tag:blogger.com,1999:blog-50193964069128366512024-03-07T02:50:18.969-06:00THE ROOF FORUMSOUND DALLAS ROOFING ADVICE brought to you by JON WRIGHTThe Roof Forumhttp://www.blogger.com/profile/11726271992138210215noreply@blogger.comBlogger246125tag:blogger.com,1999:blog-5019396406912836651.post-17318124450928146522017-06-29T14:24:00.002-05:002017-06-29T14:24:59.047-05:00The Lack of Imdemnification By Insurance Companies <div style="margin-bottom: 0in;">
Ever since that first car wreck, when you were a teenage and had to get your dad to intervene, you have know that insurance companies short sheet your bed of claims. Their first offer is for fools and the desperate who do not repair their loses and go on an emergency medical vacation in Hawaii. Later these individuals learn to perform a decent imitation of the Blues.<br />
Well there are other types of people that don't want to sing the Blues, as in when Steve Martin, in "The Jerk," said to his mother that he didn't want to sing the blues because they made him sad, That is you because you want the insurance to "indemnify you for your loses as you believe the policy you bought and paid for is supposed to do....and doesn't.<br />
When the insurance companies go before the "Board of Insurance Peers," I mean the Insurance Board, one filled at the top level by insurance executives put their by the governor, they make their case for charging a certain rate. That rate is based on historical losses, recent loses and other mumbo jumbo that I do not understand. But I do know part of the cost is the Overhead and Profit" part of insurance claims. That is the 10% plus 10% O&P portion that the insurance companies claim they must pay out. This is 1/6th of their pleading for adjusting insurance policy cost. <br />
This is 1/6th of what insurance is supposed to pay for you to repair your home that they routinely leave out. The make up terms like "complexity" and three large "areas of work." These terms are no where to be found in their petition to the state but they magically appear when their checkbook comes out.<br />
We also communicate with the insurance companies using a fixed price system called "Xactimate." Xactimate sets the prices and we negotiate the scope and quantities of work. But the insurance companies are always claiming something new that they don't pay for. Charges for steep installation, better felt on steep roofs to save roofer's lives, all kinds of stuff but the big one is O&P.<br />
This Xactimate program specifically states:<br />
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<br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">General Overhead</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">are expenses incurred by a General
Contractor, that</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">cannot be attributed to individual
projects, and include any and all</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">expenses necessary for the General
Contractor to operate their business.</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Examples (including but not limited
to):</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">General and Administrative</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">(G&A) expenses, office rent,
utilities, office supplies, salaries for office</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">personnel, depreciation on office
equipment, licenses, and advertising.</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Including General Overhead expenses
in an Xactimate estimate</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">–General</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Overhead expenses are not included
in Xactware’s unit pricing, but are</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">typically added to the estimate as a
percentage of the total bid along</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">with the appropriate profit margin.
These two costs together constitute</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">what is normally referred to in the
insurance restoration industry as</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">General Contractor’s O&P, or
just O&P. General Overhead and Profit</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">percentages can be added in the
Estimate Parameters window within</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">an Xactimate estimate. This link
will take you to where I got this.</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">•</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Job-Related Overhead</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">are expenses that can be attributed
to a project,</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">but cannot be attributed to a
specific task and include any and all</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">necessary expenses to complete the
project other than direct materials</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">and labor.</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Examples (including but not limited
to):</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Project managers,</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">onsite portable offices and restroom
facilities, temporary power and</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">fencing, security if needed, etc.</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Including Job-Related Overhead
expenses in an Xactimate estimate</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">–Job</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Related Overhead expenses should be
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">the Xactimate estimate. This is done
within the Line Item Entry window</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">of an Xactimate estimate by
selecting the proper price list items, or</span><span style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">creating your own miscellaneous
items.</span></div>
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<br /></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Pretty clear huh? But the insurance company forces us to use this pricing program and then says "but we don't use that part. Xactimate is a tool used to communicate pricing but the insurance companies remove words from it like "yes" and many adjectives and adverbs. The take out the stuff that makes the language complete, but only after the state has bessed them with the right to charge yo for O&P.</span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">My father called it passing it onto the consumer with reduced profits, a nother way of saying less quality.</span></div>
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<span style="font-family: "Arial",sans-serif; font-size: 12.5pt; mso-fareast-font-family: "Times New Roman";">Also the insurance commissioner ruled twice that O%P is part of every claim. Here are those rulings.:</span></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Also the State Board of Insurance referred me to this lawsuit as a proof.</span></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><a href="http://law.justia.com/cases/federal/district-courts/FSupp2/159/928/2384313/">http://law.justia.com/cases/federal/district-courts/FSupp2/159/928/2384313/</a></span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">My project manager reponded to an adjuster ,who told him they did not pay O%P, that what he said made no sense. The adjuster said why and Scott said that was like selling a new car that had no transmission. </span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The only otions you have when dealing with an insurance company is:</span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1)Take it on the chin</span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2)Hire a Public Adjuster</span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">3) File a Lawsuit</span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">4) Appraisal.</span></div>
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<br /></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Over the years some things change. Right now I believe the best way is appraisal. I will discuss these options at a later date. </span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Same Bat time</span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Same Bat Channel.</span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Good Bye Adam West. </span></div>
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<br /><br />
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Industries</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightindustries.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
<iframe allowtransparency="true" frameborder="0" scrolling="no" src="http://www.facebook.com/plugins/likebox.php?href=http%3A%2F%2Fwww.facebook.com%2Fpages%2FJon-Wright-Roofing%2F287525237679&width=292&colorscheme=light&show_faces=false&stream=false&header=false&height=62" style="border: none; height: 62px; overflow: hidden; width: 292px;"></iframe>
<a href="http://www.twitter.com/jwrightroofing" target="_blank"><img alt="Follow jwrightroofing on Twitter" src="http://twitter-badges.s3.amazonaws.com/follow_us-b.png" /></a><div class="blogger-post-footer">http://www.jonwrightroofing.com</div>The Roof Forumhttp://www.blogger.com/profile/11726271992138210215noreply@blogger.com1tag:blogger.com,1999:blog-5019396406912836651.post-34877689446795119802016-10-28T12:37:00.002-05:002016-10-28T12:37:36.598-05:00Building Officials Association of Texas BOAT<div style="margin-bottom: 0in;">
<br />
Our BOAT has floated. BOAT is a Preferred Provider approved by the International Code Council. We should have joined years ago. This group of professionals has several conferences a year for program of quality education and training for the Building Professionals
including Builders, Building Officials, Contractors, Municipal
Inspectors, Real Estate Inspectors,Architects, Engineers, Plumbers, Fire
Protection Personnel, Code Enforcement, Permit Technicians,
Electricians,and Environmental Health and Safety Personnel, as well as its own annual convention.<br />
The conferences are run by <a href="http://civileng.uta.edu/bpisite/" target="_blank">The Building Professional Institute (BPI)</a> This teaching group is a combination of Building Officials Association of Texas (BOAT) and the Construction Research Center (CRC).<br />
We, as home and building renovators, need to keep up with all building codes, which are the minimum, well thought out practices for home repair, additions and rejuvenation. They are the law of the land and city building inspectors are law enforcement officers. They can fine you, condemn your property and throw you in jail. One roofer threatened one and Federal Marshals were at his home the next day. Glad it wasn't the FIB.<br />
Obviously insurance carriers don't know this because they say they won't pay for something unless the city writes a letter saying it is an enforced code. you think the city might? Hell no! These are laws. I have to point out that a particular code insurance companies want us to ignore could cause the death of firemen. Plus I could be sued for not following code or manufacturer's minimum specifications.<br />
