8/15/2014 7:48:00 AM Ask the contractor Column: Insurance may cover repairs to storm-damaged solar panels
Sandy Griffis Yavapai County Contractor’s Association
During monsoon season, the winds scream and rain comes down in buckets. At times, hail bounces off the ground, and our roofs take a severe beating. Let's add another factor into the equation: roof-top solar systems. A local homeowner experienced roof damage from a recent monsoon that suctioned off several shingles, exposing the membrane. The wind moved across the roof and under the solar panels like peeling an onion.
The homeowners contacted the solar company, who indicated there would be a $1,000 charge to remove the solar panels in order to correct the roof damage. At this point, the homeowners had not contacted their insurance carrier, thinking the company would not even consider paying the removal cost for the solar panels.
We talked with Darron Baker, CEO of Blazing Sky Energy Group, and Clyde Marshall of The Mahoney Group, and both companies indicated that removal and reinstallation due to storm damage is usually covered. However, there are factors that would nullify coverage. If the damage to the roof was due to an improper installation of the solar system, that would probably be excluded as a covered expense, and the contractor would be on the hook for the damage and costs.
Whether or not solar panel repairs are covered by insurance depends on the specific terms of your policy, so check with your agent to see what would happen in a case like this.
Question: My husband and I are in our 80s and our knees and hips and back are starting to complain about our non-giving floors in the kitchen and family room. What do you recommend for softer, more resilient flooring? - Clyde and Barbara, Chino Valley
Answer: There is an abundance of softer and quick to recover flooring materials to help give your joints a break. Cork is awesome and it is an excellent floor choice because it has a high level of softness and suppresses the hard pounding when walking. Of course, you can always go with linoleum. This is not vinyl flooring. Linoleum is made from all-natural materials and it offers a soft path for your feet. There is a wonderful vinyl flooring product on the market that looks like wood planks and comes in a variety of thickness and softness. Today's vinyl is available in sheets or as luxury vinyl tile. Step across a vinyl floor in your stocking feet, and you'll notice a more pliable feel to this surface that is relaxed and foot-friendly.
Question: We have three kids under the age of 8. Is there such a thing as indestructible paint? - Penny and Jack, Prescott Valley
Answer: All paints are not created equal, so it is important to select the right kind of paint for the area of the home. A good-quality paint is one that contains less water. The most well-known paints are oil-based and water-based, and water-based is more commonly known as latex or acrylic-based. It was long ago considered that oil-based paint traditionally held up longer and more durable. But with the advancement of time and technology, acrylic-based paints are as durable, and with the acrylic paint, you do not have the smell and the clean-up of the environmentally hazardous material.
Yavapai County Contractors Association is a professional association representing licensed, bonded and insured contractors, suppliers, distributors and business entities. Call YCCA for information on hiring a contractor at 778-0040. Submit questions to email@example.com or through www.ycca.org.