Roofing Loans Financing: A Guide for Homeowners

Roofing Loans

Our team here at American Standard Roofing discussed types of roofing loans financing in an earlier post. We have also discussed in depth the options homeowners have when looking for roofing loans financing ways and methods here. However the topic generates so much buzz that we decided to go over it another time and explore it a bit further. We see plenty of homeowners looking for roofing loans financing and related information. That is why our team of experts have come up with a few tips that will help deciding based on different situations.

Don’t Get Caught Off-guard Between Roofing Loans Financing:

The biggest piece of advice we can give homeowners is this: never get caught off-guard. It is very easy to make a poor decision when it comes to roofing loans financing. Homeowners often feel rushed and pressured. Misguided advise from salespeople, and even friends at times, can result in some hasty and regrettable decisions. Not to mention, even at the slight hint of getting a new roof salespeople swarm you with deals, sometimes being extremely pushy. But, remember this: do your homework and get multiple quotes no matter how much the salesperson might tell you that this will waste you time and opportunity.

Don’t Get Pressured Into Signing Anything:

As we explained earlier, always do your homework. And if you have, feel free to sign the contract if you think that is the best deal being given to you when looking for roofing loans financing. However, if you are unsure, do not let pressure tactics get to you. Rule of thumb is to never sign the contract with anyone simply after just one estimate and quote. If you have a beautiful home interior and can see a dripping leak, do not panic. This situation should not let you make hasty decisions. Find a way to make temporary repairs and do not start on your project until you have done your complete and through research on best prices, deals and options available to you for roofing loans financing.

Always Look Over the Fine Print:

It is essential that homeowners take the time to look over the small and fine print when signing for roofing loans financing. Our advice is simple. Take all the information that the estimator wants to share with you, and then look it all over with a fine toothed comb when you are by yourself. You do not need anyone trying to sway your opinion or to misguide you when it comes to the small print on the contract.

Important Factors Homeowners Need to Check:

A few things that homeowners need to focus on are term length, the interest rate, and general loan provisions when looking for roofing loans financing. There are a few questions and issues that homeowners need to ask and check irrespective of any circumstances or factors:

  1. The rate for homeowners. Is it fixed or a variable rate? It matters because variable rate can change after a certain period of time. Fixed rate remains the same for the duration of the term.
  2. Homeowners need to check if there an early termination fee or prepayment penalty for the roofing loans financing they are getting. Sometimes homeowners want to pay off the loan early. If that’s the case, make sure there is no associated penalty in roofing loans financing.
  3. Another important one is if there are any other upfront charges for taking out the loan. If possible avoid having those set in the roofing loans financing terms.
  4. This is a big one. We always advise going for an unsecured loan. That means if possible, you do not have to put your property as a collateral or guarantee. That way, if God forbid homeowners are unable to pay, their home is not placed as lien on property.
  5. Always check if it is compound or simple interest loan.

Always Go With Licensed Contractors:

Always go with licensed, bonded and insured contractors, especially when looking for roofing loans financing. The reasons are simple:

  1. Properly licensed, bonded and insured contractors will have a certain rapport with lending institutions. This is more applicable if the contractors do a lot of volume work and have a lot of projects going on.
  2. These contractors are able to choose for the best interest rate and terms with minimal effort. This is because they have options they can choose from.
  3. Such contractors have a reputation in the industry. They have a customer base which they do not want to upset. This is why they will work harder for the customers to get business and find best options in the market.

We’re here to help!

 

Now that you know what to look for in a loan, you can apply directly through our website. We are licensed, bonded and insured contractors. We will find you the best roof loans for bad credit available. We’re Michigan’s #1 roofers. We have been in business for over 36 years. We know the right people who can get you financing. Call us today at (248) 350-2323. Or CLICK HERE. We’ll get you approved!

Roofing Loans Financing Click HereGet me approved

 

Safely Climbing Roof? List of 10 Helpful Tips

Safely Climbing Roof

Safely climbing roof is not as easy as it sounds. This is something our team here at American Standard Roofing agrees upon. With adverse weather hitting Metro Detroit Michigan area in the last few days, we have been hearing a lot about accidents both on and off the road. We specifically hear horror stories about people climbing roof.

Safely Climbing Roof is Good For You!

Safely climbing roof keeps you from not becoming an accident statistic. In terms of home improvement, falling off a ladder, or for that matter a high spot, say like a roof, is no joke. According to a study conducted by CDC (Center for Disease Control) last year:

The study, published in the most recent Morbidity and Mortality Weekly Report (MMWR), found that falls remain a leading cause of unintentional injury mortality nationwide, and 43 percent of fatal falls in the last decade have involved a ladder.

Among workers, approximately 20 percent of fall injuries involve ladders, and among construction workers, an estimated 81 percent of fall injuries treated in hospital emergency rooms involve a ladder.

