ugly tar-like substance lasts forever on these roofs. The only way to remove it, is to remove the many slates infected when originally there may have only been one or two slates in need of replacement. Replacing slates is not brain surgery but some rules must be followed if you expect the repairs to be effective.

Do you need slate repairs?

Stand in your yard and look at your roof to determine if any slates are missing or have slid down from their original position. Any missing or displaced slates should be replaced immediately. If 1/3 of your slates are missing or damaged it may not be cost effective to do repairs, at this point you may want to think about getting a new roof. Another major problem can be that your slates were installed with the improper nails. If you have a large number of missing slates this may be your problem. If your nails are rusting and the slates are sliding out, eventually every one of your slates will come loose and slide out.  Slates last anywhere from 50 to 100 years or more depending on the type, so if you can repair your roof it is a good idea to do so.  The next time it rains heavily go into your attic with a flashlight and look at the underside of all the roof deck and pay special attention to any penetrations in the roof (pipes, vents, etc.). If you see any dripping or any wet spots this should be addressed immediately. If the wood deck under a slate roof rots extensive labor is involved in the repair because all of the slates in that area must be removed to change the damaged wood.

Be careful traversing the roof!

Walking on a slate roof can be dangerous for you and your roof. Slate can be slick and walking on it can crack the slates, sometimes in places where the cracks can’t be seen until the roof begins to leak. Just having someone walk on your roof can cause many more leaks than you already have if they do not know where to step. Always step on the bottom 2 inches of the slate, this way the load is transferred to the roof deck preventing the slates from cracking.

Repairing the slate roof.

First thing is locating the proper size and color slate. As far as the size goes the thickness is more important than the width because slates can be cut down to the proper width but not shaved to the proper thickness. The exact color may not be able to be found because of the rate of fading or color change due to iron content which varies from slate to slate. Having more than one place to buy slate will insure that you get as close to the existing color as possible. Synthetic slate should not be used to repair natural slate roofs. Since slates can’t be nailed in the traditional way on repairs synthetic slate tends to curl up on the sides when the sun heats it up. When removing the damaged slate great care must be taken or many more slates will be damaged in the process. When installing the new slate there is one method that should be avoided. Many leaks that we have found on slate roofs are from previously repaired slates. This method of repair is when the slate is slid in, then a hole is punched in the slate and a nail is driven into the hole. After that a slip-joint or bib is slipped in to cover the nail. The problem with this is that if the bib slides out water can run directly into the nail hole and often does when this method is used. A hidden clip method is the best because it does not compromise the integrity of the slate and doesn’t run the risk of cracking other slates in the process.

Hopefully this information will take some of the mystery out of slate repairs for you. If you have a slate roof, you have one of the building systems and materials that has stood the test of time. When properly installed and repaired, slate roofs perform as well as they did in the Colonial days.

We are exterior repair and replacement contractors in Hampton Roads, VA and specialize in  roofing, siding, windows, doors,decks and trim. We serve the cities of Norfolk, Virginia Beach, Chesapeake, Portsmouth and Suffolk. For a free estimate give us a call (757) 235-3320 or visit our website at www.sunsethomerepair.com .

Financing Home Improvements and Repairs

Tuesday, February 8th, 2011

When financing your home improvements you have several options, from friends to credit card to bank loans. In this economy it is not as easy as it used to be to get loans, but it is still possible.

- Contractor secured financing : Select contractors ( Sunset Home Repair for instance ) have agreements with financing companies that allow them to offer financing to their customers. This financing can range from fixed loans with monthly payments to same as cash financing for 6 months to a year. With contractor secured financing be careful and make sure to review the terms and look for any hidden charges. Some financing companies give kickbacks to contractors and hide fees in the small print. I know contracts can be long and the wording can be tricky but it is worth it to sit down at the kitchen table and read every word. If you don’t understand any section or something doesn’t sound right, call the financing company and have them explain it. For more details call Sunset Home Repair at 757-235-3320 or go to http://www.SunsetHomeRepair.com .

- Credit Card : Be careful when using a credit card because if you can’t pay it off quickly the interest will pile up so quick it will become impossible to pay off.

- Friends and family : I hate to even put this option in here but for some people it is a possibility. If you do go this route print up a legal agreement and sign it to give the lender some piece of mind. Also offer up any kind of collateral you can, this will also give piece of mind and maybe keep you a bit more honest. If you know your cousin is going to pawn your Babe Ruth rookie card you may be more inclined to pay your monthly payment on time.

- Sell something : I know some people would rather be homeless than sell their motorcycle and that’s good, because if half your roof falls in and the city condemns your house, you will be homeless.The fact is that most things go down in value every year and your house goes up in value. So if you have to sell something, that is going to be worth less money next year, to make sure your house will be worth more money next year you have made a smart choice.

- Refinance : If you have equity in your house you can refinance and pull some cash out. If interest rates are lower than the rate you currently have this can be a viable option.

- Bank line of credit : You can apply for a revolving line of credit at your bank. This will work like a credit card but at a lower interest rate. Although better than a credit card, if you can’t pay it off quickly the interest rates will pile up like with a credit card.

- Home equity loan : If you have enough equity in your home you can get a fixed loan from your bank secured by that equity. A fixed loan is good because you know how much you will pay every month and for how many months.

- Unsecured loan : If you have good enough credit you may be able to get a fixed loan from your bank although you don’t have enough equity in your home. These loans will most likely come with higher interest rates equalling higher monthly payments.

- Tile 1 loan : This is a Government insured loan and requires no equity in the home. Your home will be used as collateral and you will pay interest and closing costs. This type of loan can’t be used for luxury additions to your home and has a limit of $25,000.

- Borrow from you 401K : Some employers may allow you to borrow from your 401 K plan. There may be penalties and if you leave your job you will have to pay the balance in full. I would not recommend that you play with your retirement but if it is your only option you may consider it.

The methods described above are not the only options available. If you continue to think about and maybe even get creative you will be able to figure out a way to pay for repairs to your home. The most important thing is getting the work done before more damage occurs.

Whichever path you choose to take, just make sure you have enough money to pay the required amount at the end of each month. If you understand the terms and do your math correctly there should be no surprises and you will be able to have the work completed that will protect your home.