A) Most homeowners do not realize the seriousness of a hail/wind damage without a professional inspection. Even if the damage looks very minor, it can lead to serious problem; such as moisture infiltration and mold in attic. This results in the decrease of the roof and siding quality and reduce your house value. That is the reason why insurance company covers storm damage (Natural Disaster) to replace damage roof and siding.
A) Homeowners insurance covers fire or lightning, windstorm or hail, freezing of plumbing system and theft.
A) If one estimates seems much lower than the others and it sounds too good to be true, it probably is. Many fly-by-night contractors’ below- cost bids seem attractive, but these contractors often are uninsured and perform substandard work.
A) Clearly written proposals that are detailed and broken down into separate line items are a good sign that the contractor is being thorough and has prepared an accurate estimate. The following is partial list of items your estimate or proposal should include:

• The type of roof/siding covering, manufacturer and color.
• Materials to be included in the work, e.g., underlayment, ice dam protection membrane, insulation, water proofing.
• Scope of work to be done: Removal or replacement of existing roof/siding. Flashing work, Ventilation work, Capping, and Gutters and Downspouts.
• Approximate starting and completion dates.
• Payment procedures.
• Length of warranty and what is covered, e.g., workmanship, water leakage.
A) No, Vinyl siding can be installed all year round and in fact is manufactured to withstands the most extreme temperatures.
A) There are no specific temperature guidelines regarding when it is too cold to install asphalt shingles. Asphalt shingles do become brittle in cold temperatures, with fiberglass shingles more likely to break than organic shingles. Breakage can be minimized or eliminated if the shingles are stored in a warm area and loaded onto the roof a few bundles at a time.
A) Remove as much snow as possible, but call a professional roofing contractor if your roof is steep, the snow is deep or the ice is thick. NRCA (National Roofing Contractors Association) does not recommend using ice picks or any tool with sharp edges because there is a chance of damaging roof coverings and flashings. NRCA also does not recommend hosing down a roof with water or use of a hot air gun. Electric heat cables generally have limited effectiveness.
A) Use a mild solution of chlorine bleach and water or mild detergent gently applied with a sponge or hand-held sprayer and rinse thoroughly.