How to choose your roofing contractor: Missouri Edition Vol .2
Hello out there Missouri! My name is Thomas McCormack from M5 Contracting & Storm Restoration back with another edition of our roofing blog dedicated to helping Missouri homeowners better understand their roofing systems.
Today's blog is important so lets not waste any further time and take a deep dive into how you should go about choosing a roofing contractor you can trust in Missouri.
Local Expertise Matters:
Local expertise is a critical factor when choosing a roofing contractor in Missouri, primarily due to the state's diverse and sometimes challenging climate. The Show-Me State experiences a wide range of weather conditions, including heavy rains, hailstorms, and occasional tornadoes. Here's a deeper exploration of why local expertise matters when it comes to roofing in Missouri:
1. Understanding Missouri's Weather Challenges:
Missouri's climate can be unpredictable and varies across regions. From the humid subtropical climate in the southern part of the state to the more continental climate in the north, roofing contractors must be well-versed in the unique challenges each area presents. Heavy rains can lead to water damage, hailstorms can cause significant roof impact, and occasional tornadoes demand specific structural considerations. Local contractors, intimately familiar with these weather patterns, can tailor their services to address these specific challenges effectively.
2. Knowledge of Building Codes and Regulations:
Building codes and regulations can vary from state to state and even from one municipality to another. Local roofing contractors in Missouri are well-versed in the specific codes and regulations that govern construction and roofing in the state. This ensures that the roofing project not only meets aesthetic and functional expectations but also complies with all legal requirements. Hiring a contractor unfamiliar with Missouri's regulations could lead to costly mistakes and potential legal issues down the line.
3. Materials Suited to Missouri's Climate:
Local roofing contractors are knowledgeable about the best materials that can withstand Missouri's climate conditions. Whether it's choosing shingles with high wind resistance, impact-resistant materials to combat hail damage, or roofing materials designed to withstand prolonged exposure to humidity, a local contractor will be able to recommend and install materials that are specifically suited to the unique challenges posed by Missouri's weather.
4. Quick Response to Weather-Related Emergencies:
Missouri's weather can be severe at times, leading to sudden roofing emergencies such as leaks or structural damage. Local contractors, with their proximity, can provide quicker response times in the event of such emergencies. They understand the urgency of addressing weather-related issues promptly to prevent further damage to the home, showcasing the advantage of having a roofing professional who is familiar with the local climate and can respond swiftly to weather-induced problems.
5. Community Reputation and Trust:
A local roofing contractor is likely to have a well-established presence in the community. Their reputation is built on a history of successfully navigating and overcoming the challenges presented by Missouri's climate. Homeowners can rely on the testimonials and experiences of neighbors, friends, or other community members who have worked with the contractor in the past. This local reputation adds an extra layer of trust and confidence in the contractor's ability to handle Missouri-specific roofing issues.
In essence, when it comes to roofing in Missouri, local expertise goes beyond just technical know-how. It encompasses an understanding of the climate, adherence to regulations, knowledge of suitable materials, and a commitment to serving the community effectively. Choosing a roofing contractor with local expertise ensures not only a roof that looks good but one that stands resilient against the dynamic weather conditions of the state.
Check Credentials and Insurance
Checking a roofing contractor's credentials and insurance coverage is a fundamental step in ensuring a successful and secure roofing project. Here's a detailed exploration of why these aspects are crucial and what homeowners should look for:
- License and Certifications:
- Legal Compliance: One of the first things homeowners should verify is whether the roofing contractor is licensed to operate in Missouri. A valid license demonstrates that the contractor has met the state's requirements and is legally authorized to perform roofing work in the area.
- Certifications and Training: In addition to a license, certifications from industry organizations or manufacturers can indicate a contractor's commitment to professionalism and ongoing training. Certifications in specific roofing systems or materials may also assure homeowners that the contractor has specialized expertise.
2. Importance of Insurance:
- Contractor's Liability Insurance:
- Protection for Accidents: Roofing projects can be inherently risky, with the potential for accidents or injuries. Ensuring that the contractor has liability insurance provides protection in case a worker is injured on the job.
- Coverage for Property Damage: Liability insurance also covers damage that the contractor might accidentally cause to the homeowner's property during the roofing project. This includes issues like accidental falls, damage to landscaping, or other property structures.
- Worker's Compensation:
- Financial Protection for Workers: It's crucial for the roofing contractor to have worker's compensation insurance. This coverage ensures that workers are financially protected in case of injuries or health issues related to their work on the roofing project.
