Frequently asked questions

Roofing and exterior questions, answered straight

71 answers from 35 years of roofs, siding, windows and the storms in between, written the way we answer them at the kitchen table. Cost, repair or replace, insurance, warranties, financing and what to expect on the day. If your question is not here, call and a person will answer it.

  • 71questions answered, in 12 topics
  • 24/7a person answers the phone
  • Freeinspection and written proposal
  • 35+years of answers, since 1990
Chuck Anania explaining how Roof4Roof decides between repair, maintenance and replacement
Watch: repair, maintenance or replacement, how we decide
  • Exterior Services Since 1990
  • 30M+ sq ft of Roofing & Exteriors Installed
  • 25,000+ Satisfied Clients
  • A Legacy of Giving: $1.5M+ Donated
Estimates and first steps

Estimates and first steps

What happens between your first call and a written proposal.

01

Is the estimate really free, and what does it include?

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Yes, for homeowners and for commercial owners alike. A Roof4Roof estimate is an inspection, not a sales visit: a 40-point walk of the roof and the attic, drone or satellite imagery where the roof cannot be walked, infrared moisture detection where water is suspected, and a written proposal with photos of every finding. You see what we see before anyone talks price. What the inspection covers.

02

How fast can someone come out?

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Estimates are usually scheduled within a few days, emergencies the same day in most cases and always within 48 hours. The office answers 24 hours a day at (201) 267-3000; a person picks up, not a machine.

03

Do I need to be home for the inspection?

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For a roof-only inspection, no: we can walk the roof and photograph it, then go through the report with you by phone or in person. For siding, windows, chimneys and anything that needs the attic or the interior, yes, because we want to see where the water is showing up inside.

04

How long is the proposal valid?

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The proposal stands as long as the roof is in the condition we documented. Material prices move, so a proposal older than a season is re-checked before you sign, and we tell you if anything has changed. There is no pressure and no expiring discount.

05

Do you give estimates over the phone or from satellite photos only?

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We will give a rough range on the phone so you know what you are dealing with, but a real proposal needs eyes on the roof. Satellite measurements get the square footage right; they do not show soft decking, failed flashing or wet insulation, which is where the real cost sits.

06

Will you beat another contractor's written estimate?

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Yes, with the same scope of work, the same materials and the same warranty, from a licensed and insured contractor. Bring us the proposal; we go through it line by line and either beat it or show you exactly where the two differ. How to compare contractors.

Cost and pricing

Cost and pricing

What drives the number on a New Jersey roofing proposal, and what does not.

07

How much does a roof replacement cost in New Jersey?

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Most asphalt shingle replacements on a single-family home in North and Central Jersey fall between the low and high five figures. The spread comes from roof size and pitch, how many layers come off, how much decking needs replacing, the shingle system and the warranty package. Flat, slate and tile roofs price differently. Our cost guide walks through each factor.

08

Why do estimates for the same roof differ so much?

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Because the roofs being quoted are not the same. One proposal includes tear-off, ice and water shield, new flashing, deck repairs, a registered manufacturer warranty and insurance; another skips several of those and looks cheaper. Compare the scope line by line before comparing the price; a quote on a business card tells you a number, not what you get.

09

What does a roof repair cost?

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Most repairs, a flashing leak, a few wind-lifted shingles, a pipe boot, a small flat-roof seam, fall in the low hundreds to low thousands depending on access and how much has to come apart to fix it properly. We quote repairs in writing after a daylight inspection, and we quote both repair and replacement when the roof is near the line. Shingle roof repair.

10

Is a roof coating cheaper than a new flat roof?

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Usually a third to a half of the cost of replacement, because there is no tear-off, no disposal and no new insulation. When more than about a quarter of the insulation underneath is wet, replacement becomes the better investment and we quote that instead. Roof coating systems.

11

Is there sales tax on roofing work in New Jersey?

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Work that qualifies as a capital improvement under New Jersey law, which includes most roof replacements and permanent exterior improvements, is exempt from sales tax on the labor. Repairs and maintenance are generally taxable. Your proposal shows which applies; we handle the capital improvement certificate with you.

12

Do you charge for emergency visits?

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The call-out is quoted on the phone before we dispatch and covers the crew, the truck and the materials to make the roof watertight. The permanent repair is quoted separately, in writing, after a daylight inspection. Emergency roof repair.

Financing and payment

Financing and payment

Paying for the work without waiting for the right month.

13

Do you offer financing?