Finally, I'd like to thank Lawrence Crowe of the Irving Building Inspections for encouraging us to join. <br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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My sabbatical, a very long Saturday for my Jewish friends, has terminated and we are about to start deluging you with stories, procedures, certifications, new products and old plus other bs.<br />
<br />
This last year was a wet one for the record books. And before it was over the last few months were really wet. Thus began the masonry leaks and devastation..<br />
<br />
In the past we saw full brick chimneys with plywood/mortar caps, erode and spall. So much water was suspended by continual drizzle, rain, cool weather, lack of sun, that nothing would dry out. Once these chimneys were saturated it became one drop in and one drop out...one gallon in and one gallon out. I mean everywhere. No amount of roof work, counterflashing work or chimney cap work would help. Time for the masonry coating.<br />
<br />
Those poorly build and cheap zero clearance chimneys that were made out of cardboard rotted away. Those cheap ones with one ply of brick over a framing and felt or blackboard, really started to leak. But the worst is yet to come:chimneygeddon. All across North Texas feom Las Colinas to Rowlett, in Carrollton and every area built up since the cities looked the other way on rules concerning masonry supported by masonry all the way to the foundation or at least set on steal posts and beams, the chimneys are starting to list and crack. Wood framing under heavy masonry has always been against code but it was overlooked. Even just outs set on wood framing. !0...9..8..7..6..5.. run away. People will die.<br />
<br />
We had one chimney leak and and its insides revealed no bones. One ply brick with no framing or waterproofing sitting on wood. Weight with rubber legs. We tore it down, built a frame and put artificial brick by <a href="http://www.exteriabp.com/product/stacked-stone/" target="_blank">Exteria</a>. This use to be called Nailite. I love it. The color looked so much like the brick on the home no one can tell. Strong, lightweight and elegant, if brick can be elegant.<br />
<br />
Anyway, have your chimney looked at before it kills you.<br />
<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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Windows today have argon gas filled in between the 2 or 3 layers of glass of the sealed insulated glass unit. The question arises quite often; how long will the argon stay in the windows? The short answer is there are to many variables to be specific, but an average of 20 years is a realistic answer. The argon actually leaks out of the glass, not through the seal, unless there is actually seal failure in the window. Glass has pores just like your skin. You can't see them usually, but they are there, and they expand and contract like most other things on Earth. The argon escapes in very small increments over time through the pores in the glass. The purpose of argon is to insulate. Argon is heavier than oxygen and acts as another barrier for radiant heat. So you could say that your windows will lose a small portion of the insulating value with which they started every year. Don't get too worried though. The argon is not nearly as effective as the Low E coatings which actually reflect the heat off the glass. If you live in the South, argon helps, but you would probably never notice a difference. It would also probably not affect your energy bill either. The winter is when argon would help the most because it insulates as opposed to reflecting heat. In extreme northern climates argon would be most effective because the weather stays cold much longer. Bottom line - don't sweat losing your argon gas from your windows. Concentrate on getting a better Low E coating on your glass, especailly in the South.<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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We roofers travel a lot. We have trips sponsored by wholesalers, as ABC-Bradco just sent my girlfriend and I to Costa Rica for a week, manufacturers, as in the GAF Master Elite conference last year in Salt Lake City, and the NRCA and Texas Roofing Contractors Assoc. annual conventions. Then there are training seminars and out of town offices. I mean we spend thousands and thousands are spent on us. So a good travel agent or discount program is very important. I've used Susan McCarley at MK Tavel and had great results. For quick trips we've used hotels.com with great success but one company put the screws to us and I'm going to tell the story.<br />
<br />
I had to rush to Houston so I asked one of my secretaries to book me a room in Kemak Boardwalk area and she went to Hotwire.com. She picked a room she thought was just a short distance from there not knowing how bad traffic can be in Houston. She even got the insurance. What a waste. It covers almost nothing.When she told me where she had booked the room I had her cancel within ten minutes or less from the time she set the reservation. When Hot Wire refused to refund the money I had to beg to talk to a supervisor. Finally I got to a gal who said she would check it out and get back with me. Never got another response and never got my money back. I had told her that I would let everyone know what had happened. She didn't care. Thus the measly $309.06 I lost to Hotwire.com will cost them tens of thousands of dollars from me and if GAF, Certainteed, Owens Corning, Mastic and Plygym, Angie's List, ABC-Bradco Supply, Southern Shingles, The Roofing Supply Group, Gulf Eagle Supply, Lansing Building Products, Shelter Distribution, Norandex, Southwest Roofing Supply ( a division of Huttig), Versico/Carlisle, Bitec and many others who listen what I have to say here. They probably will avoid Hotwire.com too. Also a lot of roofing companies read this blog as well as people with roofing questions. Readership is in the thousands every month and many of those are executives.<br />
<br />
Plain and simple: no service was offered, a button was mistakenly pushed and the mistake was corrected immediately. These people are crooks and do not respond as they said they would. But what do you expect from thieves? The truth?<br />
<br />
All of these organizations spend anywhere from $100,000.00 to a couple of million a year on travel as well as have tens of thousands employees among them who will here of this. We could be talking about possibly hundreds of thousands of travel dollars over the next few years. I always say "to vote at the cash register." If you don't spread the word your friends might get victimized too.<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>For no reason, for the first time, your roof leaked when it was covered with ice. You may think this is a normal occurrence just because of all the ice. But did you notice the leak occurred while it was still freezing? The roofing materials may be properly installed but lack of application of <a href="http://www.merriam-webster.com/dictionary/aerothermodynamics" target="_blank">aerothermodynamics </a> to the entire roof system, which encompassing the living and breathing aspect of the roof and attic, has allowed your attic to heat up and melt the ice, which refreezes on the overhang, resulting in ice dams.</b></span><br />
<span style="font-size: medium;"><b><br /></b></span>
<span style="font-size: medium;"><b>At a very technical training and certification program for roof mounted photovoltaic systems a fellow trainee stated that roofing was not rocket science. I begged to differ with him and then proceeded to go on an hour long, the short version, of <a href="http://www.engineersedge.com/fluid_flow/application_bernoulli_eq_venturi.htm" target="_blank">Bernoulli </a>as applied to the Venturi Effect. Not withstanding, the equations are not what is important to understand. Just accept the principle that air can be moved and if it is not, and it is near a heat source, it will become heated. Heat always goes where heat isn't and as no attic is perfect in containing climatized air, attic air become accelerated on a molecular level by the absorption of joules, BTU's or calories, depending on your field. These units then move into the roof and deck where the ice is melted. The resulting water then refreezes once past the warm wall and then enters your home, usually near the outside wall.</b></span><br />
<span style="font-size: medium;"><b><br /></b></span>
<span style="font-size: medium;"><b>If a proper venturi had been established in your attic so that cold outside air could displace the warmed air, the freeze/thaw would not have happened. This vertical movement will not work if the exhaust vents are misplaced so as to short circuit this train of heat removal. In fact, lower exhaust vents actually become intake vents and will suck in snow and ice causing further damage.</b></span><br />
<br />
<span style="font-size: medium;"><b>The common misunderstanding amount the few educated roofing contractors is that the International Building Code, the governing body of law (code is law), requires the 300 Rule of Ventilation for roofs. The roof is required to add this so a roof is more than nailed on shingles. It is a comprehensive system.. Truth be told, if their is no vapor barrier between the sheetrock and the ceiling joists, the 150 Rule of Ventilation is the standard. I won't bore you with all the details as I've written extensively about this before.</b></span><br />
<br />
<span style="font-size: medium;"><b>The most important part is the roof leak caused by melting ice on a freezing day is just one symptom of an overall sick roof and home. Even the roofing manufacturers require the 300 Rule unless there is no straight bottom to top air/humidity exchange mechanism occurring. Then the 150 Rule kicks in.</b></span><br />
<br />
<span style="font-size: medium;"><b>If you actually believe that ice dam leak yesterday was bad, just wait until your roof and deck fails, which will cost you tens of thousands of dollars all at once. In the meantime increased utility usage, failed exterior paint, compressed insulation and childhood respiratory diseases and air condition system repairs and replacement will work their magic on your budget until the big one falls. Sure it might hail but your roof might fail in the next five years and that is when you get transferred or decide to move to a better school district. The home inspector will surprise you and the roof manufacturer will say that he told you so. </b></span><br />
<br />
<span style="font-size: medium;"><b>You don't need to know all this. You just need to know that your leak is the result of a poorly designed balanced ventilation system. Or no design at all. Add a turbine, shut down your ventilation. Put on siding and don't remove the screened soffit vents, spray paint them shut, blow in insulation like a banshee on steroids with her eyes closed, or whatever poison you pick.</b></span><br />
<span style="font-size: medium;"><b><br /></b></span>
<span style="font-size: medium;"><b>Your roof leak is only a symptom of much worse things to pass.</b></span><br />
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<h3>
</h3>
<span style="font-size: medium;"><b> </b></span><br />
<br />
<br />