3. Homeowner Protection:
- Insurance for Property Owners: Homeowners should understand that their own homeowner's insurance might not cover damages caused by a roofing project. This makes it imperative for the roofing contractor to carry insurance that specifically covers potential damages to the homeowner's property during the construction process.
4. Tips for Evaluating Insurance Coverage:
- Verify Insurance Certificates: Ask the contractor for copies of their insurance certificates. Ensure that the coverage is current and that it meets the necessary requirements for both liability and worker's compensation insurance.
- Policy Limits: Check the policy limits to ensure they are sufficient to cover potential damages. Inadequate coverage could leave both the contractor and the homeowner exposed to financial risks.
- Duration of Coverage: Ensure that the insurance coverage is in effect for the entire duration of the roofing project. A lapse in coverage during the project could lead to complications in case of an incident.
5. Professionalism and Responsibility:
- Commitment to Professionalism: A roofing contractor with proper credentials and insurance demonstrates a commitment to professionalism and ethical business practices. It reflects a sense of responsibility and accountability, which are essential qualities for a reliable contractor.
- Red Flags to Watch for: Lack of a valid license, reluctance to provide insurance information, or insufficient coverage can be red flags. Homeowners should be wary of contractors who do not meet these basic requirements.
In conclusion, checking a roofing contractor's credentials and insurance coverage is about safeguarding both the homeowner and the contractor throughout the roofing project. It ensures legal compliance, financial protection, and overall peace of mind, making it a crucial step in the process of selecting a trustworthy and reliable roofing professional.
Customer Reviews and Local Reputation:
In the digital age, the power of customer reviews and testimonials has become paramount in influencing consumers' decisions, and this holds true for selecting a roofing contractor. Here's a detailed exploration of the significance of customer reviews and how homeowners can effectively use them to gauge a roofing contractor's reputation:
1. The Impact of Customer Reviews:
- Trust and Credibility: Positive customer reviews and testimonials contribute significantly to building trust and credibility for a roofing contractor. In an era where information is readily available online, potential clients often turn to the experiences of previous customers to assess a contractor's reliability.
- Word of Mouth Goes Digital: Customer reviews essentially represent the modern-day "word of mouth." They provide insights into the quality of service, professionalism, and overall satisfaction that homeowners have experienced with a particular roofing contractor.
2. Exploring Online Platforms and Local Forums:
- Diverse Perspectives: Homeowners should explore various online platforms such as Google Reviews, Yelp, or the contractor's website to gather diverse perspectives. Additionally, participating in local community forums can provide valuable insights, as these platforms often feature discussions about local businesses, including roofing contractors
- Social Media Presence: Many contractors maintain a social media presence where customers may share their experiences. Platforms like Facebook, Instagram, or Twitter can offer additional reviews and a glimpse into the contractor's recent projects.
3. Indicators of Reliability and Quality:
- Consistent Positive Feedback: A high number of positive reviews is a strong indicator of a contractor's reliability and quality of work. Consistency in positive feedback across different projects and timeframes suggests that the contractor consistently meets or exceeds customer expectations.
- Specific Praise for Services: Look for reviews that specifically praise the contractor's communication, timeliness, craftsmanship, and problem-solving abilities. This detailed feedback gives homeowners a more nuanced understanding of the contractor's strengths.
4. Navigating Negative Reviews:
- Context Matters: Negative reviews should not be immediately disqualifying. Instead, read them carefully to understand the context. Sometimes, issues arise due to misunderstandings, miscommunications, or unique circumstances. Contractors who respond professionally and address concerns demonstrate a commitment to customer satisfaction.
- Learn from Mistakes: Assess whether the contractor has responded to negative feedback constructively. A contractor willing to acknowledge and rectify mistakes, as opposed to dismissing or ignoring concerns, can be a positive sign of their commitment to customer service.
5. Seeking Referrals and Recommendations:
- Word of Mouth Offline: In addition to online reviews, seek referrals and recommendations from friends, family, or neighbors who have had positive experiences with local roofing contractors. Personal recommendations can complement online reviews, providing a well-rounded view of the contractor's reputation.
6. Review Response and Engagement:
- Active Engagement: Contractors who actively engage with customer reviews, whether positive or negative, demonstrate transparency and a commitment to customer satisfaction. Responses to reviews can provide additional context and insights into how the contractor addresses feedback.
In conclusion, customer reviews and local reputation are invaluable tools for homeowners looking to hire a roofing contractor. By thoroughly exploring online platforms, understanding the context of reviews, and seeking recommendations, homeowners can make informed decisions based on the experiences of others. The goal is not only to find a contractor with positive reviews but also to identify one that aligns with the homeowner's specific needs and expectations.