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Yes. 100% financing on approved credit for qualified homeowners through Service Finance Company, LLC: 12 months no interest and no payments (same as cash), 18 months deferred interest, and fixed-rate loans over 10 or 15 years. Most people apply on their phone while the estimator is still on site. Financing plans and how to apply.

14

What payment methods do you accept?

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More than ten: all major credit and debit cards, Zelle, PayPal, Cash App, check, cash, bank transfer and ACH, financing, and direct payment from your insurer on covered claims. Deposits and balances can be split across methods.

15

When do I pay?

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A typical residential job is a deposit at signing and the balance on completion, after the closeout inspection. Larger and commercial projects are billed in stages tied to milestones, never ahead of the work. On financed projects the lender pays us when the job is done.

16

Can commercial projects and HOAs be financed?

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The Service Finance programs are for homeowners. For buildings, boards and congregations we work the budget from the other side: restoration instead of replacement where the roof allows it, work phased across budget years, and progress billing with the documentation reserve-fund approvals need. Commercial payment options.

Repair, restore or replace

Repair, restore or replace

The decision that saves or costs the most money.

17

How do I know whether my roof needs a repair or a replacement?

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Localized damage on a roof under about 15 years old is a repair. Widespread curling, granule loss down to the mat, soft decking, or repeated leaks in different places point to replacement. Our inspection report tells you which, with photos, and when the roof is near the line we quote both so you can decide. Shingle roofs.

18

What are the signs my roof is at the end of its life?

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Shingles curling, cupping or cracking across large areas; granules piling up in the gutters; daylight or soft spots in the attic; water stains that keep moving; a roof that is 20 to 25 years old on its second layer. One of these is worth a look; several together usually mean replacement within a year or two.

19

Should a flat roof be repaired, restored or replaced?

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It depends on the membrane's condition, how much wet insulation is underneath and how long you plan to hold the building. If the deck is sound and the insulation mostly dry, a fluid-applied restoration usually costs less than half of replacement and adds 20 to 50 warranted years. We confirm with a moisture scan and core samples before recommending either. Flat roofs.

20

Do most roofers recommend replacement too quickly?

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Replacement is the bigger ticket, so many do. Our own figures say repair or restoration is the right answer for most of the flat roofs we are asked to replace. We put the reasoning in the report, and if a repair is all you need, a repair is all we recommend.

21

Can an old shingle roof be rejuvenated instead of replaced?

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If it is between about ten and twenty years old with its granules intact, yes. A rejuvenation treatment restores the oils the asphalt has lost so the shingles flex instead of cracking, and buys several years. It will not fix a roof that is already curling or bald. Shingle rejuvenation.

22

Do I have to replace my slate or tile roof?

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Almost never. Slate fails piece by piece and at the flashings; the field is usually sound for a century or more. We replace broken pieces with matched slate, rebuild the flashings in copper and restore the roof rather than tearing it off. Slate and tile roofs.

Shingle roofs

Shingle roofs

Replacement, materials and what to expect on the day.

23

How long does a shingle roof replacement take?

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Most single-family roofs in North and Central Jersey take one to three days depending on size, pitch and weather. We tear off, inspect and repair the deck and dry-in the same day, so the house is never left open overnight. Roof replacement, step by step.

24

Do you remove the old shingles or roof over them?

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We always tear off. A second layer hides rotten decking, adds weight, traps heat and voids most manufacturer warranties. Tear-off is the only way to inspect the deck and install ice and water shield properly, and it is what every warranty package we sell is built on.

25

Which shingle is best for New Jersey weather?

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Architectural shingles with high wind ratings: GAF Timberline HDZ, Owens Corning Duration, CertainTeed Landmark, TAMKO Titan XT and Atlas Pinnacle all handle Northeast winters well. Algae-resistant granules matter in our humidity, and ventilation matters as much as the shingle. We bring sample boards and can show you finished roofs nearby in the colour you are considering.

26

How long does a new shingle roof last?

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Twenty-five to thirty years for a quality architectural shingle installed with proper ventilation, longer for premium lines. Every shingle package carries a lifetime manufacturer material warranty, registered in your name when we install as a certified contractor.

27

Is a roof replacement noisy, and do I need to leave the house?

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Tear-off and nailing are loud for a day or two. You do not need to leave, but pets and anyone working from home may prefer to. We confirm the schedule the day before, protect landscaping and driveways, and sweep for nails with magnets every evening.

28

Will a new roof lower my energy bills?