10 Safety Precautions For Homeowners:

Our team has come up with a list of ten measures that will help homeowners and project undertakers in safely climbing roof and not have any accidents. Hopefully adhering to these safety measures and tips can stop these terrible accidents we keep hearing about.

1. Unnecessary Walk on Roof:

 

Footsteps

Avoid walking when not necessary. A good tip from our experts: stay off tile or slate roofs completely. They are slippery and breakable.

2. Find Proper Footing:

Walk Carefully

Make sure you step carefully once on the roof. Stepping on rotted and brittle old roofing material can cause falls and accidents.

3. Appropriate Clothes and Footwear:

Proper shoes and clothes

Safely climbing roof requires you wear loose, comfortable clothing. That and proper footwear is also necessary. Something like clean, dry rubber-soled shoes, with good ankle support comes recommended from our team.

4. Have a Friend Help:

Friend Ladder

Two is always better than one. At least when it comes to safely climbing roof. Have a friend or family member come help out or stand by the ladder when trying to climb roof.

5. Standing Properly on Ladder:

Ladder Standing

It is important to stand properly on the ladder when safely climbing roof. Never stand on the top two bars (or rungs) of the ladder. At least two rungs should extend above the eaves so you can step directly onto the roof. It is safer that way because of weight distribution between you, roof and the ladder.

6. Sturdy Footing for Ladder’s End:

Rubber Ladder End

Our team recommends install rubber safety shoes on the ladder’s feet if your ladder already doesn’t have those. This is especially important if the ladder is to stand on a slick or slippery surface.

7. Don’t Overextend Ladder:

Overextended Ladder

This is one of the important ones. Overextending the ladder can cause the ladder to be more flimsy. Make sure that ladder extension is locked in place and that no section is extended more than three-quarters of its length. This will ensure a sturdier ladder and help in safely climbing roof.

8. Don’t Carry Stuff While on ladder:

Rope Over Ladder

We have seen a lot of ambitious homeowners lift tools and other stuff when going up the ladder, to the roof. It may seem trivial but it is a big issue when it comes to safely climbing roof. Be sure to pull materials up a ladder with a rope, and have a place to store them at the top. Carrying them over your shoulder gives you less stability and is an accident waiting to happen.

9. Keep Weather Information Handy:

 

5 Day Outlook

Our team recommends that homeowners work on the roof only if the weather is warm, dry and calm. We highly recommend against climbing the roof when there is a chance of lightning. Severe weather is just something that needs to be accounted for when safely climbing roof.

10. Always Get Professionals for Advanced Help:

ASR Logo

While DIY (do-it-yourself) projects are good to undertake from an economic perspective, our team advises homeowners to contact professionals for advanced level of work. Some roofs have high pitch and slopes and it can become dangerous for novice, first timers to get up there and tackle problems.

Call us for all Your Roofing, Siding & Gutter Needs!

American Standard Roofing serves all Metro Detroit area and a covers a 50 mile radius of the region. We offer our services to each and everyone within this service radius. We are Michigans #1 roofers and we have earned that title! Give us a call today at (248) 350-2323 for all your roofing, siding and gutter needs. We are happy to help!

Common Roofing Words: A Brief Homeowners Guide

Common Roofing Words

Common Roofing Words and Terminology:

Our experts at American Standard Roofing go over some common roofing words and terminology for homeowners.In our experience, we have come across many homeowners who find a bunch of words used in the roofing industry as confusing and difficult to understand. It is important to be familiar with some common roofing words and terms used in the roofing services industry. This is especially important if you run into issues that you would like to fix yourself. A good DIY (do-it-yourself) project basically requires the need to understand common roofing words, concepts and suggestions presented in the roofing guide.

Our team here strongly suggests going over the following list of words we have compiled for you. Understanding these common roofing words will not only make homeowners more confident about what they’re doing, but also prepare them for undertaking bigger projects in the future.

Built-up Roof:

Built-up Roof

A built-up roof is a flat or low-slope roof. It is covered with layers of felt and asphalt, and topped off with a coating of gravel.

Dormer Roof:

Dormer Roof

A Dormer Roof is a way to extend your current space. It is a sort of an extension with a dormer window which provides additional head room. Using a dormer roof is generally the ideal way to go if homeowners want to increase a little bit of space. Make sure you plan your project well and obtain permission from the right authorities before getting a dormer roof.

Eaves:

Roof Eave

Roof eaves are generally referred to the lower point of the roof rim, which may be as long as the outer edge or overhang beyond the edge of the building.

Felt:

Felt Paper

Felt paper, in common roofing words and terminology, is a thick paper used in the roofing industry. It is commonly made of a combination of asphalt and paper, or rags.

Flashing:

Roof Flashings

A flashing is referred to a metal sheet or small metal components in a roof which serve as the seal between tiles and other parts of the roof. It is especially important to keep maintained if you have a leaky roof as explained here along with the picture of what exactly flashing is. Flashing can be made from lead or other materials such as zinc.