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>I don't know what I'm talking about and I'm not sure what is going to happen but Monday is a new day in the roofing industry. Now, when it hails, instead of just having roofing salesmen running around trying to solicit your business you'll have public adjusters and attorneys also ring your bell.</b></span><br />
<br />
<span style="font-size: medium;"><b>Here's what happened; Licensing of roofers by the state failed because it would have raised prices but House Bill 1183 passed and it is going to slow things down real bad if you want a good roof. As reported by moi before in this little journal, most roofers accept the first low bid by the insurance and cut, cut, cut. They don't know what a building code is, much less what they state. Remember, code is law. All this guy does is run as fast as he can door to door selling cheap. And roofs protect everything you own, unless you own a yacht or airplane. But often these things have roofs, hangers, too, to put your shirt you lost on.</b></span><br />
<br />
<span style="font-size: medium;"><b>So the roof gets done wrong, ventilation is not done to code, the roof fails in eleven years and when you sell your home the roof fails inspection and you have to spend 20x's your deductible or more to replace it. But when you move your kid's respiratory illnesses suddenly go away. you haven't been reading have you.</b></span><br />
<br />
<span style="font-size: medium;"><b>Back to the chaos going on in the street. A riot is on but there are only a few hundred public adjusters in Texas. All of them are in front of your home but they'll have a years work by lunch time. And your roofer can't talk to the insurance and you want a good job, not the Earl Scheib roof, because you have a good one that passes building codes. you also have code upgrade on your policy, which cost you 10% more, but the insurance won't pay for those upgrades because you don't have them now. What's a girl to do?</b></span><br />
<span style="font-size: medium;"><b><br /></b></span>
<span style="font-size: medium;"><b>I think this might be the plan but I make no pretense to being an attorney: </b></span><br />
<span style="font-size: medium;"><b>1) You call the insurance.</b></span><br />
<span style="font-size: medium;"><b>2) The adjuster shows up and either let's your roofer discuss the claim or not.</b></span><br />
<span style="font-size: medium;"><b>3) If not then you need to find a public adjuster and reschedule.</b></span><br />
<span style="font-size: medium;"><b>4) The public adjuster meets the insurance or just provides an estimate and can claim up to 10% of the money if it has taken something like 48 hours to get the adjustment after the initial insurance adjustment.</b></span><br />
<span style="font-size: medium;"><b>5) The insurance company rejects the public adjuster's numbers and it goes to an attorney.</b></span><br />
<span style="font-size: medium;"><b>6) The attorney files suit with interest plus attorney's fees...from the start date (I'm not an attorney but I talked to two today).</b></span><br />
<span style="font-size: medium;"><b>7) The roofer might do the roof for the original money and wait for the suit to settle it or the roof waits for the court case to finalize.</b></span><br />
<span style="font-size: medium;"><b><br /></b></span>
<span style="font-size: medium;"><b>Again, who knows what Monday will bring but I believe either the insurance companies are hoping most homeowners will cave and go cheap and quick like a whore in the alley with a John and a few will fight it out.</b></span><br />
<span style="font-size: medium;"><b><br /></b></span>
<span style="font-size: medium;"><b>most of us have been upset and swore never to settle but the wife nags, the roof leaks, tensions rise and you take the money and run. The the roof leaks and you need another attorney or you go to sell your home and you need one then too.</b></span><br />
<br />
<span style="font-size: medium;"><b> This is going to get real hairy. You won't find a public adjuster and the insurance will thumb it' nose at you.</b></span><br />
<br />
<span style="font-size: medium;"><b>Have you heard of triple indemnity, where someone has to pay triple damages for trying to rip you off and violation the Texas Deceptive Trades Act? The attorneys are knocking on our door already and we're going to have you hire them. Because you ask? Because quality cost and cheap cost more, but later. And few insurance companies are not going to try and exploit this and that means you.</b></span><br />
<span style="font-size: medium;"><b>I'm too upset to read this and correct the grammar or remove the profanity...and I'm going to push send, like I do when I send regrettable emails.</b></span><br />
<br />
<span style="font-size: medium;"><b>In the end, I believe, just like the price fixing programs the insurance carriers used to keep prices down, which we took from them and used to get prices up, the same thing will happen but ten fold. The difference is the public adjusters and attorneys have their fingers in the pie....because they've been invited. </b></span><br />
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<br />
<br />
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<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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So many restaurants and so little time. The same can be said for all the energy efficient products available for your home and choosing them in order of benefit and accounting for budget is very important.<br />
<br />
Several months back I told the story of a home we redecked with radiant barrier deck, added insulation, ventilation and repaired his torn a/c ducts. During the product selection process I noticed the customer had nice windows installed. When I commented on them he went into a cursing rage about the lying contractor and worthless windows he had paid for. I knew his energy loss was a serious problem. His a/c ran all day and in the winter his heat ran all the time. When the deficiencies were corrected, on the first night it went down to 35 degrees. He called to tell me his heater cycled only one time that night rather than run continuously. I informed him that his windows were now working. His correct order of repair would have been to fix his duct work rather that climatize his attic, then ventilate because Texas gets so hot, insulate to contain his energy, radiant barrier decking to keep the radiant heat out that penetrated his insulation and then the windows.<br />
<br />
When you have a 165 degree oven on top your home you either lower the attic temperature or you start cooking in the attic. This particular home had three amplifying issues to a hotter home. First it was a lower slope keeping the roof close to the ceiling and allowing the radiant heat to stay radiant, rather than converting to convected heat over distance. Secondly it was a hip design so more roof was close to the ceiling than on a gable design where on the gable ends the roof is far from the ceiling. Lastly the deck was one inch plank and there was heavy framing lumber. This added more material to absorb the daily heat and then radiate heat longer into the night.<br />
<br />
There are other products not covered here like roofs with a high Solar Reflective Index, a measure of how much light bounces off the roof and is not absorbed and how fast the roof material throws off the heat it has absorbed, will be discussed in the next blog and how they different systems effect each other. <br />
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<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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<br />
<br />
Most homeowners have "code upgrade" in their policy. You can find out by looking in the "Building and Personal Property Coverage Form" or something like that. I am not an insurance adjuster but I've seen as many or more claims as anyone over the decades. This is the rub: building codes change and homes don't magically upgrade.<br />
<br />
Now a disaster hits and your home is several years old. The codes have changed, you have to rebuild, but you have to rebuild better. Period. Code is law. If you have code upgrade then you should be okay, right? No, if you have State Farm. They want to know if the codes are enforced and they know most cities will answer that. It's like asking which laws I can break. no, it is exactly like that.<br />
<br />
We've had several customers where we discovered the codes were not met, verified they had code upgrade and State Farm either said that if what I said was true they'd pay it or go ahead and we'll let you know. To finish the job we had to replace the decking on the homes. State Farm has copies of the code, has verified that it is code but won't pay because they say it might not be enforced. If we hadn't replaced the decking the homeowner might have have had the entire roof and deck red tagged. Or years later when the home was being sold the inspector might have failed it causing a whole roof and deck system to be replace. The minimum would have been the roof started to leak and State Farm would not have paid for the damage because it was defective workmanship and not a sudden catastrophic loss. Great for State Farm because they could collect premiums on a roof they wouldn't pay for.<br />
<br />
I've head that since a huge hailstorm hit Amarillo, which has some stricter building codes, especially for a roof, that State Farm Insurance is sending a liaison to reason with the building department. Good luck with those good ole boys. They may talk slow but they ain't stupid.<br />
<br />
To place the word "enforced" of the word "code" is an attempt at deception. Here's some awesome reasoning from a wise modern philosopher in <a href="http://www.anti-socialengineering.com/2011/01/semantic-deception-of-dialectical.html" target="_blank"><b>"The Semantic Deception of Dialectical Theses"</b></a><br />
<br />
<div align="JUSTIFY" style="margin-bottom: 0cm;">
<span style="font-style: normal;"><span style="font-weight: normal;">"Before
we begin examining specific damages, let us develop an appreciation for
what is being sought out, as defined by the title of this article. What
is, “the semantic deception of dialectical theses?” Everyone knows that
a “deception” is a “lie,” so this is as good place a place as any to
start our discussions. It isn't always the case that there is a “liar”
telling us a “lie” when we are being deceived. A lie is a falsehood, but
it is stated. An omission of information could be just as damaging and
is still a deception, although not a lie. However, to deceive, to
“create a deception” does involve work. Somebody or some thing has to
“do something” to deliberately cause you to be deceived. So, stated or
not, any deceptiveness we are about to discuss, by the rules of
existence and definition, must be intentional. We will be well served by
remembering this. You cannot be deceived by erroneous information that
occurred “by accident,” this is simply you deceiving yourself </span></span><i><span style="font-weight: normal;">with </span></i><span style="font-style: normal;"><span style="font-weight: normal;">erroneous information. For it to be deception, there must someone doing the deceiving.......</span></span></div>
<div align="JUSTIFY" style="margin-bottom: 0cm;">
<span style="font-style: normal;"><span style="font-weight: normal;"> </span></span></div>