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Somewhat, and mostly through ventilation. A replacement is the right time to fix intake and ridge venting, which cuts attic heat in summer and ice dams in winter. Reflective ENERGY STAR shingles help on sun-facing slopes. The bigger savings usually come from attic insulation, which we can do at the same time. Insulation and radiant barrier.

Flat roofs, commercial roofs and coatings

Flat roofs, commercial roofs and coatings

For homes with flat sections and for every kind of building.

29

Are flat roofs more prone to leaks than pitched roofs?

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Only when they are badly detailed or never maintained. Water leaves a flat roof slowly, so a clogged drain or an open seam matters more than on a pitched roof. A properly sloped, properly flashed membrane that is inspected twice a year lasts as long as any shingle roof.

30

How long does a flat roof last?

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Fifteen to thirty years depending on the system, the installation and the maintenance. EPDM, TPO and PVC sit at the top of that range, modified bitumen and built-up roofs a little lower. A restoration coating adds 20 to 50 warranted years at the end, which is why we inspect before anyone talks about tearing off.

31

What is a roof coating system?

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A fluid-applied membrane, usually silicone or acrylic, installed over an existing roof after it has been cleaned and every seam, flashing and wet spot has been repaired. It cures into a seamless, reflective, waterproof layer with its own manufacturer warranty of 20 or 50 years depending on the package, and at the end of the term it is recoated rather than replaced. Coating systems we install.

32

Can my flat roof be coated instead of replaced?

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If the deck is sound and the insulation is dry, usually yes. We confirm with an infrared moisture scan and core samples; wet areas are cut out and replaced, every detail is repaired, then the system goes on with the manufacturer's warranty registered in your name. A coating is not a cover-up: a saturated roof gets a replacement quote, not a coating.

33

Will a white coating really lower cooling costs?

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A reflective coating keeps the roof surface far cooler in summer than a black membrane, which reduces heat gain through the deck and the load on air conditioning. Manufacturers and our commercial clients report double-digit savings on cooling; the exact figure depends on the building's insulation and use.

34

Will roofing work disrupt my tenants or my business?

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We plan for it not to. Sections are phased, entrances are protected, noisy work is scheduled around your hours, tenants get notices, and the roof is closed watertight every evening. Property managers get a photo report after each day. How we work with property managers.

35

Do you work on flat roofs in winter?

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Yes. Repairs and emergency work run all year, and membranes can be installed in cold weather with the right adhesives and welding settings. Coatings need the temperatures the manufacturer specifies, so restoration jobs are scheduled for the right season and the leaks are handled in the meantime.

Storms, leaks, emergencies and insurance

Storms, leaks, emergencies and insurance

What to do when water is coming in, and how claims actually work.

36

What should I do if my roof is leaking right now?

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Catch the water inside, move valuables, photograph the damage and call (201) 267-3000. Do not go up on a wet roof. We tarp or dry-in the same day in most cases, then inspect in daylight and quote the permanent repair in writing. Emergency roof repair.

37

What counts as a roofing emergency?

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Anything that puts the inside of the building at risk right now: water actively coming in, decking exposed after wind, a tree or debris on the roof, an ice dam with water in the walls, a sagging ceiling. A dry stain or a missing shingle on a sunny day is urgent but not an emergency, and we schedule it within days.

38

Will my homeowner's insurance cover a new roof?

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Sudden damage from wind, hail, fallen trees and ice is usually covered; gradual wear, neglect and old flashing usually are not, and some carriers will not cover roofs past a certain age. We document the cause with photos and a written report so the claim is clear, and we meet the adjuster on the roof if the carrier sends one.

39

Do I have to use the roofer my insurance company suggests?

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No. You choose your contractor. A preferred-vendor list is a suggestion, not a condition of the policy. We work for you, write what we find, and invoice the insurer directly for the covered scope while you pay the deductible and any upgrades the way you prefer.

40

Can you find a leak that only shows up sometimes?

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Yes. Intermittent leaks are usually wind-driven rain at a flashing, condensation, or ice dams in winter. We inspect from the attic side, use infrared moisture scanning where needed and water-test when the source is not obvious. The report shows the path the water is taking.

41

What is an ice dam, and how do I prevent one?

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A ridge of ice at the eave that forms when heat escaping the attic melts snow higher up; the meltwater refreezes at the cold edge and backs up under the shingles. The fix is attic insulation and ventilation plus ice and water shield at the eaves, not heat cables. In an emergency we open the dam with steam so the shingles are not damaged.