Quality Materials and Warranties:
Choosing high-quality roofing materials is a crucial aspect of ensuring the longevity and durability of your roof. Here's a detailed exploration of why quality materials matter, how to inquire about them, and the significance of warranties in the roofing industry:
1. Importance of High-Quality Roofing Materials:
- Longevity and Durability: Quality roofing materials are designed to withstand the elements and provide long-lasting protection for your home. They resist wear and tear, ensuring the roof's durability over the years.
- Resistance to Weather Elements: Premium materials offer better resistance to harsh weather conditions, including heavy rain, wind, hail, and UV exposure. This resistance is essential for maintaining the structural integrity of the roof.
2. Guiding Readers on Material Inquiries:
- Researching Material Options: Encourage readers to research different roofing materials and their characteristics. This includes asphalt shingles, metal roofing, tile, and more. Each material has its own set of advantages and considerations, and homeowners should choose based on their specific needs, budget, and climate considerations.
- Inquiring About Material Specifications: When consulting with roofing contractors, guide readers to ask specific questions about the materials that will be used in their project. This includes understanding the thickness, composition, and any special coatings or treatments that enhance the material's performance.
3. Benefits of Investing in Premium Products:
- Enhanced Performance: Premium roofing materials often come with advanced technologies and features that enhance their performance. This can include improved resistance to algae, mold, and discoloration, as well as enhanced energy efficiency.
- Aesthetic Appeal: High-quality materials may offer a wider range of styles, colors, and textures, allowing homeowners to achieve the desired aesthetic for their homes.
4. Significance of Warranties:
- Confidence in Workmanship: A strong warranty from a roofing contractor reflects their confidence in the quality of their workmanship. Contractors who stand by their work with a comprehensive warranty are more likely to deliver a high-quality roofing installation.
- Protecting Homeowners: Warranties provide homeowners with peace of mind. In the event of unexpected issues or defects in materials or workmanship, a solid warranty ensures that repairs or replacements are covered, reducing the financial burden on the homeowner.
5. Educating Readers on Material Warranties:
- Understanding Coverage Periods: Material warranties vary in terms of coverage periods. Help readers understand the duration of coverage provided for different roofing materials and components.
- Transferability: Some warranties are transferable to subsequent homeowners, adding value to the property. Discuss the importance of transferable warranties, especially for homeowners considering selling their homes in the future.
- Exclusions and Conditions: Educate readers about the exclusions and conditions outlined in warranties. It's crucial to understand what is and isn't covered to avoid potential misunderstandings.
6. Choosing Contractors with Strong Warranties:
- Evaluating Contractor Warranties: Advise readers to carefully review the warranties offered by different contractors. A contractor who provides a strong warranty demonstrates their commitment to customer satisfaction and the durability of their work.
- Checking Manufacturer Warranties: In addition to the contractor's warranty, homeowners should check the warranties provided by the manufacturers of the roofing materials. Understanding both warranties ensures comprehensive coverage.
In summary, the quality of roofing materials significantly impacts the performance and lifespan of a roof. By guiding readers on material inquiries, emphasizing the benefits of premium products, and educating them on warranties, homeowners can make informed decisions that lead to a resilient and long-lasting roof for their homes.
Local References and Past Projects:
When considering roofing contractors for your project, it is highly advisable to delve into their local references and past projects. This process allows homeowners to make informed decisions based on the contractor's track record and the quality of their work. Here's a more detailed exploration of why this is essential:
- Asking for Local References:
- Community Connections: Requesting local references ensures that homeowners tap into the contractor's community connections. These references are likely to be from individuals within the same geographical area who can provide insights into the contractor's performance within the local context.
- Verified Expertise: Local references serve as a form of verification for the contractor's expertise in dealing with the specific challenges and requirements of the region, considering factors such as weather patterns, building codes, and architectural styles prevalent in that locality.
2. Examples of Past Projects:
- Visual Assessment: Beyond references, homeowners should seek examples of the contractor's past projects. Viewing completed projects firsthand offers a visual assessment of the craftsmanship, attention to detail, and overall quality of the contractor's work.
- Diverse Styles: Examining a variety of past projects allows homeowners to gauge the contractor's versatility in working with different architectural styles, roofing materials, and project scales.
3. Visiting Completed Projects:
- On-Site Evaluation: Actively visiting homes or properties where the contractor has previously worked provides homeowners with a firsthand, on-site evaluation. This enables them to scrutinize the roofing installations, inspect the materials used, and assess the overall condition of completed projects.