<div align="JUSTIFY" style="margin-bottom: 0cm;">
<span style="font-style: normal;"><span style="font-weight: normal;">..... </span></span><span style="font-style: normal;"><span style="font-weight: normal;">The
goal in our understanding of the semantic deception is twofold: First,
we must know that abstract considerations are matters of opinion and
that definitions, when reduced properly, should not end up
contradictory. Now, let's remember that “a deception” requires a
“deceiver.” So if we have a semantic deception, we have a message that
is intentionally false, wrong and dangerous, in it's meaning." </span></span></div>
<div align="JUSTIFY" style="margin-bottom: 0cm;">
<span style="font-style: normal;"><span style="font-weight: normal;"> </span></span></div>
<div align="JUSTIFY" style="margin-bottom: 0cm;">
<span style="font-style: normal;"><span style="font-weight: normal;">In other words, I think they are not paying their bills and living up to their contract. </span></span> </div>
<div align="JUSTIFY" style="margin-bottom: 0cm;">
<br />
</div>
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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When you buy a home or have an insurance claim there are inspections that are designed to protect all the investors: the buyer, the insured and the mortgage company. Even the city tries to protect the occupants and the neighbors by making sure whatever is repaired is brought up to current codes.<br />
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If you leave your old gas lamp alone, and the codes have changed, you are grandfathered in and have to do nothing. If your neighbor's kid drives over your gas lamp and the codes have changed, you better not fix it or the municipal Brown Shirts will come and rough you up, or worse, shut you down, fine you and humiliate you in front of a block party. <br />
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If you have code upgrade on your insurance policy and your decking does not meet the IRC for your town, then they'll pay to replace it when hail damages your roof. Ha ha ha...what a laugh if you have State Farm. They're pretty good most of the time but when they decide to ignore the rules they rank up there with the best, or worse if you prefer.<br />
<br />
Let's consider the home sale transaction: you get a Realtor and she finds you your dream home, or at least a great deal. Most can't afford their dream home because they buy a number 6 at McDonald's and don't take a sack lunch. There's also Starbucks, Goody Goody and the lottery. But the Realtor is a professional and knows where to look, who to call and even shows up a night and on weekends. That's why they have nice homes.<br />
<br />
The Realtor pulls out the book of vendors acquired over the years and calls a home inspector, a roofer, plumber and anyone else the home inspector has put into motion by questioning the workmanship, age and code compliance of a particular home widget.<br />
Now the inspector writes "check with a professional licensed roofer...there might be damage." his butt is covered now and he can't be sued (successfully because someone will take the case). If he doesn't write that and something on the roof is bad then he can be liable up to triple indemnity. So he pulls out the caveat card and washes his hands like Pilot.<br />
<br />
There is no such thing as a roofer's license for Texas. Municipal licenses for roofers are a one line test: signature on a check that clears. Now you are ordained. Praise the lord. But everyone knows Jesus was not a roofer. He was the son of a Jewish carpenter and fisher of men. So get those symbols off you card right now before I call the Anti Defamation League. Those superheroes can take anyone down.<br />
<br />
And no one even knows the new IRC code for ventilation: the 150 Rule if you don't have a vapor barrier between the sheetrock and the ceiling joists. you have to move the insulation out of the way to see that you don't have the mythical vapor barrier. So no homes should ever pass. Not here in Texas, except some of ours. Try to get State Farm to pay for that. Don't even ask Allstate.<br />
<br />
If your roof is replaced the mortgage company will want to know that it has been done. The larger the claim the more layers of paperwork they will require also. WW9's, release of liens, signed contracts, the money in their account making interest while they release it in partial payments until you jump through burning hoops and do the Watusi backwards on one foot.<br />
<br />
Then comes their inspector. He might even get out of his car. Didn't bring a ladder. Does not smile. Usually it is a wave and a kiss.<br />
<br />
Then the city, who extorted one or two percent, on top of the one line test registration (an annual shake down) just because they can. And if you try to get around it they will double fee you. This guy is a law enforcement officer. He has a badge, can fine you, make you rebuild your home, get rid of your pets and have you incarcerated.<br />
<br />
Does he see if your felt is over the drip edge on eaves and under on rakes? does he check to see if a venturi has been created in the attic based on the 150 or 300 Rules as the codes they enforce state must be done? How about a wide chimney without a cricket? A low slope roof having two ply felt? (These roofs are only done on weekends anyway.) Four nails, six on a 12/12? Gas flue pipes not cut off and not possessing a double wall kit with a type B cap, collar and base? Soffit vents unobstructed? Even a hole on the other side of the soffit vent?<br />
<br />
Not one. Nothing. Some cities do have an attic inspection to make the roofer doesn't kill anyone else by leaving another gas flue disjambled (a very technical construction term not in wide use today) beneath the roof line.<br />
<br />
Nope. none of the above by anybody. Did your roofing contractor even check out the roof?<br />
<br />
This is a cold and lonely world and you better check for yourself.<br />
<br />
Mr. K. is at fault for this rant because he couldn't believe none of the inspectors cared or tried to earn their money. And he bought a better roof for protection.<br />
<br />
<br />
<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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Over the years the building codes related to roofing have changed and so has the structural requirements for the deck and structure. Yet there is more to it than change. There is procedure.<br />
<br />
Worldwide different processes are used. Many countries use central planning, allowing local jurisdictions to modify codes as they see fit due to different conditions like population density, heat , humidity, rainfall and flooding, hurricanes, earthquakes or soil conditions. The United States allows local jurisdictions to accept the model code of choice with addenda as each sees fit. In the past there was a conglomeration of the Universal Building Code, The Southern Building code, the International Standard Building Code, Building Officials Code Administrators International and, a long time ago The Law of Moses that required a parapet to keep blood-guilt off the owners head because some drunk roofer fell off and got killed. Today the laws we bow to here is the International Code Council (ICC), which sprang from the big three Legacy Codes. I think OSHA came about from Moses crossing the Red Sea. Not to help the Hebrews ( Macho Jewish Beer) but the drowned Egyptian 5th Army. Later they made it past the Red Sea and into Sinai but again were caught circa 1974.<br />
<br />
The ICC is divided into the International Residential Code, International Fire Code, The International Plumbing Code, International Mechanical Code, International Fuel Gas Code, International Energy Conservation Code and ICC Performance Code.<br />
<br />
Now, let's make no bones about it: when a code is adopted by a local jurisdiction, it is LAW! Code Enforcement Officials are law enforcement officers with the power to arrest and fine people and condemn properties or part of properties. A Red Card is not to be messed with. There is also a special clause at the end of the code we refer to as "The Gawd Clause." This is where the building inspector can make up any code on the spot as he sees fit.<br />
<br />
If your home does not pass code during a sale, the inspector might call it out. You don't have to fix it if it were built that way under a different set of codes but if you change something like a roof, a gas lamp, a sprinkler system or a window, and the codes have changed, then you have to meet new codes. Items not changed and not sold are grandfathered in under the old code but grandpa gets up, then he needs to change his shoes to steel toed boots. If you don't follow the code there is no appeal. It is summary execution. Building officials, OSHA, EPA and other regulatory administrations have carte blanche to keep blood guilt from destroying your salvation.<br />
<br />
There is no jury. There is no appeal. There is only pain and grief. So whenever you do some remodeling you need to know the codes or hire someone who does. If you have an insurance claim you need to update the repairs to meet current code (law). If you have code upgrade in your insurance policy, you need to get it right the first time because the insurance won't pay to redo it. And if they won't pay the first time, it is time to rain holy hell upon them for asking to to be a criminal as State Farm has asked me to do by proving that current building codes are "enforced."<br />
<br />
Don't get me wrong here because 95% of the time they are outstanding but they must not know who I am if they ask me to break the law. No saint am I but my ethics are intact and I'm incensed. My moral are okay too but that is a matter of judgement. Ethics can be know through pure logic and are not up to debate when scrutinized by enlightened men. Morals change with time, as do building codes. But a nation of laws must stand by it's laws unless they are tested to be incorrect by a jury of peers. That is another discussion that has been lifted from the courtroom and legal precedent by modern courts: the instruction of the judge to deem a law just or not.<br />
<br />
No empowered governmental power, like building departments, concern themselves with right or wrong. It is the letter of the law you must follow, despite what State Farm thinks.<br />
<br />
<br />
<br />
<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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If builders weren't so criminal, a couple of hundred dollars per home could have kept the homes mostly intact in the near misses yesterday. Just because a tornado smashes a home doesn't mean the next door neighbor needs to be leveled or mangled.<br />
<br />
Home fortification is a cheap and easy thing to do. And your home won't blow away to Kansas Dorothy, er, Toto.<br />
<br />
if Simpson Strong Ties are installed on the roof rafter to the wall, then it'll take twice as much wind to knock your top off. If they are placed on the outside wall to floor and again on the floor to the foundation, the home is much less likely to move.<br />
<br />
Hand nailing the shingles, rather than blowing through them with 950+ mph nails, helps a lot. Using ribbed nails for the decking also helps prevent deck loss.<br />
<br />
The plywood seams can be taped with a bituminous membrane so that if the roof blows off the water will be kept out until repairs can be made.<br />
