Tree Damage

Friday, September 15th, 2017

Year after year Georgia is hit with rain and wind storms.  They usually bring about soft soil, flying debris, and potential for serious disaster.  We receive many questions regarding these claims so we thought we would go over a few of the main questions our customer have.

What happens if your neighbors tree falls on your home, fence, or auto? 

The answer depends on where you live.  If you live in urban Georgia then the Georgia “visibly dead or diseased” rule applies and holds the property owner with the tree more liable.  The tree owner is responsible for paying all damages when the fallen tree showed visible signs that the tree was dead or had a disease.  However, if it did not show any visible signs (as a healthy tree blown over due to a wind storm etc.) then the owner of the damaged property is responsible for their own property.   If a person lives in rural Georgia then the rule is a bit more difficult because unless the tree owner is found to have known of the trees bad condition  (disease or was dead) they are not liable.

Since the Georgia law is so vague in interpretation we encourage our customers, that have concerns regarding a tree that is visibly dangerous, to photograph the visible issues and document contact with the owner of the tree.  We encourage email or some form of provable communication in the event one party denies such communication and the property damage becomes a decision for the courts to rule on.

Will my home owner insurance cover damage caused by fallen trees?

This depends on the policy coverage and endorsements purchased. A typical replacement policy will protect the home, outbuildings, and fences against specific causes of loss.  Wind and hail are typical occurrences the home owner faces that we as contractors are brought in to assess. However, almost all policies will not cover a loss caused by negligence or a maintenance related issue.  For example, if the tree was rotting before the storm then the company could deny the claim based on the home owners responsibility to maintain and upkeep the property.  Another situation is if your roof is damaged (blown shingles, punctured roof etc.) it is the home owners responsibility to tarp immediately to protect from further damage.

What if the fallen tree didn’t damage any structure on the property but fell in the yard?

This falls under debris removal. Debris removal usually has a stated limit or it is an endorsement that is extra and has to be purchased.  Most polices will not cover removing a fallen tree unless it has caused damage to your property.  Some policies will remove debris if blocking an entrance or exit for those with disabilities.

A contractor said he can cover my deductible will you do the same?

As a home owner you have entered into an agreement with your insurance company to pay your deductible up to the amount chosen at the time of the policy inception.  It was also agreed in writing that the insurance company is responsible for the cost of the damages minus the deductible.  If you are not being truthful regarding the true cost of repair that is insurance fraud (a felony in most states) and could possibly lead to jail time.  The contractor and the home owner are both liable by Georgia law.  Many insurance companies have started requesting receipts and proof of payment on a case by case basis to enforce the law.  Most deductibles are $1,000+.  Any contractor who up front can cover such a large amount is cutting corners to do such.  This usually results in skipping needed materials which will cause further headache down the road for the home owner.  Bad installation is not covered by the insurance company and any claim due to such will be denied by most carriers. Have the work performed by a reputable company and completed right the first time.  Request a warranty in writing and a contract showing the exact work to be performed.

What is the insurance company responsible for and what am I liable for?

You are liable for your deductible.  Keep in mind that during certain large disasters that your deductible may be different based on the type of event.  Many policies have a larger deductible for hail, wind, or other large events.  The home owner is also responsible for any upgrades in products.

Why isn’t the rising water or septic tank overflow covered?

These are usually not covered under most home owner policies.  There is usually an endorsement that can be purchased that will cover these perils to a certain limit.

The city is requiring changes be made why doesn’t my insurance cover it?

Things such as drip edge, deck replacement, and many others may be required by a building/code inspector and your typical home insurance policy may not cover them.  As laws change and become more strict there are more items and details needed to put the roof back properly than when your past roof was installed.  “Code upgrade coverage” is an add on that you need to typically request that may not be automatically included.  Code upgrade changes such as decking replacement can be very costly.

Will my home insurance cover me in the event a worker is hurt while on my property?