- Interaction with Homeowners: Engaging with the homeowners of these properties allows for a direct exchange of information. Homeowners can inquire about the contractor's professionalism, adherence to timelines, and any unexpected challenges that were effectively addressed.
4. Direct Communication with Previous Clients:
- Insights into Contractor-Client Relationship: Encourage readers to directly communicate with previous clients. Speaking with homeowners who have firsthand experience working with the contractor provides valuable insights into the dynamics of the contractor-client relationship, communication styles, and overall satisfaction.
- Addressing Concerns: Homeowners can inquire about any challenges or concerns faced during the project and how the contractor handled them. This open dialogue helps assess the contractor's problem-solving abilities and commitment to client satisfaction.
5. Emphasizing Transparency and Confidence:
- Readily Providing References: A contractor's willingness to readily provide local references showcases a level of transparency. It indicates that the contractor is confident in their ability to deliver satisfactory results and is proud to connect potential clients with their satisfied customer base.
- Showcasing Completed Projects: The act of showcasing a comprehensive portfolio of completed projects in Missouri demonstrates a commitment to transparency. It provides homeowners with tangible evidence of the contractor's capabilities and reinforces the trustworthiness of their services.
In essence, delving into local references and past projects is akin to conducting due diligence before entrusting a roofing contractor with a project. This thorough evaluation process empowers homeowners to make well-informed decisions, ensuring they choose a contractor with a proven track record of excellence in their community..
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Metal Roof Care During Colder Months: Holts Summit Edition By Thomas McCormack, Owner of M5 Contracting A Personal Note from Thomas McCormack Hi there, neighbor. I’m Thomas McCormack, owner of M5 Contracting , proudly serving Holts Summit and the greater Callaway County area. First, thank you for taking a moment to stop by our blog. Whether you’re a longtime resident of mid-Missouri or recently settled into one of our beautiful communities, I’m glad you’re here. If you’ve invested in a metal roof , you’ve made a smart, long-term decision for your home. Metal roofing is durable, energy-efficient, and handles Missouri’s four-season climate with impressive resilience. But like all great things, it requires care—especially when the temperature drops and winter sets in. This blog is your complete guide to metal roof maintenance during the colder months in Holts Summit. My goal is to help you understand not just the what, but the why behind proper winter roof care—so your home stays safe, dry, and efficient for many winters to come. Let’s dive in. Why Metal Roofing is Popular in Holts Summit Metal roofing has become an increasingly popular choice for homeowners in Holts Summit, Jefferson City , and surrounding towns—and for good reason: Extreme durability – It can withstand high winds, hail, and heavy snowfall. Energy efficiency – Reflects heat in summer and resists heat loss in winter. Longevity – A properly installed metal roof can last 40–70 years. Fire resistance – Unlike asphalt shingles, metal roofs don’t ignite. In a state like Missouri , where winter can bring heavy snow one day and ice storms the next, these benefits are hard to beat. But even the best roof needs attention during colder months. Winter is when small problems can turn into big expenses—especially when left unchecked. 1. Understand How Winter Affects Metal Roofs Though metal roofs perform well under snow and ice, they still face unique winter challenges in Holts Summit: Thermal Expansion and Contraction Metal expands and contracts with temperature fluctuations. Over time, this movement can: Loosen fasteners or screws Widen seams Create stress around flashing points Proper installation and using flexible, high-quality fasteners (which we prioritize at M5 Contracting) can reduce long-term issues—but ongoing inspection is key. Ice Dams and Snow Buildup While snow generally slides off metal roofs more easily than shingles, ice dams can still form at the eaves where melting snow refreezes. This leads to: Water pooling behind the ice Leaks under panels and into your attic Gutter damage Condensation Risks Poor ventilation can cause warm, moist air from your living space to rise into your attic. On cold metal surfaces, this can condense and drip, damaging insulation and framing. 2. Preventing Ice Dams on Metal Roofs Ice dams are one of the biggest winter threats to any roofing system—yes, even metal ones. Fortunately, they can be avoided with proper planning. Steps to Prevent Ice Dams: Ensure Proper Insulation: Aim for at least R-49 insulation in your attic. This helps prevent heat from escaping through the roof and melting snow unevenly. Improve Ventilation: Install soffit and ridge vents to keep attic temperatures consistent with the outside air. Install Snow Guards: These help control how snow sheds from your roof, preventing dangerous “roof avalanches” and sudden ice dam formations at the edge. Check Gutter Health: Gutters clogged with fall leaves or debris will cause meltwater to back up and freeze. At M5 Contracting , we also offer heat cable installations —a smart solution for problematic areas like roof valleys and shaded eaves prone to ice buildup. 