Green roof:

Green Roof Chicago City Hall

is a term used to refer to the planting of live materials on a roof, which provide ideal insulation and defense against flooding. It can also be viewed as an aesthetically pleasant option especially in urban landscapes. The picture above is a green roof from Chicago City Hall.

Rafter:

Rafter

A rafter is structural wood, which is used for the attachment of sheath. Image courtesy Wikipedia.

Ridge:

Ridge Cap

As shown in the image above courtesy of GAF, a ridge is the horizontal line formed by the juncture of the two sloping surfaces of the roof.

Sheathing:

Sheathing

Sheathing is a sheet material pinned to the rafters to which shingles and other outside roofing materials can be adhered.

Soffit:

Soffit

Soffit is the area underneath the portion of the roof which extends beyond the sidewalls of the house.

Underlayment:

Underlayment

Underlayment is the material laid on top of sheathing before shingles are added. There are commonly two types of underlayment: synthetic and felt.

Valleys:

Roof Valley

roof valleys are channels where two different sloping roof segments meet, and allow the water to run off.

We’re Roofing Experts!

So there you have it. Being familiar with these key roofing words will help you whenever you have an issue you would like to fix yourself. This will also help you to become more knowledgeable in case you need to understand a basic roofing guide for a particular project. If you require any roofing, siding or guttering service, please give us a call or visit our website. We service Metro Detroit area. We have been in the business for over 36 years and know our job. Give us a call today at (248) 350-2323. We’re happy to help.

 

Quick Glance Over Residential Versus Commercial Gutters

Residential Versus Commercial Gutters

Residential versus commercial gutters is an important topic which our team at American Standard Roofing will cover in today’s post. We have come across a fair share of customers wanting to upgrade their gutter systems. This a result of the raging debate over residential versus commercial gutters and which one is better for residences. We have covered this in depth in a previous post, and we thought we’ll cover it again and go over a few things.

Advisable to upgrade when considering residential versus commercial gutters?

It is very common for customers to ask if they need to upgrade there gutters to a commercial 6 inch system. A lot of our customers come in with the impression that larger gutters generally mean better gutters. While yes, larger gutters mean lesser chances of debris getting stuck in, the statement might not always be true. Our team has a lot of experience with gutter systems and advises homeowners that most of the time sticking to a regular 5 inch residential gutter system is the best way to go.

Below, we will talk about three important reasons why homeowners should stick to residential when considering residential versus commercial gutters.

1. Aesthetic Appearance:

Ugly Gutters

A simple increase of just one inch in size can make a huge difference in appearance. It can have a huge impact on appearance when the gutters are hung. Broader, bigger gutters will end up covering the entire fascia board. Consequently, this means the house will show less amount of trim showing on the outside. Unfortunately this tends to make the home look much less appealing. Oversized gutters hanging on the outside also give the home a bulky or swollen look. Our advice is simple when it comes to residential versus commercial gutters. It never hurts to hunt around for houses with a similar look. Driving around! Look for homes that have the same type of gutters as you want. Looking around at houses can help homeowners save money. Our team has seen work orders being completed and then being ripped down only to have residential gutter systems put in because of aesthetic reasons.

2. Maintenance Issues:

Maintenance Gutters

Bigger gutters obviously have more flow of water. This means more debris. Commercial sized gutters need more maintenance as compared to smaller residential ones. Bigger gutters obviously need more cleaning done. That also means that during winter times more ice will build up along the lines of and inside the gutter. While there are many safeguards for both residential versus commercial gutters, things can end up dreadfully. Our team has seen gutters being ripped out from the sides even though they had solid fasteners. Needless to say, homeowners need be extra careful when it comes to maintenance. And remember, upgrade in terms of size in residential versus commercial gutters often means added maintenance because of the workload.

3. Structural Designs Will Not Get Fixed by Upgrading Gutters:

There have been certain instances in which customers wrongly assume that upgrading gutters will fix structural problems they have with the home. Certain homes are just designed poorly. This poor design leads to a whole host of problems which cannot be fixed by a simple gutter upgrade.

Gutter Worker

For instance, certain areas in which several roofs all converge and pour directly into a valley are always going to be troublesome. These areas will accumulate an excess of ice and when it rains hard everything will pour together and come off that roof like a water fall. A gutter diverter can be helpful to reroute some of the flow but regardless of what you do the water will most likely still continue to flow over your gutters. Our recommendation is to place extra protection underneath the area so that the water doesn’t erode the soil or destroy the concrete.

As explained above, maintenance is important. Homeowners should make sure to clean out the gutters every fall season, and then in the winter throw up a calcium chloride puck or run some heat tape down the length of the gutter and the downspout. Simple solutions some times are also the most effective, our team suggests.

We’re here to help!