Tree removal, roofing, siding and many of the other trades are very dangerous. Workers are seriously hurt due to the hazards of the occupation.  We encourage anyone having repairs done on their property to request insurance showing coverage for general liability, workers comp., and business auto coverage before they are allowed on their property.  This will protect the home owner from law suits and will help weed out the unscrupulous & fly by night contractors that are not professionals.


now for the legal disclaimer

***AR&C, INC. is a contractor and not an attorney nor making any representations of any insurance company.  All policies are different so we encourage our readers to consult with their personal agent or lawyer regarding their individual concerns.***







What separates Duro-Last from its competitors

Tuesday, December 27th, 2016

Industry-Leading Warranties

Duro-Last warranties provide unparalleled protection for commercial roofing applications. Duro-Last the first manufacturer to offer a warranty that expressly covers consequential damages.

Code Approvals

Duro-Last roofing membranes meet or exceed major national fire and wind code requirements as well as most required regional approvals throughout the country.

Superior Scrim

Knitted in-house, the anti-wicking polyester weft-insertion scrim has a 14 x 18 or 14 x 9 threads-per-inch density – among the highest in the industry. Duro-Last’s scrim uses a third tie yarn to prevent runs and doesn’t allow tears to spread. The scrim is the backbone of all Duro-Last’s membranes, giving them their strength and puncture resistance.

Picture of Scrim Between Sheets.

Performance Layer

Duro-Last’s thickness over scrim – also known as the “performance layer” – is thick, making our membranes extra durable. This means that Duro-Last Roofing Systems provide protection where buildings need it most: the exposed surface of the membrane.

Prefabricated Deck Sheets

Deck Sheets

Energy & Recycling

By reflecting up to 86% of the sun’s energy, Duro-Last’s white membranes can greatly reduce energy consumption and costs. With a total solar
emittance of up to 95%, the Duro-Last membrane is ENERGY STAR® qualified, meaning our roofing systems release energy and heat efficiently. Due to Duro-Last membrane being prefabricated there is less waste. Duro-Last scientist have developed procedures to turn membrane waste or old material into recycled flooring, walk way pads or concrete expansion joints preventing further landfill waste.

How Much Does Gutter Installation Cost?

Thursday, October 27th, 2016


Typical Home Owner Gutter Installation Cost

The average cost to install galvanized or aluminum gutters is approximately $4 to $11 per linear foot. Affordable Roofing & Construction offer 5″ and 6″ traditional seamless gutters. Half round gutters are a bit more expensive and are more for aesthetic looks due to the shape allowing fast flowing water the chance to escape. Commercial box gutters are also available in sizes of 7″ and higher. Therefore, installing from 125 to 200 feet of standard gutters will cost $1050-$2400 depending on the size, amount of intersections, amount of downspouts, and difficulty of height etc.

For the purpose of this discussion we will look at the price and requirements to install 200 feet of gutters.

Enhancement and improvement costs

•Gutter Drainage – It usually requires no more than $160 to pay a professional to design and install a system for the drainage of gutter water away from the house or foundation;
•Removal and Disposal – removing old gutters and disposing of them will usually add to the total cost. If you have city removal or other ability to remove the old gutters, let your estimator know so those cost may be removed from the quote.
•Cleaning – the average cost for a professional gutter cleaning is approximately $90-250 for a single service. In most areas it is necessary to clean gutters at least two times each year. Even with gutter guards there is still a need for gutter cleaning. Shingle granules and dust tend to settle through the screen and put great pressure on the fascia of the home. Depending on the type of gutter cover will determine how often and how difficult the cleaning will need to be;
•Gutter Guards – there are dozens of varieties of gutter guards. The costs for a system can range from as little as $200 up to $3600 depending on the type selected;
•Downspout Screens – in addition to using gutter guards, a homeowner may consider installing downspout screens as an extra protection to protect their downspouts from becoming clogged.