<br />
Doors opening outward also keep them from being blown inward, increasing the pressure inside the home. This difficult for those trying to bust open your door, and sometimes it is the good guys.<br />
<br />
These simple little strong ties can make a tremendous difference in your family's survival and the protection of your property.<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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Wait until you read this one. Write it tomorrow.<br />
<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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Yes Virginia, there is roof poop, and it is important to know who it belongs too. And I'm going to prove it.<br />
<br />
If the roof suffers damage without wind, war or earthquake and large tears or holes exist, the roof detective needs to evaluate the forensics. We can tell when trees have been cut down by swooping marks on the roof so isn't it logical to use other evidence to determine why a hole has been made. Fingerprints, claws marks and bite and gnaw marks are often left as hints at who your enemy is. On the other side, of the culprit that is, some droppings of the fecal type might give you clues.<br />
<br />
Once you have enough experience looking at the dung/ roof damage combinations, without ever setting a foot on Texas A & M campus, you are soon able to tell the customer who, or what, damaged his, or her, roof. I've seen raccoon, peacock (read earlier blog of that interesting story), woodpecker (although they usually attack siding as the fowl did to my house before pulling insulation out and throwing it all over the yard before he vanished), squirrel, dog (the idiots let their dog get on the roof, human child (although no poop was left they tore up the roof...clothing held the evidence) possum, and cat. Yes cat. I waited until I saw the guy jump up there and pull wood shingles off. The client told me he saw the cat do it but I was skeptical until I saw it for myself. I love cats like that.<br />
<br />
Knowing who pooped the roof can help in the elimination of the poop problem. This is no joke...No shit.<br />
<br />
So after writing this I googled "roof poop" and found a whole universe of blogs and videos on this dark subject:<br />
https://www.google.com/search?q=roof+poop&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a <br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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<div style="margin-bottom: 0in;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBXZiTFLeEZObn3SLwaHudUc-q_S1dKlYO21eEnQa9NmySJTC5W4G2Mj_wVQd2i1wG8Ppsk6gqD4_M8YQ6f9IYwF9b86P5ETNCBFSm4gh6wo8gI0sykqxqherf0zRHWFCrm6Xg47YchL8/s1600/2013+King+Ranch+F-150+Jon+Wright+Roofing.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBXZiTFLeEZObn3SLwaHudUc-q_S1dKlYO21eEnQa9NmySJTC5W4G2Mj_wVQd2i1wG8Ppsk6gqD4_M8YQ6f9IYwF9b86P5ETNCBFSm4gh6wo8gI0sykqxqherf0zRHWFCrm6Xg47YchL8/s320/2013+King+Ranch+F-150+Jon+Wright+Roofing.JPG" width="320" /></a></div>
<span style="font-size: medium;"><b> We roofers, from installer, through salesmen, <span style="font-size: medium;">to company owners, buy a lot of trucks. We live in our trucks. <span style="font-size: medium;">M</span>ost spend more time with their truck than they do with their <span style="font-size: medium;">significant<span style="font-size: medium;"></span> other. So the decision<span style="font-size: medium;"> of what to buy should be made carefully<span style="font-size: medium;">,</span> right? Nope I tell you. The decision has been made for you. Here's my story about the new space tr<span style="font-size: medium;">uck <span style="font-size: medium;">I </span>bought from Westway <span style="font-size: medium;">F</span>ord in Irving<span style="font-size: medium;">:</span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">As all diligent buyers I did my homework and asked a lot of questions<span style="font-size: medium;">. I familiarized myself with all the <span style="font-size: medium;">available<span style="font-size: medium;"></span> options. Now I'm a Ford man and always have been. Some will quit reading because this is as close to politics and religion as a man can get with other men. </span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">W</span>hen I announced my intent to buy a new truck all my gym buddies started filling me with information and extolling the virtues of their trucks. Everyday <span style="font-size: medium;">for two weeks they'd ask me if I has made a purchase. We dud<span style="font-size: medium;">es are worse than women buying handbags on sale. </span>"</span>For crying out loud. I'm taking my time because this is where my bondoons will nestle for the <span style="font-size: medium;">foreseeable future."</span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">A<span style="font-size: medium;">s</span> my GAF Senior Territory Rep, Kenny <span style="font-size: medium;">Brock</span>, would say "<span style="font-size: medium;">be sure and check out the GAF<span style="font-size: medium;">/Ford plan. I've heard good stuff about it from the Master Elites who've taken advantage of it." He would <span style="font-size: medium;">check-in periodically</span> and ask me to tell him how it went and <span style="font-size: medium;">remind me of the GAF pla<span style="font-size: medium;">n with Ford. He too was a hand bag shopper.</span></span></span></span> </span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">The big day came. I sharpened my sword, put on my armor and went into battle. Forward I <span style="font-size: medium;">marched</span> onto the dealer lot with my internet data,<span style="font-size: medium;"> Edmond's True Pricing Report and my GAF X Plan from GAF<span style="font-size: medium;"> and an <span style="font-size: medium;">experienced</span> assistan<span style="font-size: medium;">t to hand me my weapons.</span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">The salesman greeted me at the door with a practiced <span style="font-size: medium;">smile</span> and led me into the torture chamber. <span style="font-size: medium;">S</span>oon a more experienced<span style="font-size: medium;"> warrior arrived and we began the debate. <span style="font-size: medium;">P</span>ens sparked against pen and fake smiles penetrated the battle. The first salvo was MSRP, a weapon used aga<span style="font-size: medium;">inst the simple minded to think that a <span style="font-size: medium;">few</span> grand off is a good <span style="font-size: medium;">deal</span>.</span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">The Ford <span style="font-size: medium;"><span style="font-size: medium;">soldiers<span style="font-size: medium;"></span> went back and forth and got <span style="font-size: medium;">secret</span> new deals fro<span style="font-size: medium;">m master <span style="font-size: medium;">control</span>. One of them shuttled back and forth <span style="font-size: medium;">bringing "set in stone" pricing. Then we pulled out the <a href="http://www.edmunds.com/ford/f-150/2013/options.html?sub=supercab&style=200433075#step1#facets1" target="_blank">Edmonds</a> rapier. They <span style="font-size: medium;">continued</span> <span style="font-size: medium;">with</span> the same ba<span style="font-size: medium;">ttle plan, ignoring the so called expert in pricing. Edmonds said </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">$38,018, counting the rebates and discounts for a Lariat but not the <span style="font-size: medium;">K</span>ing Ranc<span style="font-size: medium;">h.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">We went outside and I saw a <span style="font-size: medium;">one color pearl King Ranch. <span style="font-size: medium;">It was</span> the color I wanted but was told King Ranch only came in two tone. It was love at first sight and I knew I had to rescu<span style="font-size: medium;">e the damsel. She was prettier than the Lone Ranger's horse. I was consumed like a schoolboy but managed to contain my glee.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">After failing to bring the kidnappers down I pulled out my GAF/Ford X Plan. The opposing warriors slumped and asked why I hadn't just showed them t<span style="font-size: medium;">his earlier. Their hands were tied. They said they had to honor the pricing. I could see their <span style="font-size: medium;">commission</span> checks leave their body like a soul from a fallen warrior. I looked into their eyes and listened to their Klingon death scream. We won.</span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">$50,<span style="font-size: medium;">500.00 MSRP fell to $43,000.00 and the warranty cost dropped by over half to $1300.00 for additional coverage on all the <span style="font-size: medium;">electronics</span>.</span> </span></span></span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">This truck is all business. It is a Texas <span style="font-size: medium;">Hot Rod Lincoln. With the twin turbo it is almost as fast as a 12 cylinder Jaguar I had years ago. The <span style="font-size: medium;">moon roof ( in Texan it is a sun roof<span style="font-size: medium;"> and in Spanish it is a <span style="font-size: medium;">coconut burner or <span style="font-size: medium;">qu</span>ema-coco<span style="font-size: medium;">), <span style="font-size: medium;">electric rear cab window, giant back seat, </span>heated and air-conditioned seats in front and back, GPS, <span style="font-size: medium;">Bluetooth, <span style="font-size: medium;">R</span>ic<span style="font-size: medium;">h King Ranch Texas <span style="font-size: medium;">leather, Sony sound system better than the system in my home, Sirius Radio, navigation, backup camera<span style="font-size: medium;">, side steps for the <span style="font-size: medium;">sides</span> and tailgate<span style="font-size: medium;"> and beautiful wheels with Bridgestone tires make this the best and most beautiful truck I've ever owned.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">After two guys at the gym saw it<span style="font-size: medium;">, I h</span>ad new nickna<span style="font-size: medium;">mes: <span style="font-size: medium;">Jon "white truck<span style="font-size: medium;">"</span> Wright and Jon 'King Ranch pearl truck" Wright. Even those who had the 4x4 diesel <span style="font-size: medium;">F250's said my truck was better even though their MSRP was 10k more.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">Jo</span>hn Arellano, the Master Elite <span style="font-size: medium;">Southwest Region Manager</span>, said "it exuded business." </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">I have found love <span style="font-size: medium;">again</span> in a man'<span style="font-size: medium;">s handbag.</span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">- </span></span></span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span> </span></span></span></span></span></b></span><br />
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<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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100,515 is the number of page views this forum has had in it few years in existence. If I've helped anyone, and a few have said I did, it is worth it. If all the experienced people of all the different professions could just help us all, this would be a much better world.<br />