If you’re in the Metro Detroit area and need help with residential versus commercials gutters, do check us out. We’ve been in the business for over 36 years and have served over 11000 Metro Detroit customers! Customer satisfaction is everything for us. We offer lifetime warranty for the product, both labor and material. We have expert staff members, and dedicated employees. We also take pride in providing superior pay and safety to our crews. We are also fully licensed, bonded and insured.  Call us today at (248) 350-2323.

Bad Credit Roof Financing: Making Roofing Loans Easier

Bad Credit Roof Financing

Bad credit roof financing has become a primary hurdle for homeowners in the roofing industry today. Our team here at American Standard Roofing advises prospective bad credit roof financing homeowners looking for roofing loans, to be extremely careful. Finding a professional roofer with great background, experience and reputation is essential. That said, when majority of roofing companies hear that you are looking for bad credit roof financing, they start using unsavory tricks. Multiple ‘plans’ suddenly start popping up for bad credit roof financing, along with options that sometimes homeowners do not need. Their salespeople try to force down more projects on you piggybacking on the bad credit roof financing and loan. Here at American Standard Roofing we think this is extremely unprofessional behavior. Our business philosophy is simple: the more aware customer is the better it is for everyone. That is why we have an article for you today that will discuss in-depth bad credit roof financing and loans for better homeowner awareness.

Bad credit roof financing shouldn’t be a hurdle for homeowners!

Bad Credit Roof Financing Hurdles

There has been a decline in some distasteful practices in financial sector over last few years. This has resulted in more cleansed environment in terms of greedy and wolfish common practices. However, unfortunately, the home improvement and roofing industry still have loopholes for bad credit roof financing that can hurt homeowners.

Discounted cash prices or bad credit roof financing?

Cash or financing

Homeowners need to understand is importance of quality products and service for the roof. This comes even before the bad credit roof financing loan. After you have decided on that, let the contractor know you are interested in financing. Any earlier and you risk being taken advantage of. This is because most roofing companies have a knack for selling things homeowners rarely need. One important thing to note here though is that usually contractors will provide a discounted cash price when you bring up bad credit roof financing. It is up to the homeowner to decide if that is a good option. In the end, the homeowners need to decide whether monthly payments (which usually come with added costs) is more feasible for their wallets, or a discounted total payment is the way to go. It all depends on individual circumstances.

Negotiate, negotiate, negotiate:

 

Negotiations

We cannot emphasize on this enough. The best way to negotiate your bad credit roof financing is by considering the total amount you are willing to pay. It is not by playing around with monthly payment amounts. Negotiate your bottom line. A common trick contractors use is throwing a low monthly payment at you. A low, fixed month payment is great. But is it great if you have to pay the amount for over a decade? Will it be okay if you miss a payment and the amount suddenly triples? Not so much. Negotiating terms before hand is also important because taking out bad credit roof financing loans comes with great responsibility. This also needs to be negotiated seriously because it comes with high chance of accumulating debt over a period of time as well. Not to mention the impact it will have on borrowers credit history.

Make your down payment after much consideration:

Think Before Making Downpayment

Homeowners need to pay special attention when making down payment for the bad credit roof financing loan. Do not let contractors change numbers mid way through the projects after you have made the down payment. A homeowner can get caught making a huge down payment and then having to pay more because original quoted amount gets changed because of ‘unforeseen circumstances’. Simply because customer has an open credit line does not give contractors the reason to charge more.

So what are some kinds of bad credit roof financing and loans?

Bad Credit Roof Financing Loans

Luckily, there is a wide variety of bad credit roof financing available. The best advice to look for such a loan is to check banks, credit unions and other lending institutions. Most of them are willing to work with bad credit. There are other options as well like personal loans, credit cards, and other lines of credit that we will discuss in detail underneath. Besides this, another option is to talk to your roofing professionals. If it is a reputable company, they should be able to offer bad credit roof financing with ease. Following are a few ways homeowners can look in getting loans:

  1. Professional Contractors: Your contractor might even be able to offer you financing. Many companies have relationships with lenders that allow them to apply for a loan for you, and the lender would pay the contractor directly. These types of loans are specific for construction, and often have 0% interest rates and other promotional specials. However, just like a credit card, if you miss a payment the interest rate will usually go up substantially, so make sure keep track of when payments are due.
  2. Federal Housing Administration (FHA) Title I: This loan can work for people looking for bad credit roof financing. If you are a home owner and you do not have a lot of equity built up, you can generally get qualified for this. It is very simple how this works. Any lending institution (such as bank or credit union) will provide loans from their funds and FHA will insure them against any loss they might take if borrower defaults. This loan can be taken to work on roof repairs, replacements and even some luxury item renovations. Here is a link to the program’s website for more information.
  3. Credit cards: These are a good mode of obtaining a loan, and their more feasible if their interest rates are low. Homeowners do need to have good to moderate credit to qualify for that, however, in most cases. Many customers with bad credit opt for applying for credit cards that have a security deposit with them and a lower credit line. These type of credit cards are easier to obtain when looking for bad credit roof financing. If you’re good with managing finances, this can work out well. Break up the cost in monthly payments and do not charge anything else to the card. An excellent tip from our experts here at American Standard Roofing.
  4. Equity Line of Credit (HELOC): This is another option customers can look into. Existing home owners can put their home as collateral for a loan and then use it for roof repairs/replacements. More information about HELOC can be found here. This type of line of credit is generally only used for large expenses. They can include medical bills and necessary home improvements. A good idea is to draw on this line of credit. Then finance a new roof with this credit, and pay it all off over time eliminating further need for search of roofing companies that finance. Home refinancing and home equity lines of credit are different in that you are putting up your home as collateral for the money they are loaning you. You should discuss with your banker what the best option is for your situation.
  5. Build Your Savings: Start saving! That is the best option among all other for bad credit roof financing. Start putting away a fixed amount today. This will gradually build up for that rainy day when you need a new roof.
  6. Grants: Finally, if you have tried looking into all other options for bad credit roof financing, and still come short, do not worry. Most areas in the US have allocated grants from the federal and state government. Homeowners will have to check with local building administrators and talk to community members check what is available. While they rarely cover whole amount of project, they can still cover a major chunk of costs without hurting the wallet.

Think quality of work, not just costs:

the right balance

Just like everything else in the world, the right balance is very important. While costs might be important, remember that a bad installation can come back and haunt you. There needs to be a good balance between the quality of work and products and the costs incurred by the homeowner. Sure bad credit roof financing is harder to get. But that doesn’t mean you should compromise on quality.

Other important questions to consider when considering taking out a loan:

  1. Another important thing to consider when working with bad credit roof financing is asking yourself if you really need the loan. Is it actually need or a want? Will you be able to survive without taking out this loan?
  2. Will the new roof or any other improvement being done from this loan actually increase your home’s value?
  3. At this time, when you are planning on taking out a loan and in need of bad credit roof financing, can you really afford the renovation? In case of roof, can you afford it in terms of monthly payments or discounted cash price?
  4. Finally, will there be any tax deductions you can claim at the end of the year? Are there any credits that you as a homeowner can earn due to taking out this loan?

Have you shopped around?

Compare Lenders

The above info-graphic is from Consumer Financial Protection Bureau. Most of the homeowners do not do necessary homework when it comes to taking out a loan. Keeping in mind the above types and conditions e mentioned, there are a variety of bad credit roofing loans out there with different interest rates. Our advice to homeowners is simple: get multiple quotes from several different contractors and lenders. You should get quotes from contractors before approaching lenders so that you’ll know how much you need to borrow. Our team also advises getting a minimum of at-least 3 quotes from different contractors.

One of the benefits for that is when you approach a lender to get a loan, they will have an easier time determining bad credit roof financing amount. This will also go on to show the lending institution that you are serious about the work that needs to be done. It will also go on to show that you have done your homework and have come to them for borrowing after due diligence. In addition, homeowners should also check with their local bank or credit union that they have an ongoing relationship with over the years. These lending institutions might be willing to work with homeowners they have known for a long period of time despite bad credit and other circumstances.

Getting more than 1 quote for the roof job also enables homeowners to find the best and the most cost effective plan tailored for them. This effectively will reduce the cost of the project and make the bad credit roof financing amount lower making it easier to get the loan.

So what should homeowners do? Go online, talk to people for referrals and do your homework when looking for contractors. There are many out there but you will have to differentiate the good ones from the bad ones. That is not an easy task in itself given the market saturation when it comes to roofing professionals.

A few things you should be looking for in contractors:

  1. Make sure contractors are licensed, bonded and insured.
  2. Make sure they offer full warranty of the product along with labor. Here at American Standard Roofing we offer 30 year product and labor warranty.
  3. Make sure the contractors are reputable. Go online and check their reviews. Customer satisfaction is key. Online reviews are an excellent way of judging how contractors treat their customers. Our reviews are best in the business.
  4. Talk to people in the community. Referrals are an excellent way of finding good contractors.

How does Credit Score Matter?

Good credit Infographic

Above is an excellent infographic from credit.org that shows what credit scores lending institutions consider when making decisions about bad credit roof financing. While not exact, it should give homeowners an idea of how interest rates vary as credit scores go up or down.

While it may look scary, but here at American standard Roofing, we work with multiple financial institutions who will work with you.

GIVE US A CALL TODAY!

We are Michigan’s #1 roofers. We have been in the roofing business for over 36 years and know what we’re doing. Over a period of time we have built relationships with a bunch of financial institutions. We will work with you and get you on your way to getting that new roof. Call us today at (248) 350-2323 or visit our website here.

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Passing Home Inspections Should Not Be A Nightmare for Homeowners

Passing Home Inspections

Not being able to clear home inspections can become quite frustrating for homeowners. Today our team here at American Standard Roofing brings you some helpful tips for passing home inspections if you plan on selling your home.