42

How do I avoid the next emergency?

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A yearly inspection and a maintenance plan catch the loose flashing, the clogged drain and the lifted shingle before the storm does. Most of the emergencies we see were visible months earlier. Inspections and maintenance plans.

Warranties, licensing and certifications

Warranties, licensing and certifications

What is actually guaranteed, by whom, and for how long.

43

What warranty comes with a new roof?

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Two warranties: the manufacturer's material warranty, registered in your name (lifetime on shingle packages, 15 to 40 years on flat roof systems, up to 50 years on coatings); and Roof4Roof's own workmanship warranty, double the industry standard, which grows with the Gold, Platinum and Diamond packages. Both are written into the proposal before you sign.

44

What is the difference between a manufacturer warranty and a workmanship warranty?

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The manufacturer warrants the materials and, on full-system installations by a certified contractor, the labor to fix a failure. The contractor warrants the installation. A workmanship warranty is only as good as the company still answering the phone, which is why years in business belongs on your checklist. Compare contractors.

45

If something goes wrong after the job, will you come back?

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Yes. That is the point of the workmanship warranty: if the roof develops a problem that is down to our installation, we service and repair it at no cost for the length of the warranty. Storm damage is handled as a new claim, with the same documentation we provide for any insurance claim.

46

Are you licensed and insured?

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Yes. New Jersey home improvement contractor license #13VH13562200, general liability of at least $1 million, workers' compensation for every crew member, and an umbrella policy above both. A certificate of insurance is issued for your property before the first day. Licenses and certifications.

47

What does it mean that you are a certified installer?

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That the manufacturer has screened the company, trained the crews on its system and authorized us to install it and register its full warranty. GAF Certified Plus, CertainTeed Select ShingleMaster, Owens Corning Platinum Preferred, TAMKO MasterCraft Pro, Firestone Elevate Master Contractor, Johns Manville Peak Advantage, and Henry, Karnak, GE and APOC on coatings. Fewer than one roofer in a hundred holds the top tiers.

48

Does the warranty transfer if I sell the house?

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Many manufacturer system warranties allow one transfer to a new owner within a set period, often with a small fee and notice to the manufacturer. We tell you the rule for your system at the time of sale and help with the paperwork; it is a real selling point in a listing.

49

Can a warranty be voided?

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Yes: by an uncertified installation, by mixing components from different makers in a system warranty, or, on commercial roofs, by skipping the documented inspections most warranties require. We register the warranty, keep the file, and our maintenance plans produce the inspection record that keeps it valid.

During the job

During the job

Crews, supervision, clean-up and what your days look like.

50

Who will be on my roof?

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Roof4Roof crews, trained and certified on the systems they install, under a foreman, a project manager and the owner, three layers of supervision with video quality checks during the day. We do not hand your roof to a subcontractor you have never met.

51

Do you get the permits?

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Yes. We pull the building permit where the municipality requires one, schedule the inspections and close the permit out. The permit fee is on the proposal so there is nothing hidden, and the closed permit becomes part of your home's records.

52

Do you clean up?

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Every day: rakes, blowers and a magnetic sweep for nails across the lawn, beds and driveway. A dumpster is on site for the tear-off and removed when the job is done. We still suggest a walk-around a day or two later; if you find anything we missed, we come back for it.

53

What happens to my gutters, skylights, chimney and satellite dish?

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Gutters are protected or removed and re-hung; skylights and chimneys get new flashing as part of the job, and we tell you if a skylight is at the end of its life and worth replacing while the roof is open. Satellite dishes are reset and realigned at the end.

54

What if it rains during the project?

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We watch the forecast and only open as much roof as we can close the same day. If weather moves in, the exposed deck is dried-in with underlayment and tarps before the crew leaves. Your house is never left open overnight.

55

Can I live in the house during siding or window work?

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Yes. Siding is done wall by wall and each wall is wrapped the day it is stripped. Windows are finished and sealed the same day each opening is made, usually a whole house in one or two days. We tell you which rooms we need on which day.

Siding, windows and doors

Siding, windows and doors

The rest of the exterior, through our own Window Depot USA store.

56

Which siding is best for a New Jersey home?

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For most houses, insulated vinyl (our Platinum package): Mastic double-insulated panels add real R-value to walls that often have none, never need painting and handle freeze-thaw. Traditional Mastic vinyl (Gold) gives a carved-wood look at a lower cost. Fiber cement and cedar are quoted on request. Siding.

57

How do I know my windows need replacing?