Questions to Ask a Roofer Before Hiring

Sunday, May 22nd, 2016

1. Are you licensed?
Most states require a contractor to be licensed. If you are in a state that does not require licensing, ensure that they have a local permit and the code inspector will be looking over the work they will be performing. Request that you view a certificate from the material manufacturer that ensures the contractor has been trained to put the product on properly, by proper specifications, and endorsed by the manufacturer to do such.
2. Do you have workman’s comp insurance?
In the state of Georgia for example visit:
Sites like these give the public the opportunity to ensure the contractor has protection in the event a worker is injured while on a person’s property. In today’s litigious society it is important to protect yourself form a worker becoming injured while on your property. Many state laws, when workers comp is not present, provide that the home owner is ultimately responsible for those hurt while on their property. If a worker hurts his back, he may have to have surgery or therapy for the rest of his life. It is important to ensure he can receive the medical services needed through workers comp coverage, and not risk losing your home and other assets in court to pay his medical expenses.
3. Do you carry general liability insurance?
While workers comp covers the people on your property, general liability covers your actual property. General liability coverage protects from several situations such as a fire started from friction of cutting plywood or welding etc. It is important to ask for a copy of this coverage to ensure the contractor has proper coverage. Last year a home owner shared with us they asked for the general liability coverage from a roofer bidding on their home and found it covered landscaping only. It is important to read the policy to ensure the contractor is properly covered and the policy will cover the risk of the job you require. Some unethical contractors will buy a cheap policy that basically covers nothing and hope the home owner doesn’t look over the policy.
4. Do you have commercial vehicle insurance?
Any vehicle allowed on the property by the contractor needs special commercial coverage in case of equipment failure or human error. In my years I have seen boom truck fail and crash through roofs, I have seen delivery trucks bump house walls sending them crashing in. If it can happen it will happen so ensure that you are covered in such an event.
5. Will you use standoffs to protect my gutters or fascia?
A worker with materials on his shoulder can weight up to 300 lbs and all that pressure is transferred to the substrate the ladder is attached to. This can destroy your gutters by bending them. It can take the protective painting off, and it can pull them away from the fascia. There are many ways to ensure the gutters, siding, and windows are protected from the process. Just ensure the company you chose has a good plan to protect these areas.
6. Will you remove my current roof material down to the decking?
It is important to remove the current material to ensure the decking is viewed and in good shape. If the decking has issues it needs to be resolved before applying new materials. If the decking is soft the nails will pull out in a strong windstorm. Workers may fall through soft decking and become injured if it isn’t replaced. If you are getting quotes make sure they are apples to apples and one contractor isn’t cheaper but planning on skipping steps the other contractor is going to take to do the job properly. Also make the contractor aware of any electrical or gas lines that may not be up to code and that could be damaged with nails driven into the decking etc.
7. Are you installing drip edge?
Drip edge is usually code in most areas now days but many contractors skip it to keep the quote price down. Drip edge insures the water shedding off of your home is placed into your gutters or directed away from your fascia to ensure longevity. It isn’t an expensive product, but if it is skipped, the damage that may result can be very costly.
8. Where and what container will you use to remove the old materials?
A yard, sidewalk or driveway may become greatly damaged by debris as it is removed from the roof if not protected properly. Certain trash bins will need plywood beneath them to prevent them from sinking into your yard or asphalt driveway. Always keep in mind that any yard ornaments or flower pots that are breakable need to be moved to a safe location until the job is completed. If you have a septic system, ensure it is clearly marked so no weight is placed atop of it. Make sure the contractors are aware of any sprinkler or water lines you may have in your yard.
9. In case of inclimate weather how are you prepared?
Every roofer takes a risk when they remove your roof. It is imperative that you ensure the roofer isn’t planning on a tear off when there is a chance of rain, or does not have the proper tarps or plastic covers needed during the project in case an unexpected rain cloud shows up. It is also important to ensure the rain protection is secured properly in case there are high winds.
10. Where is your office?
One of the biggest issues in the roof industry is fly by night roofers. Guys who show up, make quick money, and are never seen again. What do you do if your roof has an issue later? At times as a large contractor it is necessary to travel to keep a large work force employed rather than laying employees off during slow seasonal downturns. The important thing is to ensure the company is reachable. Call their office number, not the sales man’s number, and ensure they are easy to reach. Verify their standing with the BBB and read their reviews to ensure there are not complaints of not finishing or not making good on their workmanship warranties. This is where the next question comes into play….
11. What warranty do you offer?
It is best to protect your home by ensuring the contractor is certified by a manufacturer, and you purchase the manufacturer warranty. Once you receive your warranty certificate, if the contractor does not make good on their end you can call the shingle manufacturer and they will add pressure on the contractor and in some situation even send another certified contractor to fix the issue and then discontinue the relationship with the unethical contractor.
12. What is your cost per sheet of decking?
Since you don’t know what your decking looks like until the current material is removed, always get a price in writing on the contract of the decking before the project begins.
13. Who during the project do I communicate with in case I have any questions or concerns?
Many times home owners become discouraged because the project supervisor is away from the project purchasing materials etc. It is best to have a contact at the office or a cell number of someone you can call with any immediate concerns you may have.
14. Will everything be in writing?
Always get a very detailed quote to ensure contractors are quoting the same materials and scope of work. If something goes wrong, you do not want to end up in court without written proof of what was agreed upon so insist on a contract. Ensure that the payment schedule agreed upon is included so there is no confusion. As listed above also have any unknown prices such as decking, truss work etc. is listed just in case the issue arises later.
d in some situation even send another certified contractor to fix the issue and then discontinue the relationship with the unethical contractor.
12. What is your cost per sheet of decking?
Since you don’t know what your decking looks like until the current material is removed, always get a price in writing on the contract of the decking before the project begins.
13. Who during the project do I communicate with in case I have any questions or concerns?
Many times home owners become discouraged because the project supervisor is away from the project purchasing materials etc. It is best to have a contact at the office or a cell number of someone you can call with any immediate concerns you may have.
14. Will everything be in writing?
Always get a very detailed quote to ensure contractors are quoting the same materials and scope of work. If something goes wrong, you do not want to end up in court without written proof of what was agreed upon so insist on a contract. Ensure that the payment schedule agreed upon is included so there is no confusion. As listed above also have any unknown prices such as decking, truss work etc. is listed just in case the issue arises later.