Now just who was that 100k visitor. The free roof is waiting for you in the front of the store.<br />
Now I'm asking, I believe for the first or second time, for readers to share their roofing, siding, window, ventilation and solar stories with us. Stories tell morals and lessons to follow or not to follow. and if you really have the cajones you can become a follower. I promise to to send you anything but a message...maybe not even that.<br />
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By the way, the name Jon Wright Industries might become more common as insurance companies are trying to deny us general contracting fees when we handle a lot of various trades. It's not that we don't do the work, it is semantics to avoid doing what they should do. We did. We did all the work. We managed a lot of trades, some intersecting. We walked like a duck, smelled like a duck but our name was not duck like. So we weren't a duck? A rose by any other name is still a rose.<br />
<br />
'Tis but thy name that is my enemy;<br />
Thou art thyself, though not a Montague.<br />
What's Montague? it is nor hand, nor foot,<br />
Nor arm, nor face, nor any other part<br />
Belonging to a man. O, be some other name!<br />
What's in a name? that which we call a rose<br />
By any other name would smell as sweet;<br />
So Romeo would, were he not Romeo call'd,<br />
Retain that dear perfection which he owes<br />
Without that title. Romeo, doff thy name,<br />
And for that name which is no part of thee<br />
Take all myself.<br />
<br />
Take that Safeco. <br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, <span style="font-size: small;">Windows</span> and Solar</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span><br />
<span style="font-size: medium;"><b><span style="font-size: small;">jonwright@jonwrightindustries.com </span></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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In the past it was rather easy to find out which of the three grades of laminated roofing was on a home, excluding other types like Class IV or Energy Star. We used a receipt or just looked at them. This was a time when adjusters were not blind. The Rage Virus effects vision terribly. See how their eyes look, going side to side while dripping blood.<br />
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Then came the Haag Gauge. It didn't measure calories in ice cream or compare it to other flavors, but was more of a caliper like we use to measure metal thickness. But the effected ones would cram it into place, knocking off gravel and contorting the asphalt, all the while howling fraud. now mind you, this seems to effect only the newest adjusters as the more experienced ones have been vaccinated.<br />
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Phase three was calling the inept counter clerks at a big box and asking them if 40 year still existed. There is a skew in the computer, therefore they must exist. If an honest inside adjuster was willing to be put on hold for an hour plus she would find out that the temp worker was oblivious and had never lived in the roofing world.<br />
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Level four was to call roofing distributors. With incompetent order takers who had only been there a couple of years (temps too) who had never heard of "The Great Shingle Regrade of 2001," using their ramblings as proof would be akin to using them as doctoral linguists on 'The Defenestration of Prague" when trying to use that bizarre word in a sentence. Well, thee adjusters who did this need to experience defenestration themselves.<br />
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Cinco: Then the lying began. "I measured it. It's a thirty year all day long!"<br />
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Six, pick up sticks:Later came the fake lab report. Intel backs up Farmers continually calling 40 years 30 year. repeatedly. So we changed the rules and found some honest experts. Our bones were not broken by sticks but the words still hurt. Like Robin Williams in "Moscow On the Hudson": "When you speak English, does your mouth hurt?" The unqualified engineer is another faux weapon of the insurers. While every tile roof in one neighborhood (same brand) along with every other roof, this cracked up tile roof sustained no hail damage? Flagrant foul!<br />
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7:We sent shingles to the factory that made them and to Haag engineering. Wallah! We did know what we were talking about. now they forget the skew for the better shingle in the insurance program they forced upon us and trying using the cheaper skew and modifying the material cost. Why? Because by breaking their own rules they save money.<br />
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Using non experts, fake lab reports, misusing the adjusters shingle gauge, sneaking around and failing to meet us on site, and just winning by out waiting the homeowners patience, they insurance companies have saved themselves millions by putting on cheaper roofs than the homeowner deserves.<br />
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Admittedly many roofers lie and some adjusters respond alike. Yet the carpetbagger type of mushroom roofer that pops up after a storm won't argue this point. It takes time. He goes door to door saving deductibles, turning innocent people into felons, all the while making his money on volume. He does crappy work void of new parts and pieces and nail guns on cheap shingles using strangers. He doesn't care because he squeezes the job until a small profit shows up for little time investment.<br />
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<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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This is Martin Luther King's day. He stopped a lot of misery in his day and kept a lot away for us today. Occasionally in the history of man comes a man with right on his side and the patience to act on it. In this company I can count Mahatma Gandhi, Nelson Mandela, and Abraham Lincoln. Today is the day we remember MLK. Few people are known by acronyms but if you have one, you are special: JFK, RFK, FDR, LBJ... no one says RMN for Nixon.<br />
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So I looked up his home and was startled to see a roof that used to be prevalent: asbestos tiles. These diamond shaped tiles laid flat, were nailed at the top and had an upside down brass hook in the face to keep them from blowing off. The asbestos was encapsulated in Portland cement, making it a transite asbestos containing roofing material, ACRM or just ACM. This makes the asbestos fibers tightly packed, which is hard to make friable. If you rough it up, cut it or crush it, the asbestos fibers become airborne. This is when the attorneys and doctors step in.<br />
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Left alone and free of algae the asbestos shingle would last a very long time. <br />
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When the asbestos was mixed with cement and a few other products it could be made into about any shape you wanted. See the ridge in the picture?<br />
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When I was in college I was tearing off one of these roofs after a hailstorm. I filled up a wheel barrow, turned it to go uphill, stepped back into a few of these plates lying on top of one another. boy was I glad there was a tree at the eave that i was crushed against by the runaway wheel barrow.<br />
There is some beautiful workmanship in the clapboard siding ornamental railing and posts but the wood shingle stagger pattern is just great. <br />
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<span style="font-size: medium;"></span></div>
<a href="http://www.customtileroofing.com/images2/Asbestos_Transite_Tiles/BELGIUM%20ETERNIT%20FIELD%20SLATE%20AND%20RIDGE.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img align="right" border="0" height="189" hspace="10" src="http://www.customtileroofing.com/images2/Asbestos_Transite_Tiles/BELGIUM%20ETERNIT%20FIELD%20SLATE%20AND%20RIDGE.jpg" vspace="10" width="242" /></a><a href="http://discoverblackheritage.com/wp-content/uploads/2008/03/martin-luther-king-jr-birth-home.jpg" imageanchor="1"><img border="0" height="295" id="irc_mi" src="http://discoverblackheritage.com/wp-content/uploads/2008/03/martin-luther-king-jr-birth-home.jpg" style="margin-top: 181px;" width="320" /></a><span style="font-size: medium;"><b> </b></span><br />
<span style="font-size: medium;"><b> Mastic Siding makes some vinyl products that look a lot like these and will last a very long time. But none of these products will last as long as MLK's ideas and dreams. </b></span><br />
<span style="font-size: medium;"><b>I was going to see if my neighbors set out their trash and a number of them did<span style="font-size: medium;">, including the black folks across the street. I guessed the city might gather trash today but out of respect I didn't set it out. I admit that I was late in getting on the bandwagon for this great man but once on I am here forever. Without h<span style="font-size: medium;">im I might lose some very good friends<span style="font-size: medium;"> and employees.</span></span></span></b></span><br />
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<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
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Everything and I'm going to prove it. <br />
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To be great in the roofing business a roofer also needs to know about any other part of the structure that the roof integrates with. Those building materials that are beneath, above, beside, and that pass through it effect the roof.<br />
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First, from below there is the decking, the framing, attic and foundation. Think I'm being extreme? What would you think if i counseled my client to go ahead and replace his roof right before he had his foundation repaired? anyone that did, I would say, either knows no better or is criminally immoral. The movement in a foundation is like a see saw, a teeter totter, because and inch under the house can fulcrum several on the roof. The decking either shoves together or separates. The framing comes loose. All havoc has reigned down on the home and it shows up worse on a roof.<br />
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Also the roofer needs to know the load bearing capabilities of the framing before he puts on a roof that is too heavy. More destruction to the framing, even the walls blowing out. Other times roofers need just to brace or level the roof<br />
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The attic, well if you've read three of my posts, you know what improper ventilation can do.<br />
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Once a customer wanted to tear off five layers of composition roofing off his home. I told him he needed to replace the deck, partially because it was riddled with nails, but in this case, to put on a heavier one with a heavier shingle. The house had settled comfortably under the geological layers of roofing and the doors and windows had probably been adjusted. More weighty decking and shingle would lighten the load still but without as much gravitational shock.<br />
