Strong Roofing Legacy, Racing Passion:
The J.R.B. Journey
Three generations deep and spanning over 40 years, J.R.B. Enterprises, Inc. stands as a testament to family, resilience, and craftsmanship. Rooted in the indomitable spirit of Bob Ullstrom Sr., who ventured from Scottsbluff, Nebraska to Denver after an unexpected career shift, the company grew under his wings as he dived into the world of roofing with Conklin Roofing.
The legacy was carried forward by Rodney, Bob’s son. After moving to Colorado Springs in 1995 for academic pursuits, Rodney quickly expanded his roofing prowess. The turning point? A mammoth project for The Broadmoor Reserve Community. Rodney’s expertise and impeccable reputation ushered in a series of challenging and prestigious projects including The Greens at Kissing Camels, Patio Homes in Gleneagle, and Flying Horse. The birth of J.R.B. Enterprises, Inc. was official. Today, with Rodney at the helm, the company thrives with a bustling family of seven.
But the Ullstrom legacy isn’t confined to roofs. Passionate about the world of racing, they’ve turned their home into a haven for young motorsport enthusiasts. Their mission is to engage youth in constructive activities, teaching them the art and science of building race cars. Their property boasts a state-of-the-art track, a custom garage brimming with diverse cars and tools, and most importantly, love. Whether it’s cheering at local sporting events or revving engines at the Mile High Micro Sprints races, their heart for community is evident.
For unmatched roofing services or to immerse in a world of racing, look no further than J.R.B. Enterprises. From the rooftop to the racetrack, they’re not just about business; they’re about forging lasting friendships and memories.
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Meet Rodney & Austin
Frequently Asked Questions
Damage to property after a significant event may be obvious in cases like broken windows, damaged siding, or a missing roof. However, many types of damage, especially to roofs, aren't easily visible from the ground. Just because you saw hail on your lawn or witnessed strong winds doesn't mean the damage to your structures is apparent.
If you're uncertain about the state of your property after a weather event, we highly recommend getting a professional inspection. At JRB Enterprises, we offer complimentary inspections and provide comprehensive feedback on our findings, allowing you to make informed decisions.
It's worth noting that many insurance agents advise policyholders to have a contractor inspect their properties before filing a claim. This assists insurance adjusters, who often get swamped with numerous inspections and reports. Reputable contractors, including us, aim to provide valuable services without leading you down the path of unnecessary claims.
Generally, in most states, insurance companies are not allowed to hike up the rates of an individual policyholder due to damages resulting from an "Act of God." However, insurance companies evaluate risk profiles of regions, and if a particular area consistently exhibits high risk or potential for loss, they might consider increasing rates for everyone in that region. In some cases, if the risk is deemed too high, they might even opt not to renew policies or exit that market entirely.
- Initiate the Process: If you've determined that there's a need to file an insurance claim, start by contacting your insurance carrier. Many companies offer an online claim submission process, but you can also report the damage by calling their toll-free number. If unsure, your local insurance agent can guide you through the steps.
- Provide Necessary Information: Be prepared to give details such as your policy information, the date of the damage, and the type of damage you believe has occurred.
- Adjuster's Role: After filing, you'll receive a claim number, and an adjuster will be assigned to assess the damages. This adjuster will reach out to set up a meeting and inspect your property, followed by generating a detailed report on their findings.
Why It Helps to Have a Contractor Present: While your damage might seem evident, it's highly beneficial to engage a reputable contractor like JRB Enterprises to be present during the adjuster's inspection. Our role isn't to dictate or influence the adjuster's findings. Instead, we're there to ensure all observed damages are noted, helping reconcile any discrepancies. Remember, if the adjuster misses something, getting them to revisit can prolong the repair process. It's essential to note that these meetings focus solely on identifying damages, not discussing pricing or other policy details.
The time it takes for your adjuster to respond largely hinges on the current demand. If you're informed that your claim is in the hands of a “CAT Team,” this denotes a “Catastrophe Team” — a group of adjusters specifically assigned to your region. Drawing from adjusters nationwide, these teams optimize the claim resolution process, especially when local offices might also have sustained damage. These teams can deploy mobile command centers swiftly to address situations (Refer to Catastrophe Response for more).