Storm Damage

Tuesday, March 15th, 2016

Shingles & Siding are designed to protect your home from the weather, but wind, rain, & hail can cause severe damage. This damage can shorten the lifetime of your roof or siding so it is important to act quickly. Not all storm damage is visible to homeowners so it is important to have one of our trained storm damage specialist to give you a free estimate if your home has possibly suffered damage due to a wind storm or hail storm. Our experts are trained to help guide you through the process of dealing with your insurance company. During a large storm insurance companies are usually understaffed and overwhelmed. It helps them to have a professional contractor that can help document and aid them by following the proper steps as needed. With experience and years of working with insurance companies Affordable Roofing & Construction, Inc. has helped many homeowners as they make their homes whole again.

Why is Duro-Last known as the “World’s Best Roof”?

Saturday, April 18th, 2015

Over two billion square feet of the Duro-Last PVC roofing system membrane have been installed on all types of commercial, industrial, and institutional buildings throughout North America.

Every Duro-Last single-ply roof is measured and manufactured to exact size, accommodating every rooftop penetration. Prefabricating the vinyl roof membrane in our controlled factory environment eliminates up to 85% of seaming that is done on-site during rooftop installation, and improves the long-term performance of the roofing system as well reduces the material waste associated with the installation of most rolled systems. This precise attention to detail ensures an excellent fit and delivers worry-free, leak-proof protection. Duro-Last can even assist your architect, facilities or maintenance personnel in developing specifications for your roofing project.