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He didn't listen. He went cheap. He paid big time. The doors, windows and garage doors were dysfunctional and had to be rehung. The plaster cracked. The house was happier but the homeowner not.<br />
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Beside the roof are walls sometimes. If there is vinyl siding and the roofer flashes only behind this and not the wood underneath the vinyl or aluminum siding, the roof (wall) will leak. If the wall is decomposed repairs need to be performed for a water tight nexus. The roofer needs to work with either siding, masonry or wood. If the wall has windows above the roof the window might leak, but it will look like a roof leak. Bricks and stones need to be counterflashed sometimes into the mortar or stone itself.<br />
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The penetrations for the gas flues, the plumbing stacks, the chimney, bathroom fart fans and anything else that goes from below to above the roof can required that the roofer can do minor hot water heater and furnace adjustments. Improperly done and the house might burn down or make the occupants suffocate. Sometimes, depending on the new roof system, the sewer pipes need to be extended or moved. Even electrical and freon lines can be effected by careless roofing practices. Power fans and electric skylights can pose issues for the roofer.<br />
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If the siding or cornish work on the house have lead paint on them then the roofer needs to know painting and lead remediation. <br />
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The roofer needs to be aware of framing, structural loads, plumbing, HVAC, painting, electrical, carpentry, masonry, geometry, and, finally roofing. He needs to know how to build a house.<br />
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Now add OSHA, ventilation, and lead, he needs to be an EPA expert and a paramedic of sorts.<br />
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Some of these things he needs to work in association with other tradesmen on but if he doesn't have the basics down he won't know what he needs to do. He may not be able to fix the foundation but he needs to tell you when you need it done and when it needs to be done. Before he gets there. Then everything else might be even more messed up.<br />
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<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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Walls made of masonry, chimneys and window ledges all can effect your home in a way that makes you think it is the roof. Water erosion of non sloping ledges beneath windows, walls not properly counterflashed, and chimneys so spald that a finger could demolish it.<br />
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Roofers lift up counterflashing and it cannot be returned to its original position due to the memory of the metal. You'd have to push the metal counterflashing back past the wall, which you can't, to get it to lay flush.<br />
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Besides you put on copper roofing or slate and the roofer never heard of the Nobility of Metals. so your galvanized counterflashing has started a battery on the roof with the exchange of material on a subatomic level that only young children can see. <br />
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Someone forgets to water the yard or the roots of that long gone Elm tree rot away and the foundation moves. Brick and mortar is not nearly as flexible as members of Congress, so the wall cracks and rain and bugs enter.<br />
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Blame it on the roofer. He could have told you about it but it happened later or he didn't get on the roof.<br />
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As part of any home maintenance program, property owners should walk around their home and survey the exterior. Hard to do when phydeaux had pooped everywhere and your teenage son hasn't done his job. But do look up. Look around. Gutters full? Draining? Shrubs holding up the gutters? The wall cracked? Bricks falling of the top of the chimney? Little pieces of brick all over the roof?<br />
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If you handle it early you can save tens of thousands. If you wait, we'll make some money.<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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As this is my 249th post with nearly 100,000 views, I am happy if I helped anyone anywhere. I've actually made some friends here and, of course, got a few jobs. So with the final post of the year I hope ya'll all have a very Merry Christmas and a prosperous New Year.<br />
Don't forget to pray for the people hurt by the two Sandy disasters. I don't think this Christmas will be as good as most of ours will be.<br />
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<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
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<span style="font-size: medium;"><b>We don't ventilate roofs to remove the heat in the summer. We <span style="font-size: medium;">did in <span style="font-size: medium;">past but not anymore. A lot of <span style="font-size: medium;">old-timers like me remember when Dallas Po<span style="font-size: medium;">wer and Light sent out notices <span style="font-size: medium;">informing people not to cover their turbines in the winter.<span style="font-size: medium;"> Yet people did and still do. Here in the Dallas Fort Worth area of North Texas <span style="font-size: medium;">the temperatures have always soar<span style="font-size: medium;">ed. Global Warming started right here in Irving.</span></span></span></span></span></span></span></span></b></span><br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"> </span></span></span></span></span></span></span></span></b></span><br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">Before the advent of energy efficient windows and housewrap like Tyvek or Raindrop <span style="font-size: medium;">homes were leaky. Energy escaped but so d<span style="font-size: medium;">id the humidity. When you tighten up the house the humidity sta<span style="font-size: medium;">ys too. When you wake up in the morning and are thirsty that pound o<span style="font-size: medium;">r two you lost overnight is on a journey upward and into your attic.</span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">Usually we determine the ventilation requirements by the size of <span style="font-size: medium;">your</span> attic using the 30<span style="font-size: medium;">0, or in<span style="font-size: medium;"> some case the 150, Rule of Balanced Ventilation. If a lot of mammals like in your home then you might need to increase the ventilation, or open a window or two, because they might be breathing, bathing, cooking or who knows what (I do want to keep my <span style="font-size: medium;">PG-13 rating)</span></span></span>. Even washing and drying clothes releases a lot of water vapor into the climate controlled sealed air system you call home. If all those warm blooded beasts wear clothes them they'll need to be washed. I really can't figure out why my 14 year old some never has dirty clothes though.</span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">In the attic there is a confluence of these various sources of moisture and the ambient air from outside<span style="font-size: medium;">. By the way, that premise is based on balanced ventilati<span style="font-size: medium;">on from your builder, roofer<span style="font-size: medium;"> or hole cutting designee<span style="font-size: medium;">.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span><br />
<br />
<span style="font-size: medium;"><b><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;"><span style="font-size: medium;">I ju<span style="font-size: medium;">st want the rug rats to know that their asthma might be a result of using a<span style="font-size: medium;"> roofer with 1970 technology: venting to remove heat. <span style="font-size: medium;">T</span>he spores from your Spelunker's Cave sitting on top of your child's bedro</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b></span>om, a place you call the attic, have been breeding, permeating your framing, siding, mildewing your soffits, and causing general mayhem.<br />
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The heat removal is just a plus, and a mighty one at that, but do you think lowering your attic from 160 F to 130 F is wonderful. It is unless you are in it, and you'll still cook, albeit just a little slower.<br />
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By the way, if you read the small print on your roof warranty, the warranty is void if you don't follow the rules. Duh? And I promise you your roof will fail in less than 15 years. The blistering, granular loss, cracking, curling or clawing might happen in as little as six or seven.<br />
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Tired of repainting your house, wondering why your insulation is packed, the kids are sick, the house smells like old people and puppies, your electric bills are higher that your neighbor's, and only you got ice dams in the last ice event? I bet you wished you paid your deductible now rather than listening to a liar.<br />
<br />
Merry Christmas everyone. I hope Santa doesn't mess up your roof. <br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<br />
<br />
<br />
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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Now get this: why is it that a disproportional amount of GAF roofing materials are stolen from job sites? These shingles grow legs faster than a walking catfish or mudskipper. Let''s say GAF is 60% of the market, then why does it seem that GAF composes 95% of the theft? The answer is Home Depot.<br />
<br />
Home Depot does not require a receipt for returns but Lowes does. So does every other responsible retailer. Home Depot sells GAF and Lowes sells Owens Corning. We've called both and verified this after other roofing contractors
told me about the "no receipt rule" at Home Depot. This info was
disclosed when we were discussing the theft of GAF Timberline from their
jobs and one from the contractors own home. The Certainteed rep says the GAF are stolen because they weigh less. According to one supplier, who weighed the shingles, the Timberlines from Home Depot weigh less than the ones he sells. I will not tell you who told me this because he no wanna problemos but the difference was considerable. I will conduct an inquiry myself and let you know. If anyone else has first hand data please let me know.<br />
<br />
Do you think Home Depot cares if roofing contractors lose money, being that Home Depot is also a roofing contractor? They don't give cash, they give store credits. That is like making a sale. They get the profit on the back end like a pawn shop, a fence, an alley dealer. That may be a little rough but they are not acting like responsible members of the community. Those stolen shingle cause people hardship, drive up the cost of roofing, and run businesses out of business.<br />