Adjusters can be direct employees of your insurance company or independent adjusters (IA) working under a contract. Regardless of their affiliation, their core responsibility remains consistent: to accurately assess storm-inflicted property damage and produce a comprehensive estimate for repair or replacement. After their inspection, you might either receive an instant estimate and accompanying check or, more typically, get the detailed report and initial payment after the adjuster's supervisor has validated their findings.
Actual Cash Value (ACV) Policy: With an ACV policy, you'll receive a singular payment that represents the current value of your damaged items, subtracting any depreciation and deductible. Though the payment is yours, failing to execute the repairs might impact potential coverage in the future. In particular, leaving major damages (e.g., roof or structure) unresolved could threaten the continuation of your policy. State-specific policy endorsements can sometimes surprise policyholders. For instance, in Oklahoma, USAA considers roof surfaces and external fixtures as non-recoverable ACV items, irrespective of the policy type. (Refer to the provided Colorado claim example for context.)
Replacement Cost Value (RCV) Policy: If you're under an RCV policy, you'll receive staged payments. Initially, you'll get an ACV amount, which is the present value of the damaged property minus depreciation and deductible. While you can keep this payment, the caveats mentioned in the ACV policy still apply. Upon repairing the items and incurring the full replacement costs, your insurer will release a second payment known as the "Recoverable Depreciation." It's vital to note that the insurance will only cover the replacement costs once the item has been genuinely repaired or replaced, and the expenses are verifiable. Separate payments may be issued for personal items damaged (like grills or spa covers) or for specific contractor supplemental costs (like permit fees). Under an RCV policy, you should only need to cover your deductible for the replacement of damaged items.
When your property is linked with a lender, any checks from the insurance company will be made payable to both you and your mortgage company. So, what should you do next?
Notify Your Lender: As soon as you file a claim, inform your mortgage company. They will supply you with a package of necessary documents. These may include:
- Conditional lien waiver (for the contractor)
- Repair completion certification
- Declaration of intent to repair
- Release form
- Notarized contractor statement
- Third-party authorization form
At J.R.B. Enterprises, we're experienced with these processes and will guide you through meeting your lender's requirements.
Handling the Initial Check: Once you receive your first insurance settlement check, you'll sign it over to your mortgage company. Along with the check, you'll send in the completed forms, the agreed contract, and the insurance's estimate. Typically, the lender will release one-third of this initial amount. They'll then release subsequent increments based on the project's progress. After the project's completion, they might arrange for an inspection before dispensing the final third of the payment. Remember, this procedure is only for the first insurance payment.
Dealing with Subsequent Payments: For any following amounts released by the insurance company, you'll again need to sign these checks and send them to your mortgage company. Although we'll submit requests for the release of these additional funds, it remains your responsibility to liaise with your lender. This ensures funds are released promptly post-request.
When you're dealing with repairs after a loss, it's crucial to have a clear understanding of the payment process to your contractor. Here's a guideline to ensure smooth transactions:
Aligning Costs with Insurance Estimates: Your repair costs should align with what your insurance company has determined to be fair for your damages. Any discrepancies in pricing should be settled between your contractor and insurance provider before beginning the repairs. However, note that there could be exceptions, like if you've chosen to upgrade certain aspects or if there's extra work outside of what's covered in your claim.
Beware of Scams: Due to the unfortunate presence of scammers targeting victims of disasters, always be cautious about payments. Never release any funds to the contractor until you see the material delivered.
Consider Contractor's Position: It's important to recognize that contractors often fund multiple projects while waiting for payments from insurance and mortgage companies. If there's a bulk delivery of material or a specialized order item, it's reasonable for you to release funds equivalent to that material's value once delivered.
Staged Payments: Make additional payments only upon the completion of each repair phase, like roofing, siding, interior work, painting, gutters, etc. Ensure each payment reflects the appropriate value of the completed work.
By following these guidelines, you ensure a transparent and fair payment process that respects both your interests and those of the contractor.