3. Regular Inspections: Your Winter Shield A pre-winter inspection is one of the smartest investments you can make. Here’s what we typically look for: Loose or missing fasteners Rust spots or corrosion Lifted seams or panels Damaged flashing around chimneys, vents, or skylights Gutter alignment and debris buildup We recommend getting your roof checked every 6 to 12 months , especially if your home is surrounded by trees or subject to high winds. At M5 Contracting, we offer comprehensive roof inspections throughout Holts Summit and surrounding areas like New Bloomfield , Jefferson City , and Fulton . 4. Snow Shedding and Safety Considerations Unlike shingle roofs, metal roofs often shed snow all at once. This can be both a benefit and a risk. The Good: Snow slides off quickly, preventing long-term stress on the roof. No ice stays long enough to cause long-term roof damage. The Bad: Sudden snow releases can damage: Gutters Landscaping Cars or walkways Even people! To prevent this, snow guards are essential. These small, strategically placed devices allow snow to melt and fall off in small, manageable amounts. Pro Tip for Holts Summit Homes: If your metal roof faces a driveway, porch, or heavily used walkway, install snow guards before the first snowfall to protect family, pets, and guests. 5. Cleaning Your Metal Roof Safely in Winter It’s tempting to climb up and sweep snow off yourself—but please don’t. Metal roofs are incredibly slippery in winter. If cleaning is needed, always call a professional. What you can do safely from the ground: Use a roof rake with a telescopic handle (rubber-edged) to remove snow buildup within reach. Keep downspouts and gutters clear of ice and leaves. Watch for signs of ice dams: icicles, water stains inside, or uneven snow melting. If snow or ice is becoming excessive, we’re just a phone call away for safe, insured removal . 6. Dealing with Winter Storm Damage Holts Summit winters are unpredictable. A single storm can cause more damage than an entire year’s worth of weather. If you suspect storm damage: Inspect your attic for moisture, mold, or water stains. Walk your home’s perimeter and check for displaced flashing or visible panel damage. Take photos of any issues for documentation. M5 Contracting specializes in storm damage restoration , including insurance claim assistance . We’ll work with your provider to ensure fair, fast coverage, and we’ll never push a replacement unless it’s truly needed. 7. Winter Roofing Myths: Let’s Clear Them Up Let’s take a moment to debunk a few common myths we hear around Holts Summit: ❌ “Metal roofs don’t need any maintenance.” Reality: While they need less maintenance than shingles, no roof is 100% maintenance-free—especially in the winter months. ❌ “Metal roofs attract lightning.” Reality: Metal roofs don’t increase your chance of being struck by lightning. In fact, they’re safer because they’re non-combustible. ❌ “You can’t repair or inspect roofs in winter.” Reality: With the right materials and experience, we can perform many types of roof repairs year-round—though some larger jobs may need to wait for spring temperatures. 8. Boosting Winter Efficiency with Metal Roofing Metal roofing already has great insulation properties when combined with the right underlayment and attic ventilation . Here’s how you can maximize your winter energy efficiency: Upgrade attic insulation if needed. Use radiant barrier underlayment , which reflects heat back into the home. Seal around all roof penetrations to eliminate drafts and warm air leaks. Install solar-powered attic fans to regulate attic temperature. These enhancements lower utility bills and reduce the strain on your HVAC system—all while increasing roof longevity. 9. A Local’s Checklist for Metal Roof Winter Care To keep things simple, here’s your Holts Summit Metal Roof Winter Prep Checklist : ✅ Schedule a professional inspection in early fall ✅ Clear gutters and downspouts of leaves and debris ✅ Install or inspect snow guards ✅ Check attic insulation and ventilation ✅ Add heat cables if prone to ice dams ✅ Watch for ice dam signs during the winter ✅ Avoid walking on the roof—call a pro ✅ Keep emergency contact info handy M5 Contracting: Your Local Roofing Partner in Holts Summit Winter in Holts Summit, MO can be beautiful—but harsh. Your metal roof is your home’s first line of defense against the snow, ice, and wind we know all too well in mid-Missouri. At M5 Contracting , we’re proud to help our neighbors across Holts Summit , Jefferson City , and beyond stay safe, warm, and dry throughout the winter season. Whether you need an inspection, ice dam prevention, gutter repair, or emergency roofing help, we’re just a phone call away—and we always answer with honesty, experience, and care. Need help preparing your metal roof for winter? Call us today at +1 833-424-5767 for a free winter roofing consultation or to schedule your seasonal inspection. Stay warm and well, Thomas McCormack Owner, M5 Contracting Proudly serving Holts Summit, MO