The Duro-Last roofing system, made from a PVC membrane, is resistant to fire, chemicals, grease, high winds, and punctures, and easily accommodates wide temperature extremes. Duro-Last’s custom flashing components – made from the same vinyl roof membrane as our deck material – resist ponding water and help solve roof problems before they can occur. Plus with Duro-Last’s available Roof-Trak® Protective Walkway System, heavy equipment and maintenance traffic are easily managed.

Installed With No Disruptions
Building occupants will hardly know a new roof is being applied, because installation is quiet and safe. Our PVC roof membrane is mechanically-attached to the deck; edges and vinyl roof components are heat-welded together to complete the watertight, monolithic roofing system installation. There are no loud machines, no hazardous materials, no noxious fumes, no hot tar, and no mess. Because it’s made from lightweight vinyl, a new Duro-Last roofing system can often be installed over an existing roof without an expensive tear-off, virtually eliminating dust or falling debris that could interfere with building activities or damage sensitive equipment.

PVC roofing systems make an important contribution to sustainable buildings, and Duro-Last is proud to be a charter partner in the EPA’s ENERGY STAR® Roof Products Program. Duro-Last is a leader in cool roofing solutions, and our Cool Zone® brand addresses the growing nationwide interest in sustainable roofing systems.

Of the white, single-ply products rated by the ENERGY STAR program, only the Duro-Last Cool Zone roofing system has retained reflectivity of greater than 85% after three years of weathering (based on ENERGY STAR roof products testing criteria). The high sustained reflectivity delivered by our white PVC roofing membrane is saving significant energy and money for building owners all over the United States.

From lowering a building’s energy consumption to helping facilities obtain LEED® credits to reducing the urban heat island effect, the Duro-Last Cool Zone roofing system is a leading sustainable building product.

Backed By The Industry’s Best Warranties
Duro-Last is so confident in the durability of our single-ply vinyl roofing systems that we protect commercial and industrial installations with the best warranties in the industry. Our standard, comprehensive 15-year full warranty is transferable, has no exclusions for ponding water, and provides coverage against consequential damages that result from defects in the Duro-Last PVC material. Duro-Last also has 20-year warranties available.

More Information may be found on

Shingle Roof Over

Tuesday, August 12th, 2014

In today’s economy I am getting more and more questions regarding adding a layer of asphalt shingles over the existing.  The biggest issue I have found with shingle roof overs is the inability to determine the condition of the decking.  In a roof over if we nail into decking that feels solid but is actually damaged, the new nails will back out with ease over time.  The current shingles can not be curling or have a wavy surface.  It is also important that there are not an excessive amount of nails backing out of the existing roof.  The nails will continue to back out and push against the new shingles causing a lifting pattern that can create holes, or lift the shingle up.  The lifted shingle can allow blowing rains under the shingle, or wind to bend the shingle back until it breaks.  Weight is a factor as well.  Some roofs may develop a sagging appearance over time.  Most codes will not allow for three layers due to the risk of collapse.  Some shingle manufacturers will not warranty any roof overs.

The positive aspect of a roof over is the amount of time that can be saved in labor.  Hours can be saved by not having to tear off the existing roof.  The existing shingle lines can be followed and new chalk lines do not have to be created saving more time.  Another cost that is spared is the disposal of the shingles and felt.

While a roof over is a great fix for a home owner that is attempting to buy some time, or simply can not afford a complete job, it is risky.  There are so many variables that may cause premature deterioration it may cost more money in the long run.  The cost of tearing off the multiple layers, and usually the decking will need to be replaced due to the damage from the weight.  Any water that may have been trapped between the layers causing mold and mildew may cause greater harm.  Over time a tear off, along with a 50 year warranty from the manufacturer for labor and materials,  will be the cheaper choice.





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Friday, September 27th, 2013

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