Navigating the realm of property repairs and insurance claims can be complex. Here's a breakdown of the contract process when working with JRB Enterprises to ensure clarity and confidence:
Preliminary Inspection: Before the insurance adjuster evaluates your property, JRB Enterprises aims to do a thorough inspection, creating a detailed repair scope. This scope encompasses measurements, photos for evidence, the cost of replacing each damaged item, and relevant building codes citations.
Using Standardized Estimating Software: We use the same estimating software that a majority of insurance providers employ. This software includes monthly pricing updates for every city. While we often challenge some of the software's "market prices", using this system makes claim management smoother as it aligns with the insurance carriers' expectations.
Addressing Your Concerns: Every detail, no matter how minor, matters to us. For example, if hail damages your grill, we'll determine the replacement cost and include it in our report. This comprehensive approach saves you the trouble of submitting individual claims and streamlines the entire process.
The Contingency Agreement: Before diving into the repair process, we ask you to sign a contingency agreement with third-party authorization. This is because our comprehensive reports require significant time, effort, and resources. If your insurance provider denies the coverage, the contract becomes void. However, if they approve the damages outlined, the contract ensures we perform the indicated repairs at the established amount. Any discrepancies in the scope of repairs or pricing will be addressed between JRB Enterprises and the insurance carrier. The contract's intent is only for the final replacement cost set by your insurance.
Right to Cancel: Many states, including Colorado, have laws that permit homeowners to cancel a contract within three days of its signing or if the insurance claim is denied. This is a safeguard against undue pressure from door-to-door sales tactics.
Our commitment is to transparency, professionalism, and ensuring that you're well-informed at every stage. Should you have any questions or concerns, always feel free to communicate with us.
Why Multiple Contracts?
Handling property repairs, especially those covered by insurance, can sometimes be a multi-faceted endeavor. To streamline the process, ensure clarity, and facilitate timely payments, JRB Enterprises may divide a large project into multiple contracts. Here's a breakdown of why this approach is beneficial:
Comprehensive Claims: Often, claims might include multiple elements like roofing, siding, gutters, drywall replacement, painting, decking, fencing, and other potential home repairs. Each of these elements can be complex in its own right, requiring different specialists, materials, and timelines.
Expedited Release of Funds: Insurance and mortgage companies typically release payments upon completion of contractual work. By segmenting the project into separate contracts, as each segment is completed, it allows for a quicker release of funds. This is especially crucial when managing large-scale projects where funding is crucial to continue progress.
Addressing Special Orders: Some elements of a repair or replacement might require special order items, such as custom windows, decorative copper, or unique slate. These items can have extended manufacturing or delivery times. By having these items under a separate contract, other segments of the project can be completed without unnecessary delays, awaiting these items.
Streamlining Communication and Clarity: Multiple contracts allow for clearer communication about the status, progress, and expectations for each segment of the project. It provides a clear roadmap for homeowners, contractors, and insurance adjusters alike.
Simplifying Adjustments: If changes or adjustments are needed in one area of the project, having separate contracts makes it easier to address without affecting the terms, timelines, or budgets of other segments.
At JRB Enterprises, our goal is to ensure your repairs are done efficiently, effectively, and with minimal stress. Multiple contracts is one strategy we employ to achieve that goal, always ensuring transparency and clarity at every stage.
What Does Your Deductible Mean?
Your deductible is the amount you are responsible for paying out-of-pocket when you file an insurance claim. The deductible is deducted from the insurance payment, and the rest is what the insurance company pays towards your claim.
Actual Cash Value (ACV) Policy:
Under an ACV policy, the payment from your insurance will be the depreciated value minus your deductible.
If minor repairs are needed, consider getting them done in the off-season. After significant storm damage, labor and material costs can skyrocket due to high demand.
Many contractors will not provide competitive bids when overwhelmed with insurance claims.
Replacement Cost Value (RCV) Policy:
If you hold an RCV policy, your insurance payment will initially be the depreciated value of the damage minus your deductible.
You have the chance to recover the depreciation but only if you incur the expense.