Surviving a Holts Summit Winter: Shingle Roof Edition By Thomas McCormack, Owner of M5 Contracting Hey neighbor, I’m Thomas McCormack, the proud owner of M5 Contracting here in Holts Summit, Missouri . If you’re anything like me, winter’s more than just a season—it’s a whole checklist of things to prepare around the house. And trust me, after years of working on homes across Callaway County and the Jefferson City area, I can say with full confidence that your shingle roof deserves a top spot on that list. Mid-Missouri winters are no joke. We’re talking ice storms, wind gusts strong enough to rattle your bones, and snow that likes to stick around way longer than it’s welcome. Your roof works overtime in these months—and it’s often silently suffering under the weight of it all. This blog is here to walk you through everything you need to know about protecting your asphalt shingle roof before, during, and after a Holts Summit winter. Whether you’ve just moved to the area or you’ve been here for decades, my goal is to help you feel confident and prepared. Let’s break it down. 1. Know Your Enemy: Missouri Winter Weather & Shingle Roofs Holts Summit might have some postcard-perfect snowfall days, but we also deal with: Freeze-thaw cycles that cause shingles to expand and contract repeatedly. Heavy snow accumulation , putting stress on the roof structure. Ice dams that can back water up under shingles and into your attic. High winds , especially during storms, that can rip off loose shingles. Freezing rain that turns everything into a slick, heavy mess. Each of these factors contributes to the wear and tear of your shingle roof. While asphalt shingles are a popular and reliable roofing choice across Missouri, they do have their weak points—especially under extreme weather stress. 2. Inspect Before Winter—Not During It One of the best ways to survive a Holts Summit winter is to prepare your roof before the first freeze hits . Here's what we recommend at M5 Contracting: Visual Inspections Walk around your home and look for: Curled, cracked, or missing shingles Granules piling up in your gutters Sagging rooflines or uneven patches These are clear signs your roof may be vulnerable to water intrusion or structural failure under snow load. Professional Roof Checkup We offer free roofing inspections throughout Holts Summit, and I always tell clients: catch small issues before they become expensive winter disasters. A 30-minute check can save you thousands in repair costs down the road. 3. Ice Dams: The Silent Roof Killer If you’ve ever noticed thick icicles forming along the edge of your roof, you might be dealing with ice damming . Here’s how it works: Heat from your attic melts the snow on your roof. The meltwater flows down and refreezes near the colder eaves. A dam of ice forms, blocking additional meltwater. Water backs up under your shingles and into your home. Prevention Tips Ventilation is key. Proper attic airflow keeps your roof at a uniform temperature. Add insulation. This keeps warm air where it belongs—inside your home. Install an ice and water shield. This underlayment adds protection in vulnerable areas like valleys and roof edges. We use premium synthetic underlayment at M5 Contracting that far outperforms the old-school felt. It’s something I recommend to every homeowner, especially before winter. 4. The Freeze-Thaw Cycle: What It Does to Shingles In Holts Summit, winter weather isn’t consistent. We’ll get a snowstorm, then a warm spell, then a refreeze. That constant cycle is brutal on asphalt shingles . Why? Because shingles are flexible to an extent—but not infinitely. The constant movement from expanding and contracting can cause: Cracks in the shingles Loosening of the adhesive seal between shingles Exposed nail heads that invite water intrusion Over time, that leads to premature aging of your roof—even if it looks fine from a distance. At M5, we install architectural-grade shingles that are built for Missouri’s seasonal extremes. They’re thicker, more durable, and offer better protection against wind uplift and cracking. 5. Snow Load and Structural Stress Most roofs in Holts Summit are built to handle a typical Missouri snow load—but it’s not just about the weight of the snow. What you should really worry about is: Ice accumulation , which weighs significantly more than snow. Uneven snow melt , which can cause moisture to linger in roof valleys. Blocked gutters , which trap snowmelt and create standing water. All of this adds stress to the roof structure and can lead to: Bowing roof decking Leaks in ceiling corners Water-stained insulation or drywall Damaged soffits and fascia boards If you notice popping sounds in your attic during winter, that’s your roof structure shifting from temperature or pressure changes. Don’t ignore it—call a local roofer (like us!) to assess. 6. Gutter Maintenance = Roof Protection Gutters aren’t technically part of your roof—but they’re one of the biggest protectors of it during winter. Clogged gutters lead to: Overflowing water onto siding and foundations Ice buildup at roof edges Backups that rot out your roof decking Holts Summit Gutter Tip: Install gutter guards before winter. It saves you from having to clear frozen leaf mush mid-season and helps prevent ice damming. M5 Contracting installs seamless gutters and top-quality guards that are tailor-made for our local homes. 