Why is passing home inspections important?

Home inspection is an extremely important step for anyone selling their home. Homeowners selling their home really do not want any major flaws found within their homes. Why? Because that would halt the selling process. Experienced home owners who have bought and sold their homes will tell you that home inspectors usually point to a few things that need to be fixed. The reason for that is because these professionals are trained to find structural issues that people cannot point out.

For your convenience, we will shed light on a few common issues discovered by home inspectors so you don’t have to be bothered later on to have to fix them:

  1. Electrical Issues: Some of the older houses usually have issues with electrical wiring. While the wiring may have been fully operational and safe when the home was being built and the wires being put in, but years later is a different story. For passing home inspections, electrical issues need to be looked into. Homeowners should check if all wiring follows the safety codes. Also check whether or not it has now become a fire hazard.
  2. Water damages: This is a big one for passing home inspections. Watch out for water damages. Best way to do that is to keep a look out for signs on your ceiling. A good sign to know if you have damaged plumbing in sinks or bathtubs is a wet ceiling. We covered this in a previous post as well. Another tip is to look for traces of wet surface and moisture around kitchen closets. Same applies to toilets as well. While any outside leakages are easy to point out and fix, you might need to open up internal pipes to check and see if they need repairs.
  3. Home Foundation: Taking care of foundation issues is important for passing home inspections. Foundation and some of the framing issues can be tracked through cracks and traces of termite. These can affect the foundation and become a big structural problem. Our experts recommend keeping an eye our for this one.
  4. Roofing: As roofing experts, we can tell you it will be very hard to completely inspect the roof just by a quick glance. That said, homeowners can just stand back in their yard and try to look for balding, bare or soft spots. We also advise to check for water damages as well. Fairly important for passing home inspections. One good thing here is that homeowners do not have to necessarily worry about complete roof replacements. It may just turn out to be just a repair. If you’re lucky it will just be a repair on a particular section of the roof.

Call us for all your roofing needs!

American Standard Roofing stands behind all of it’s work. As certified and licensed roofing contractors, we know what we’re doing. We have over 36 years of experience in the industry, Our reputation is on the line the moment we set foot on site. Unlike our competitors, we do not care more about profits than job done. We believe in never sacrificing quality for an easy profit. We stand behind our services for the lifetime of the product,both labor and material. This is something not common-practice in this industry. Please remember to call us for any professional help you might need.

If You Need Help With Roof Loans For Bad Credit Look No Further

roof loans for bad credit    roof loans for bad creditRoof loans for bad credit

We help with roof loans for bad credit all the time!

Are you looking for roof loans for bad credit? Do you have the earning means but not the optimal credit? Look no further. Here at American Standard Roofing, we work with several lending institutions to help get you roof loans for bad credit.

A recent report by CNN money points out:

The U.S. economy grew 3.7% in the second quarter, a very big upward revision than the first official estimate, 2.3%, according to the Commerce Department’s measure of gross domestic product, the broadest measure of economic activity. Economists projected the new number to be 3.2%.

This positive growth in US economy is a welcome news in the roofing industry. It means financial institutions that lend money will be more willing to provide roof loans for bad credit.

Unfortunately, not every roofing contractor is willing to help homeowners with less than perfect credit history get roof loans for bad credit. Homeowners in Metro Detroit area have faced much hardship in the the recent past.They have been unable to keep up with their home, auto and other loan payments resulting in bad credit history. Not exactly a position to be stuck in when you are looking for roof loans for bad credit. Fear no more though. Our experts at American Standard Roofing advise that banks are now approving credit score as low as 400. They have also made a comprehensive list of recommendation when looking for roof loans for bad credit.

1. Simple Interest Loan:

When it comes to roof loans for bad credit, this is the go to loan you should look at. A homeowner can end up paying less in interest than a standard loan if he/she makes payments early. A potential drawback however can be that if payments are not timely, borrower ends up paying substantially more.

2. Prepayment Penalty:

Always make sure there is no prepayment penalty for the loan. This is useful because if the homeowner wants to pay his/her roof off early, there would be no penalty on that.

3. Fixed APR:

Our experts recommend going for fixed rate roof loans for bad credit, instead of a variable one. It provides ease of mind to borrower knowing that the rate is fixed for the duration of the term and will not go up after a certain time period.

4. Unsecured Loan:

By definition, an unsecured loan is given by keeping in view the borrower’s creditworthiness. This means no use of property as collateral. This is a much safer loan to get when searching for roof loans for bad credit. It also comes recommended from our team.

5. Shop Around for Best Options:

Make sure that when you are approved for the loan, you can shop around with different contractors, suppliers or manufactures. Sometimes loan approvals come with limited choices. This step will help ensure you can get the best deals out there.

6. Show Full Income:

Sometimes homeowners who apply for a loan fail to show complete annual income. Income includes not just your salary but any other sort of payment that might be included in your household. This can have a major impact on the result of loan approval.