Suppose the initial claim is $10,000 with a depreciation of $2,000. This means the ACV value is $8,000. Subtracting a $1,000 deductible, you would get an initial payment of $7,000.
If you receive a contractor's bill of $10,000 for the repairs, your insurance would then release the full $2,000 depreciation.
Not utilizing the full depreciated amounts might impact future claims and bids.
Rebates and Deductibles:
If a contractor offers a rebate on your deductible and bills less than the claim, the insurance will subtract your deductible from the billed amount, not the total claim.
Some contractors offer "sign advertising agreements" to offset deductibles. However, several states are banning this practice.
Deducting any amount from the total without issuing a 1099 (for amounts over $600) or not informing the insurance company can lead to legal repercussions.
As an alternative, JRB Enterprises compensates customers for offering qualified referrals without affecting claim amounts.
Insurance companies utilize specialized software tailored to regional price lists to deduce the market value of labor and materials. This standard practice ensures that claims are calculated based on the prevailing market rate. As a result, when you're dealing with an insurance claim, the primary factors for selecting a contractor should be quality, warranties, and workmanship rather than solely focusing on cost. Here's a breakdown of why this is crucial:
The Reality of Insurance “Inspections” vs. “Bids”:
Contractors typically offer free insurance “inspections,” not “competitive bids.”
Price-shopping isn't generally the main concern with insurance claims.
Contractors bear the burden of financing projects and waiting several months for payments, on top of adhering to insurance and mortgage documentation requirements.
Consequently, it's not feasible for contractors to take on such responsibilities and offer rates below the market value.
The Dangers of Low-Ball Estimates:
Some contractors provide a considerably low estimate, only to have homeowners sign a contract based on insurance proceeds.
This bait-and-switch tactic can bind homeowners to a contract that doesn’t reflect the true market value of the services.
The Ripple Effect of Underpricing:
Offering competitive bids below market value can distort market conditions, negatively affecting homeowners.
Post-catastrophe, roofing crews generally expect a pay raise due to increased labor demands, and material prices tend to rise.
Providing an estimate before accounting for these adjustments can be detrimental to market stability.
An Illustrative Example: Norfolk, NE:
A rural town, Norfolk's roofing prices were determined to be 36% lower than Omaha, despite having higher material costs and additional charges to procure materials and labor from the larger city.
The skewed pricing led to delays in projects and attrition among adjusters.
Many contractors avoided the area, leading to delayed and incomplete repairs for many residents.
In Conclusion: Misrepresentation of market conditions can lead to undesired consequences. It's essential to approach insurance claims with a comprehensive understanding of the current market and to prioritize quality over mere cost.
Warranties play a crucial role in the construction and repair industry, acting as a testament to a contractor's commitment to quality work and trustworthiness. Here's a deeper dive into what warranties mean in this context:
The True Essence of Warranties:
A warranty goes beyond the written words; it is a reflection of a company's dedication to uphold its reputation.
A warranty's real value lies in the company's responsiveness and approach to addressing and rectifying issues or oversights.
JRB Enterprises' Commitment:
At JRB Enterprises, our commitment doesn't end after project completion. We remain available to address any concerns or issues that may arise post-completion.
Manufacturer "Limited Lifetime Warranties":
While many manufacturers offer "limited lifetime warranties," it's crucial to understand their scope and limitations.
These warranties often have numerous exclusions, which may render the warranty void under specific circumstances.
The actual lifespan of a product often intersects with other factors, such as a new storm, property sale, or the property owner's life events, long before a material might fail.
Industry Standards and Practical Implications:
A 2-year labor warranty is the industry standard, and most workmanship issues usually come to light after the first major storm post-installation.
Problems or leaks occurring a year or more post-installation are often due to external factors rather than the initial workmanship.
Extended warranties may sound appealing, but they can impact a contractor's financial standing as they're treated as active liabilities.
Conclusion: While warranties offer a sense of assurance, it's essential to understand their depth and limitations. Always opt for contractors like JRB Enterprises, where the commitment to quality and customer satisfaction goes beyond mere words on paper.