7. Emergency Roof Repairs in Winter: What’s Possible Yes, we can perform emergency repairs in winter —but it’s not ideal. Shingles don’t seal properly in freezing temps, and materials become brittle. So while we can patch leaks or re-secure loose flashing , a full replacement or major overhaul is usually best done in spring. That said, our crews are available 24/7 for urgent roofing calls across Holts Summit. If you see interior leaks, sudden ceiling stains, or roof damage from fallen branches— don’t wait. We’ll do a temporary repair and return when the weather allows for a full fix. 8. Should You Replace Your Roof Before Winter? Great question—and one I hear a lot in late summer and early fall. Here’s when I usually say yes : Your roof is more than 15–20 years old. You’ve had persistent leaks. You’re missing multiple shingles or have visible sagging. Granule loss is extensive, and the shingles look bald. You’ve had multiple repairs in recent years. In these cases, you’ll likely spend less on a full roof replacement now than on patch jobs and interior damage later. Plus, you’ll enjoy better energy efficiency , home value , and peace of mind . We offer flexible financing for Holts Summit homeowners and work directly with insurance companies for storm-related replacements. 9. Energy Efficiency: Don’t Let Heat Escape Through the Roof A poorly insulated roof can raise your heating bill dramatically during a Holts Summit winter. But it’s not just about the money—it’s also about the strain on your roof. Warm air escaping from the attic causes uneven melting, ice dams, and unnecessary roof stress. Make sure your attic insulation meets current R-value standards (we recommend at least R-49 for Missouri). Need help evaluating? M5 Contracting can inspect your attic space and recommend upgrades before cold weather hits. 10. Final Winter Prep Checklist for Holts Summit Roofs Here’s your winter-ready list for shingle roof care: ✅ Schedule a fall inspection with a trusted local roofer ✅ Clear your gutters and downspouts of all debris ✅ Install or inspect gutter guards ✅ Add attic insulation if needed ✅ Seal all roof penetrations (vents, chimneys, etc.) ✅ Repair or replace damaged shingles ✅ Trim overhanging branches near the roofline ✅ Have emergency contact info for your local roofer handy (Go ahead and save +1 833-424-5767 in your phone!) Wrapping Up — Let’s Make This Winter a Worry-Free One Living in Holts Summit , we know how beautiful—and brutal—Missouri winters can be. And when it comes to shingle roofs , a little preparation now can save you from big problems later. If you’re not sure where your roof stands or want a second opinion before winter hits, my team and I at M5 Contracting are always happy to help. We’re local, we care about our community, and we’ll always give you honest advice—whether you need a quick fix or a full replacement. So if you’re ready to winter-proof your roof, or just want to chat about your options, give us a call at +1 833-424-5767 . No pressure—just friendly advice from your neighborhood roofer. Stay warm and safe out there, Thomas McCormack Owner, M5 Contracting
Your Probably Wondering How You're Going to Fight That Denied Roofing Insurance Claim Hello, I'm Thomas McCormack, owner of McCormack Roofing in Holts Summit, Missouri. If you're reading this, chances are you've just received the dreaded news: your roofing insurance claim has been denied. I know this can feel overwhelming, but don't worry—you're not alone, and there are steps you can take to fight back. In my years of experience, I've seen firsthand how insurance companies can sometimes deny claims that homeowners rightfully deserve. But here's the good news: many of these denials can be overturned with the right approach. In this blog, I'll walk you through the common reasons for claim denials and, more importantly, how you can challenge them effectively. Understanding Why Your Claim Was Denied Before you can fight a denied claim, it's crucial to understand why it was denied in the first place. Here are some common reasons: Pre-Existing Damage : If the insurance adjuster determines that the damage existed before your policy began, they may refuse to cover repairs. This is especially common for roofs with hidden damage from previous storms. Incorrect Installation or Manufacturer Defects : If the adjuster determines the damage stems from faulty installation or defective roofing materials (a manufacturer's defect), they may deny the claim. In these cases, the responsibility could fall on the roofing contractor or manufacturer. Insufficient Documentation : Your roof damage claim needs strong supporting evidence. Without the proper documentation, such as photos of the damage, detailed descriptions, repair estimates from a reputable roofing contractor, or receipts for previous roof repairs, your claim will be weaker and could result in denial. Policy Exclusions : Carefully review your homeowners' insurance policy. Certain perils, such as earthquakes, floods, or acts of war, are often excluded from standard policies. In these cases, you may need additional coverage to protect against these specific risks. Missed Deadlines : Every homeowner's insurance policy has deadlines for filing claims. Missing these deadlines, even by a few days, can result in a claim denial. Be sure to file your claim on time and keep track of all communication and documentation. Steps to Challenge a Denied Roofing Insurance Claim Now that you know why your claim might have been denied, let's discuss how to fight back. 1. Review the Denial Letter Carefully The insurance company's roof claim denial letter should clearly state the reason for denying your roof claim. Understanding their rationale is crucial for building your rebuttal. 