Lyons Roofing

Roof Replacement and Repair Contractor Louisville, KY and Indiana

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Louisville: (502) 689-0338
Indiana: (812) 294-3595

Finance a new roof

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Everyone dreads the day a major home project comes up. Whether it is a new HVAC system or a new roof, cost is always something that makes people cringe. Why not take the worry away and finance a new roof.

 

Financing Your Roof

Finance options

Of course, there are other options. You could put your new roof on a high interest credit card or even go to the bank for a loan. But, with 100% financing available with The Lyons Roofing Company, we can help you through the whole process, in the comfort of your own home.

 

Finance your roof

Advantages to financing

  • Low monthly payments
  • Flexible repayment terms: 5, 10, 15, 20 years
  • Fast in-home approvals
  • No prepayment penalty and free re-amortization
  • 100% financing
  • Free Estimates

 

This type of financing allows you to replace your roof and make affordable monthly payments without accruing huge interest charges. You can use the money you save on things that are more important.

With The Lyons Roofing Company financing programs, there is nothing holding you back from getting that much needed roof replacement or roof repair completed. Our team will walk you through the roof financing process step-by-step and work very hard to find you the best financing options we can. Contact us today to learn more about financing your new roof.

Ice and Water Shield

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Ice and Water shield, looks similar to felt. But, provides so much more for your home. Have you ever seen a roof installation and wondered what the local roofing contractor was installing? It rolls out like roofing felt, but what is that they are peeling off the back?

 

installing-roofing-felt-over-ice-and-water-shield-in-a-valley-1024x768

 

Ice and water shield was one of the greatest inventions for your local roofing contractor. Manufactured with a rubberized asphalt mixture, ice and water shield provides one of the best layers of protection a home could ask for.

 

Where to use ice and water shield?

Ice and Water Shield can and should be used in all climates and locations in the U.S. Depending on where you live in the country you will have different requirements for use.

 

Southern climates

In the south you do not have as much ice and snow to battle, most roofing contractors will use the product in areas that are prone to leaks. Valleys, chimneys, skylights and any in some cases walls as an extra layer of flashing

ice and water shield

 

Northern climates

Sorry northerners, you need more Ice and Water Shield to protect your home. The snow and ice build-up that so commonly happens in your area needs to be stopped from entering into your home. In addition to valleys, chimneys, skylights and walls. Ice and Water Shield should be installed at the base of your roof. This provides an extra layer of protection in areas that ice and snow commonly build up.

 

ice damns

How does Ice and Water work?

With the rubberized make up of Ice and Water shield, it provides a seal around every nail that penetrates the material. Think of a nail puncturing a tire, yes the nail goes in but immediately the rubber in the tire forms around the nail and in some cases, you will never have a leak.

That is why most reputable roofing contractors will explain the importance of ice and water shield and make sure it is installed properly and in the right locations.

We hope that regardless of who replaces your roof, ensure that this product is in installed in the areas needed depending on the climate.

 

Roofing and Homeowners Insurance

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Ever wondered about roofing and homeowners insurance, what an insurance company is talking about when it comes to Replacement cost or Actual cost value? Or, do you even know what kind of coverage you have on your home and roof?

 

roofing and homeowners insurance

 

Most people don’t take the time to understand or even know they may have a massive gap in their roofing and homeowners Insurance coverage.

 

Lets say you live in the Midwest, you have a massive storm event once every 3 years and it results in a new roof at an average cost of over $14,000 dollars each replacement. Does it sound like a good investment for your insurance company to take in somewhere between $300 and $1000 a year, then have to pay that entire $42,000 out?

 

Someone has to take a hit on the roofing and homeowner’s insurance coverage.

 

So what exactly is Actual Cash Value and Replacement Cost, which will better protect you as a homeowner? Only you can decide which will be the best option for you and your family. They can both be viable options, but, one can cost your more than the other.

 

  • What is Actual Cash Value

Actual cash value is the amount equal to the replacement cost minus depreciation of a damaged or stolen property at the time of the loss. It is the actual value, for which the property could be sold, which is always less than what it would cost to replace it.

 

  • What is Replacement Cost

A replacement cost is the cost to replace an asset of a company at the same or equal value. The asset to be replaced could be building, investment securities, accounts receivable or liens. The replacement cost can change, depending on changes in market value of the asset and any other costs required to prepare the asset for use. Accountants use depreciation to expense the cost of the asset over its useful life.

 

So which coverage should you choose

What coverage is best for you and your home? That is really for you to decide. For most Replacement Cost is the best coverage for roofing and homeowners insurance. There is normally a substantial cost increase going with this type of coverage. Actual Cash Value can be a viable option as well; The only difference between replacement cost and actual cash value is a deduction for depreciation. However, both are based on the cost today to replace the damaged property with new property.