7. Down Payment:

Sometimes making a down payment also helps. Lending institutions sometimes decide whether they want to give a loan based on down payment. Making a down payment shows positively when asking for roof loans for bad credit.

8. Co-signer:

While not the most ideal situation, most of the times people with bad credit need a cosigner. It helps tremendously if the cosigner and the borrower of the loan share the same house. It makes the decision easier for lending institutions.

We’re here to help!

Now that you know what to look for in a loan, you can apply directly through our website. We will find you the best roof loans for bad credit available. We’re Michigan’s #1 roofers. We have been in business for over 36 years. We know the right people who can get you financing. Call us today at (248) 350-2323. Or CLICK HERE. We’ll get you approved!

Proper Roof Ventilation is Important: Our Experts Explain

Proper Roof Ventilation-SummerProper Roof Ventilation-Winter

Proper roof ventilation is by far the most overlooked aspect of home maintenance by homeowners. Most homeowners fail to check if they have proper roof ventilation when considering repairs and other similar projects. One of the main reasons why it is overlooked is location. It is a hard to reach place. Access to roof is not always easy and same goes for the attic. Our experts go over proper roof ventilation in today’s post, and help homeowners better understand why it is so important.

What Does a Proper Roof Ventilation System Do?

In order to explain proper roof ventilation to homeowners, our experts here at American Standard Roofing came up with a simple explanation:

A proper roof ventilation system effectively stops moisture build-up in the winters on your roof, and lowers your temperature in the summers inside your home. It plays a key role in making any home’s cooling and heating systems more efficient. This not only increases the life of your roof, but also cuts down cost making it a friendly affair for your wallet.

It is also interesting to note that most homeowners think that once a roof is built or repaired, it is sufficiently ventilated. More importance is given to insulation than proper ventilation of roof. While insulation is extremely important, a proper roof ventilation is an important part of the equation as well.

Signs of Bad Ventilation in Your Home?

Signs for Non Proper Roof Ventilation

Our experts here have identified a few indicators that might point towards lack of proper roof ventilation. These are:

  1. If you feel there is excessive heat in the attic area during summers.
  2. If you spot mold or any kind of natural growth under your roof and attic area. These is usually due to dampness cause by lack of ventilation.
  3. If you see frosting on sheathing, rafters or other items in the attic. This can indicate a lack of air ventilation.
  4. If you spot water droplets from edge of nails. While this can also point to a leaking roof, this can also indicate a lack of proper roof ventilation.

Benefits of Proper Roof Ventilation:

Our team here is a big advocate for proper roof ventilation. Here are some benefits that homeowners reap:

DurabilityA properly ventilated roof lasts longer than a non-ventilated roof. It helps stop build-up of ice and dams on the roof which can cause damage to the roof and shingles. A big build up of ice is also bad for the entire building.

Airflow: A proper roof ventilation provides additional air-flow. This is beneficial both in summers and in winters. In summers it circulates the air keeping the temperature down. In winters additional air flow means dampness will not set in the building materials. Added air flow also means less damage to insulation in attic area.

Moisture lock: As explained above, proper roof ventilation also helps in protection from moisture. Moisture is the biggest enemy when it comes to roofing. It causes the building material to rot, consequently increasing repair costs. A well ventilated roof makes sure that air flow doesn’t allow moisture in the materials. A proper roof ventilation system also makes sure air is circulating adequately in both winters and summers.

Don’t Have Proper Roof Ventilation? Call Us!

Our experts strongly advise to check your roof for proper ventilation. If you think it needs work done, contact roofing professionals. If you’re wondering, homeowners can easily add on a ventilation system to an existing roof. If you’re roof has started showing signs of damage and you feel you might need a roof replacement, now is a good time as any to call us.

If you are not sure about your home’s roof ventilation, give us a call. We are roofing professionals with over 36 years of experience. We can help. We also do free roof, siding and gutter estimates. Give us a call today.

Holiday Tips: Decorating Roof Without Damaging it

Decorating Roof Without Damaging

Colorful lights on a home are certainly enjoyable to look at but it takes considerable time and effort. It can also take a toll on your roof. That said, safety is key when looking to get involved in decorating roof without damaging it. For a homeowner, decorating accidents are the worst thing that can happen this season. That is why it is important to make sure decorating roof without damaging it is done safely. It is also important that ornaments and decorations are properly secured.

Our experts over at American Standard Roofing have compiled a list of tips for decorating roof without damaging it. These tips help you stay stress-free and encounter minimal danger so you can enjoy the season fully.

