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What to Do in Case of Roofing Disasters

»Posted by on Jan 3, 2020 in Uncategorized | 0 comments

As a homeowner, you can rarely predict when bad weather will affect your home, especially if the storm will damage your roof. It’s important to understand the right steps to take when your home roof is damaged. Windstorms, severe rains, and snow and ice can damage a shingle roof. 

  1. Evaluate the roof damage.

After severe weather, the first step is to assess the damage. Approximate damage estimates will help you negotiate your needs with your client or contractor and avoid unexpected costs or inconsistencies. This is usually only possible during daylight, so in some cases, you may want to skip the next step before start evaluating the damage. 

Use binoculars as you look at your roof to find damaged areas. Estimate the total square foot area. Be aware of damage extent and see if patches of damaged shingles remain. Few odd shingles are missing in some situations. If some materials are visible or exposed, then there may be roof damage. Find bare stone, fabric, or broken shingle ends. Remember the original color of your shingles and the new asphalt product color. In the past, there are some extra shingles included in the kit to be used as a replacement. 

  1. Apply temporary adjustmentsto mitigate property damage. 

Dripping rain can affect the interior of your home. If the roof is severely damaged in an area that is directly above the living area, then you’ve got a problem. Use a bucket to catch the leaking water to prevent further damage indoors. Remove all valuables in the room. Using an ice and water membrane or a strapped tarping procedure, serious damage can be quickly water-resistant, while minor repairs can be shingled immediately. 

  1. Contact your insurance company.

Tell your insurance provider about the situation. It would be more economical to assess whether the damage is large enough to get the insurance company involved or to hire a contractor directly for the necessary repairs. In natural disasters, when storms or other harsh weather hit large residential areas, homeowners’ insurance can help greatly. 

  1. Hire a reliable contractor to repair the roof.

When hiring a private contractor, always employ a certified professional roofing contractor. Avoid companies that are only around when a natural disaster strikes. Traveling companies that follow the storms are unreputable and usually provide low-level work.  

Where to Get the Best Roofing Services  

If you want to make sure that you get only the best roofing services, you must find the most experienced asphalt roofing contractors in your area. Make a shortlist of these companies, preferably five or more of them.  

Then do your research or background check. Verify with independent organizations like the BBB and the local government to determine how reputable the companies are. You also want to request a quote from these companies so you can compare their rates side by side.  

Pick the best roofing company from your shortlist. Choose the one that you’re confident that will provide great services at the least possible rate. It would help if you ask trusted people and other experts for help when deciding.  

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How to Deal with Home Loans, Lenders, and Lawsuits

»Posted by on Sep 11, 2019 in Uncategorized | 0 comments

Without access to some sort of loans, most people can’t afford to buy a house. Home loans usually enable an individual to acquire a residential property. A mortgage is the most popular type of house loan. There are several distinct kinds of mortgages and they vary depending on a lot of factors, such as the monthly rates and interests. 

 

There are also other kinds of home loans other than mortgages. There are, for example, loans for home improvement that enable a homeowner to finish a home improvement project, such as building room additions, adding landscaping, and doing roof repairs. Other loans like junior mortgages are also available. These all rely on the borrower’s objectives and goals when borrowing money. 

Common Disputes in Residential Property Loans  

There are some disputes that may involve lenders of home loans. 

It is essential to find the correct home loan type and lender when securing loans. Finding the right lender that matches your qualifications and requirements is essential. Some prevalent conflicts concerning home credit lenders include:  

  1. Fraud in issuing or denying a loan 

The borrower may sometimes be unaware of lender fraud until later. While there is mortgage fraud that is directed to the borrower, there’s also one that affects the lender. If you think your lender has committed fraud, talk to a Savannah residential real estate attorney right away. 

  1. Violations of credit agreements 

Credit agreements are given to all parties and these are duly signed. Such agreements hold in court. If any of the party failed to comply with any of the agreements listed therein, then that party can be sued accordingly.  

  1. Issues concerning credit changes 

The credit terms are not supposed to be altered without any prior notice and without going through certain procedures. This is done to protect the interest of both parties. Any changes in the credit should be done appropriately and with consent with both parties. Otherwise, those changes can be contested in court. 

  1. Sudden rises or changes in monthly payments or interest rates 

Like any other mandate on the credit agreement, a lender cannot raise the monthly payment or interest rate of the loan unless it was agreed upon prior. Any sudden rise or change is an infraction of such agreements and has to be called upon. It has to be approved accordingly as well.  

  1. Lack of credentials or operating permits 

Lenders have to be duly authorized by the government to process and provide loans. If they are not complying with the strict regulations of the federal government, then they are liable for charges. The state does this to protect all borrowers and their interests. 

  1. Various home credit scams and lending schemes 

There are many different types of home credit schemes and lending scams and it has to be stopped. If you think that you have been a victim of these scams, consult a Savannah residential real estate attorney to help you out. All unscrupulous individuals have to be brought to the court so that they won’t victimize other people anymore.  

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