 

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Can you really blame the insurance companies?

There is an old saying “Profit isn’t a dirty word”. Yes, we as homeowners want to protect ourselves. But, an insurance company wants to protect themselves as well, after all if we didn’t have insurance companies. We would have to keep a lot more money on hand in times of emergency.

Contact your Insurance agent or local roofing company if you have any questions about your roofing and homeowners insurance policy. It is easier to ask people that do it for a living than try to figure it out yourself.

 

 

 

Do you have bump’s on your roof?

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Have you ever looked up when pulling into the driveway and seen random bumps on your roof? On the other hand, what about long raised sections systematically lifting up all over your roof? If so, you could have a major problem!

 

What causes bumps on your roof?

 

Lets start with the small random bumps on your roof. Multiple things could cause these small raised sections. Most commonly know as nail pops, these areas are caused by either a roofing nail not being driven all of the way in or one that gets driven in side ways and will hold the shingle up just slightly.

 

buckled plywood

On the other hand what about the long raised up sections that seem to be showing up systematically on your roof? This is a easy problem to diagnose, but not very easy to fix. The fix on this is something that can be very intrusive. However, we will dive into that later. These long raised up sections are from improperly nailed roof decking. If your home has plywood decking below your shingles and the plywood was not nailed properly. In time the decking will start to warp and curl on the ends causing these raised sections.

 

How to fix bumps on your roof

 

            Nail Pops:

 bumps on roof

Small areas otherwise known as nail pops can be easily fixed by a homeowner if they can safely do so. In most cases, a simple hammer on the nail will take care of the problem. However, if your shingles are sealed to the point where you cannot safely pull them apart without tearing them then you may need the help of a professional to take care of the problem.

 

If you are fortunate to still be under your roof warranty this is something that will be covered under labor warranties. If not depending on how many nail pops you have on your home you may have to shell out a few hundred dollars to have a company come in and fix the problem.

 

            Buckled Plywood:

 

What if you are one of the unlucky ones that has the problem of buckling plywood? This is most likely something you will have to consult a professional contractor on. It can be a possible easy fix, but you would have to go to every raised section and drive screws into the decking to try to pull it straight back to the rafters. However, if you put the screws through the shingles then you will have the perfect storm for leaks all over your roof. Even if you put the screws through the lower layer of shingles, you could great the opportunity for a leak.

 

nail pops

 

The only way to properly fix this is during the full replacement of the roof. At that time, a contractor can address the raised decking and if needed replace any decking that has warped beyond repair.

 

Regardless of small bumps or larger raised ridges along your roofline, if you have a steeper pitched roof you should contact a professional contractor. It is much safer and can take care of the problem without having to leave the comfort of flat ground. Yes, it may cost you a few dollars but at least you know the work will be done right and done the first time.

Roof Leak at Pitch change

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Do you have a pitch change on your roof? Do you have a nagging leak you just cannot figure out in that same area?

What is a pitch change?

pitch change

First off, what exactly is a pitch change? Most commonly, found on homes that have an extended front porch tying into their main home. It can be found on normal homes that have been built with dimension in order to break up the look of a straight home.

 

So how exactly can a pitch change create problems? Is it something that can be fixed in a DIY situation or something a professional contractor should address?

Problem areas in pitch change

Pitch changes do create an interesting situation. In areas that receive a fair amount of snow or long cold spells are at high risk of ice damns forming in areas of pitch changes. This can allow water to back up and work its way behind shingles and coming into your home.

 

Additionally, during the installation of your roof if nails are installed right in the middle of the pitch change can create major problems.

What to do?

So how as a homeowner can you try to fix this yourself? Well there is no easy way to as a homeowner. This issue should be address one by a professional contractor and even better if addressed during the original installation.

 

If you are installing the roof as a homeowner or having a contractor install the roof then its best to make sure you request an Owens Corning ice and water shield or similar product, in the pitch change in addition to all valleys. Make sure there are no nails nailed directly in the center of the pitch change.

replacement pitch change

Those seem like simple enough but a major issue that most people miss and even some contractors miss is “short shingling” the lower slope. If the slope is below a 2/12 pitch then an asphalt shingle system is out of the question, you must go with a system designed for low slopes.

 

Extra Protection

Another extra layer of protection that some companies install and we at the Lyons Roofing Company recommend is for any low slope system from 2/12 to a 4/12 pitch we install Owens Corning Ice and Water shield on the entire section.

 

As a homeowner or a do it yourselfer make sure you address these areas during the installation. If not you will have years and years of headaches.