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Drafts you can feel, condensation or fog between the panes, sashes that stick or will not stay up, soft or rotting frames, and rooms that are cold near the glass. Any one is worth a free inspection; two or more usually mean replacement pays for itself in comfort and heating. Windows.

58

Is triple-pane glass worth it in New Jersey?

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From old or single-pane windows the difference is dramatic: less heat loss, no drafts, dry sills and much less noise. From good modern double-pane the savings are incremental but the comfort and quiet are real. Compare whole-window U-factor, solar heat gain and air leakage ratings, never centre-of-glass figures.

59

Fiberglass or steel entry door?

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Fiberglass for most homes: it does not dent, rust or conduct cold, and takes a wood-grain finish. Steel where security or budget leads, with a thermal break and a good finish. Both come through our Window Depot USA store with ProVia's lifetime limited warranty. Entry doors.

60

Can siding, windows and a roof be done in one project?

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Yes, and it is usually cheaper and cleaner that way: one crew sequence, one set of flashings, one financing application. Roof first, then windows and doors, then siding and trim, so every layer laps over the one below it.

Chimneys, gutters, skylights and masonry

Chimneys, gutters, skylights and masonry

The parts of the roof that cause most of the leaks.

61

How often should a chimney be inspected?

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Once a year, before the heating season, which is what the National Fire Protection Association recommends. Crumbling mortar, white staining, a rusted damper or pieces of clay tile in the firebox mean it should not wait. Chimney repair and repointing.

62

Are gutter guards worth it?

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Under trees, yes: they save the twice-a-year cleaning, keep water moving and keep ladders off the house. Which guard depends on the debris: a solid cover such as Gutter Helmet for leaves, micromesh for pine needles and seeds. Elsewhere, seamless gutters cleaned twice a year are enough. Gutters and guards.

63

Do skylights leak?

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Badly installed ones do. A skylight set with the manufacturer's flashing kit, ice and water shield and the shingles lapped correctly does not leak for the life of the unit. Most leaks we see are flashing that was skipped or caulked instead of cut in. Skylights.

64

What is tuck pointing, and when does brick need it?

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Grinding out deteriorated mortar joints and refilling them with matched mortar. When joints are recessed, crumbling or letting water through, repointing restores the wall's strength and keeps water out of the brick. Done with a breathable sealer it is the standard maintenance for ageing masonry. Tuck pointing and waterproofing.

65

Can you fix stucco that is cracking or staining?

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Yes. Hairline cracks and staining are usually moisture getting behind the finish at a window, a roofline or a flashing. We find the entry point, repair it, then patch or re-coat the stucco so the repair disappears. Stucco and brick.

About Roof4Roof

About Roof4Roof

Who we are, where we work and why every roof gives back.

66

How long has Roof4Roof been in business?

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Since 1990, under the same founder, Chuck Anania, from the same office on Route 17 in Carlstadt. More than 35 years, 25,000 clients and 30 million square feet of roofing and exteriors. Our story.

67

Where do you work?

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Homes across North and Central New Jersey: Bergen, Hudson, Essex, Passaic, Morris, Union, Middlesex, Somerset, Hunterdon and Sussex counties, every town. Commercial, multi-family, church and institutional buildings across the whole of New Jersey. Service areas, county by county.

68

Do you do commercial work, or only homes?

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Both. Roof4Roof handles homes; our 1Call Restore line handles commercial, industrial, institutional and multi-family buildings with the same crews, supervision and certifications. Proposals and contracts are issued under the Roof4Roof name. Commercial roofing.

69

Are your reviews real?

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Yes, every one. They live on Google, Yelp, HomeAdvisor, Angi and Facebook, platforms that verify the reviewer, which is why we point you there instead of hosting our own form. Many clients are happy to speak with you directly about their experience. Read the reviews.

70

How does the One4One giving program work?

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A share of the profit from every completed project funds roof repairs and rebuilds for families in need in New Jersey and abroad. Since 2010 that has added up to more than $1.5 million donated and 1,300 families helped. You do not pay extra; it is built into how the company runs. Giving back.

71

Do you offer maintenance plans?

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Yes, for homes and for buildings: scheduled inspections on the 40-point checklist, gutters and drains cleared, small resealing, a written photo report after every visit and the compliance log that keeps manufacturer and coating warranties valid. Quarterly, semi-annual or annual. Maintenance plans.

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A free inspection answers the questions that matter for your house or building, in writing, with photos. Or just call; a person picks up around the clock.