Tips for decorating roof without damaging it:

  1. Make sure your decoration lights are properly wrapped before you climb the ladder outside. Decorating roof without damaging it means no tangled or twisted decoration lights/wires. It also means less time for you on the roof and more safety. Fix the wires before climbing the roof. Tangled wires can get caught in cracks and crevices. This increase wire exposure chances. This can also result in electrical sparks and other issues.
  2. A common mistake that most homeowners make is hanging decorative lights from their shingles. Our experts have seen people making holes in shingles and roofs to hang lights. This is a major no-no. Why? Because it can let moisture and other elements in. A suggestion we have is to put the Christmas lights up with clips that hang on from the gutters. Remember: decorating roof without damaging it means lights need to be secured properly to something. Do not leave them just hanging.
  3. It is important to take decorations down carefully when talking about decorating roof without damaging it. After the season, everyone is in a rush to take the decorations down. Ripping them down or hastily grabbing and pulling/tugging at them will only result in gutters and shingles being damaged. Take your time to remove each clip holding decorations, separately. Here is a gem from our experts: patience now will save you in repair costs later on.
  4. Our crews have also come across quite a few homeowners who have been subject to electrical shocks while setting up decorations. These decorations have a tendency to shock if they are not properly plugged away from power lines. Decorating roof without damaging it means using an external, portable outdoor circuit, for safety. We have also come across homeowners who overloaded their circuit breakers resulting in fires damaging the home. Be safe and play it smart.
  5. Two is better than one. Always have someone help you out when you are setting up the decorations for your home. There is a wide variety of things the helper can do. He/she can hold your ladder, help carry items, and above all help in times of emergency. This also reduces the chances of damages to homes which an average do-it-yourself-er is prone to.
  6. Speaking of do-it-yourself, our recommendation this holiday seasons is to set aside a budget for professional installation of decorations. Most homeowners are not that well-aware of electrical circuitry knowledge that is needed. Then there is also the issue of physical and equipment limitations. Decorating roof without damaging it, or the safety of the person decorating, is best addressed when you hire professional decorators.

‘Tis The Season!

So there you have it. Hope these tips come in handy when you are decorating your home. Our team at American Standard Roofing wishes you a happy, healthy and safe Christmas and holiday season. For all your roofing,siding and gutter needs, feel free to call us at (248) 350-2323. We are happy to help!

Guide to Choosing the Right Color Roofing Shingles

right color roofing shingles

The right color roofing shingles will help enhance your home’s appearance as well as work with the natural climate of the area where the home is. Shingles are important because roof is undoubtedly the most important factor in determining the appearance of your home. A properly installed roof lasts a long time, so choosing the right color roofing shingles is important. Our experts here at American Standard Roofing have come up with a few steps to help homeowners choose the right color roofing shingles for their homes.

Steps for choosing Right Color Roofing Shingles:

  1. Weather characteristics of the geographical location: it is extremely important to keep the climate in mind when deciding roofing shingles. The area of the house should be a big factor in deciding which color to go for. We did a separate blog post on how roofs reflect and absorb heat depending on color (and material) of the roof. You can read it here.
  2. Color coordination of roofing shingles with rest of the house: it is also important to color coordinate the roof of the house with the rest of the house. This can include the bricks, wooden siding, or stone used on the outside of the house. Our experts discuss the best color combinations in depth here.
  3. Curb appeal: your house makes a statement. Homeowners should remember that. Light or dark roofs, high contrast colors versus low contrasts, using neutral colors versus trendier colors; all these all make your home stand out and give it character. Be sure to consult with roofing professionals to add to your design of thought and customize your home.
  4. Crafting the right semblance: it is very important to provide the right illusion for your home by using the right color roofing shingles. Darker color roof shingles give the home a smaller, more cosier feel. Lighter color shingles do the opposite. Our experts advise to choose whatever look and feel you want carefully as well installed roofs last a long time.
  5. Harmony with the home’s neighborhood: most neighborhoods have regulations for using a designated range of colors on the outside. Our experts suggest making sure from the neighborhood associations before finalizing on your right color roofing shingles. This will ensure you are not in violation of any rules set in place. In addition, a house that awkwardly stands out also loses it’s aesthetic appeal sometimes. Make sure you find the right harmonious balance.
  6. Do your research before spending money: there is a wide array of right color roofing shingles and materials available in the market. Homeowners need to perform due diligence and do their home work as to what suits their needs best. They should also take time to speak to roofing experts to find that right color roofing shingles combination. This will be more economically viable and result in a better looking house.
  7. Work with colors that enhance the type of your home: finally, always make sure that whatever the right roofing color shingles you choose, they need to enhance the architectural style of your home. A traditional colonial style might not look as nice with a variety of different colors as a traditional ranch style home. A good tip from our experts is checking out similar build type house as your own. Drive around, see different similar house and see if you like their color combinations. This will give great ideas to homeowners looking for right color roofing shingles.

It’s That Simple!

So there you have it! Following these above steps will help homeowners choose the right color roofing shingles. These steps will also help your home stand out while remaining classy and chic at the same time. Remember to give us a call for all your roofing shingles need. We have been in the business for over 36 years. We stand behind our work and the material we use. In short we know what we’re doing.