<br />
I personally find it unethical to receive materials back without a receipt and then make money with a captive customer with a store voucher. Profit is made by the mark up on the voucher purchases. The local police probably don't like it any better than I do.<br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
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Until recently if something on your roof, or any other part of the home, was not up to code and replacement was covered by the insurance carrier, the insurance paid for the upgrade to code compliance. The insurance doesn't pay for sloppy workmanship, seconds or defective materials, or anything that is not a sudden loss by an "Act of God." But they would pay if a legal government entity like the state, county or municipality required better materials.<br />
<br />
If a Homeowners Association or the Mafia required you to put on thicker shingles or decking you were out of pocket.<br />
<br />
The change came recently as we fought the insurance companies to pay for better decks on homes with 3/8" decking and won. These thin decks had their roofs replace several times and like most roofs were improperly ventilated. They were safety hazards not only for the roofers but for anyone going up their to get an errant newspaper or put out a fire.<br />
<br />
In the recent past many areas allowed fire resistant decking to be used on multifamily condos in lieu of through roof firewalls. The accelerated testing methods did not show that once heated the chemicals used for the fire retardant slowly destroyed the structural integrity of the manufactured wood. Sheet happens and sometimes 4x8.<br />
<br />
Last summer an employee of an insurance company said he was going to talk to the cities and see if he could get some relief. That means inferior building codes. Now Irving allows for 3/8" decking to be laid over your worn out decking that is unfit for a sanitary landfill.<br />
<br />
A small step for insurance, a giant fall for the firemen. Anyway, if you can find 3/8", it is not that much cheaper but the insurance doesn't have to pay for the removal and disposal of the old deck. This is the unblemished endorsement of shoddy workmanship that insurance companies warn you about.<br />
<br />
In conclusion it is reasonable though. You shouldn't expect your insurance to remodel your home. Now go ask your agent if he's offered you the code upgrade feature and if there is anything else he should tell you before he gets you with the low bid policy that covers very little.<br />
<br />
Do you even know what your deductible is and if it the same for all types of claims? If you ask your agent for advice and he's experienced, he'll probably get to work and explain your options. There are lots of shortcuts being thrown out there these days and you don't want to find out the hard way that you didn't have flood, fire, arson or code upgrade coverage. <br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
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Merriam Webster describes felt as such:<br />
<br />
<a href="http://www.merriam-webster.com/dictionary/feel">feel</a><br />
<div class="headword" id="headword">
<h2>
<sup>1</sup>felt</h2>
<span class="main-fl"><i>noun</i></span> <span class="pr">\<span class="unicode">ˈ</span>felt\</span></div>
<h2 class="def-header">
Definition of <i>FELT</i></h2>
<div class="sblk">
<div class="snum">
1</div>
<div class="scnt">
<span class="ssens"> <i class="sn">a</i> <b>:</b>
a cloth made of wool and fur often mixed with natural or synthetic
fibers through the action of heat, moisture, chemicals, and pressure </span><span class="ssens"> </span><br />
<div class="break">
</div>
<span class="ssens">
<i class="sn">b</i> <b>:</b> a firm woven cloth of wool or cotton heavily napped and shrunk </span></div>
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<div class="snum">
2</div>
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<span class="ssens"> <b>:</b> an article made of felt </span></div>
</div>
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3</div>
<div class="scnt">
<span class="ssens"> <b>:</b> a material resembling felt: as </span><span class="ssens"> </span><br />
<div class="break">
</div>
<span class="ssens">
<i class="sn">a</i> <b>:</b> a heavy paper of organic or asbestos fibers impregnated with asphalt and used in building construction </span><span class="ssens"> </span><br />
<div class="break">
</div>
<span class="ssens">
<i class="sn">b</i> <b>:</b> semirigid pressed fiber insulation used in building </span></div>
<div class="scnt">
<span class="ssens"><br /></span></div>
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</div>
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<span class="ssens">We will discuss 3a, of course.</span><br />
<span class="ssens"><br /></span></div>
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</div>
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<span class="ssens">Originally there was just 15 lb., 30 lb., and copper felt. They were made from pulp made from rags, newspaper, and even old dollar bills. At the GAF plant on Singleton Blvd. in Dallas, TX, there was once a network of government agents guarding a convoy of armored vehicles coming from Treasury to guard the old dollar bills about to be mushed into roofing felt. </span>15 lb. weighed about 15 lbs. per square and 30 lb. did as its moniker stated also. Copper felt was a flashing, that I've actually seen, used for flashing. Copper was laminated to the asphalt impregnated felt. Watching the felt and asphalt get it on has scarred me for life.</div>
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<span class="ssens"><br /></span></div>
<div class="scnt">
<span class="ssens">There are other old felts, like asbestos, that we won't talk about because the censors at the EPA are in the next room. By the way, it was replaced by fiberglass felt.</span></div>
<div class="scnt">
<span class="ssens"><br /></span></div>
<div class="scnt">
<span class="ssens">Some felts were used for built up roofs, known as BUR, because they are used in layers with an interply of asphalt, to build up layers. Later they were punctured full of holes so the fumes and vapor could escape. This felt has been long gone from my life but could still be in use in colder climes. Non-fiberglass felts work well where it is so cold the fiberglass felts shatter.</span></div>
<div class="scnt">
<span class="ssens"><br /></span></div>
<div class="scnt">
<span class="ssens">The problem with 30 lb. as an underlayment is that it can wrinkle, even after it has been installed, and it is also a vapor barrier. This will accelerate the demise of a less than perfectly ventilated attic as it is moisture, and not heat, that is the Great Satan of Roofing.</span></div>
<div class="scnt">
<span class="ssens"><br /></span></div>
<div class="scnt">
<span class="ssens">On low slope roofs two ply of 15 lb. is mandated because it eliminates the weakness of a two inch lap that one ply of 30 lb. has plus the wrinkle factor. Any wrinkles on a roof between a 2/12 and 4/12 is a cardinal sin. 30 lb. under composition can be an original sin if it is not ventilated buy the rules governing fluid dynamics and moisture migration. These be <a href="http://physics.bu.edu/~duffy/py105/Bernoulli.html" target="_blank">Bernoulli</a>, not to be confused with the great Texan </span><a href="http://en.wikipedia.org/wiki/Vincent_Burnelli" target="_blank">Burnelli</a>, and <a href="http://en.wikipedia.org/wiki/Venturi_effect" target="_blank">Venturi</a>. If you are lost here you're going to flunk the test at the end of the blog. So you better go back to the beginning and start taking notes.<br />
<br /></div>
<div class="scnt">
</div>
<div class="scnt">
Sometime back in the late 1980's the 15lb. became #15 and 30 lb. became #30. This was because they weren't what they used to be. They lost their tonnage and the lb. suffix became a "#" prefix. Sorry Capitalist Pigs, of which I am a card carrying member.</div>
<div class="scnt">
<br /></div>
<div class="scnt">
So what's an ethical roofer to do? Fret? Cry? Stomp his feet until something better comes along? Assuredly we did and the roof god Techus provided us with an alternative to sin. Synthetics, something short of sin but in the same category. This is because there are some really bad ones and some okay ones and some really fantastic ones. You've got a complete cornucopia of synthetics and hybrids out there that could confuse even the most learned of roofing Philosophers and Sophists.</div>
<div class="scnt">
<br /></div>
<div class="scnt">
Some synthetics breath and others do not. Permeability, my friend, is the mother of roof penicillin. Whether it be in the movement of attic air or the containment of humidity in the undergarments of roofing, the issue is the same: moisture ruins organic and metallic materials.</div>
<div class="scnt">
<br /></div>
<div class="scnt">
The hybrids are asphaltic felts that lay flat like #15, ugh, but have the strength of #30.</div>
<div class="scnt">
<br /></div>
<div class="scnt">
Now, let's talk new construction versus re-roofing steep roofs. When roofers roof new homes they can use #15. They roll felt and lay roofing. They do not need to walk on the #15, and if they did they'd be mangled in some way or another. #15 will not support a person on a steep roof. When re-roofing a steep roof, the roofers must dry in the home rapidly to protect the contents and the finished product: sheetrock, paint, insulation, carpet, etc.</div>
<div class="scnt">
<br /></div>
<div class="scnt">
In the recent past all the way back to my ancient beginnings as a roofer, insurance companies paid for #30 on insurance claims pertaining to steep roofs. This protected the roofer from certain death. Now they cheap out and only pay for #30 if it is on the roof prior to replacement. I've told them that one day a roofer will break his neck and they will be included in the lawsuit. I hope some attorney comes across this and uses it in his filings.</div>
<div class="scnt">
<br /></div>
<div class="scnt">
There is so much more more to tell about felt but my felt pen is running dry.</div>
<br />
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"></span></div>
<span style="font-size: medium;"><b>Jon Alan Wright</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Jon Wright Roofing, Siding, and Windows</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>1915 Peters Rd., Suite 310</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>Irving, TX 75061</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.251.1818 Office</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>214.718.3748 Cell</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: small;"><b>972.554.8090 Fax</b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><a href="mailto:jonwright@jonwrightroofing.com"><span style="font-size: small;">jonwright@jonwrightroofing.com</span></a></b></span></div>
<div style="margin-bottom: 0in;">
<span style="font-size: medium;"><b><span style="font-size: small;"><a href="http://www.jonwrightroofing.com/">www.jonwrightroofing.com</a></span></b></span></div>
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