2. Gather Additional Documentation Strengthen your claim by collecting more evidence. This may include additional photos of the roof damage, repair estimates from multiple roofing contractors, documentation of past roof maintenance, or reports from a professional roof inspector. 3. Request a Re-Inspection If you believe the initial inspection was inadequate or that the adjuster missed or misinterpreted something, you have the right to request a re-inspection. Ideally, have a professional roofing contractor present during the re-inspection to provide expert insights and counter any inaccurate assessments. 4. Consider Hiring a Public Adjuster Public adjusters are independent professionals who specialize in assisting homeowners with insurance claims. They can assess the damage, gather evidence, negotiate with the insurance company on your behalf, and navigate the complex claims process so that your claim is fairly evaluated. 5. File an Appeal Most insurance companies have a formal appeals process. Gather all your documentation, including the denial letter, your evidence, and any expert opinions, and submit a written appeal clearly explaining why you believe the denial is unjustified. 6. Seek Legal Counsel If all else fails and you believe your claim was unfairly denied, consider consulting an attorney specializing in insurance claims. They can advise you on your legal options and represent you in negotiations or potential litigation. Real-Life Example: Hensley v. Shelter Mutual Insurance In a notable Missouri case, Hensley v. Shelter Mutual Insurance Co., the plaintiff successfully proved that the refusal to settle his property damage claim after a significant fire was vexatious. This case set out the legal test to demonstrate bad faith by an insurer and serves as a reminder that insurance companies can be held accountable for unjust denials. How McCormack Roofing Can Assist You At McCormack Roofing, we understand the challenges homeowners face when dealing with denied insurance claims. Here's how we can help: Professional Roof Inspections : We provide thorough roof inspections to assess the extent of the damage and identify any issues that may have been overlooked. Detailed Documentation : We assist in gathering and presenting comprehensive documentation, including photos, estimates, and reports, to support your claim. Advocacy : We can liaise with your insurance company to ensure your concerns are heard and that your claim is given fair consideration. Expert Advice : We offer guidance on the appeals process and can recommend reputable public adjusters or legal professionals if necessary. Final Thoughts Facing a denied roofing insurance claim can be daunting, but it's important to remember that you have options. By understanding the reasons for denial and taking proactive steps, you can increase your chances of a successful appeal. And remember, McCormack Roofing is here to support you every step of the way. If you're in Holts Summit or the surrounding areas and need assistance with a denied roofing insurance claim, don't hesitate to reach out. We're here to help you protect your home and your investment.
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Preparing Your Shingle Roofing System for Storm Season By Thomas McCormack, M5 Contracting | Holts Summit, Missouri Hey folks, Living here in Mid-Missouri, we all know how unpredictable storm season can be. One day it’s sunny, the next we’re dealing with heavy rain, hail, or even high winds. As the owner of M5 Contracting and a lifelong Missouri resident, I’ve seen firsthand the kind of damage our spring and summer storms can do—especially to shingle roofs. That’s why I wanted to share some practical, no-nonsense advice to help you get your roof storm-ready. Below, I’ve laid out five key steps every homeowner in Holts Summit and surrounding areas should take to protect their shingle roofing system before the next storm hits. 1. Inspect for Existing Damage Before a storm ever rolls in, it’s critical to check your roof for any pre-existing issues. Even a few loose shingles or exposed nails can give wind and water the perfect opportunity to wreak havoc. At M5 Contracting, we recommend a full visual inspection twice a year—once before storm season and once after. If you're comfortable doing it yourself, look for things like curling shingles, missing tabs, cracked flashing, and signs of wear around chimneys and vents. If you’d rather play it safe (and stay off the ladder), give us a call. We’re happy to do a free inspection and let you know where things stand. 2. Clear Debris and Clean Gutters One of the most common problems I see after a storm isn’t actually on the roof—it’s clogged gutters. When gutters are full of leaves, sticks, and granules from your shingles, they can't properly channel water away from your home. That leads to overflow, which can soak the fascia, siding, and even leak into your attic. Make it a habit to clean out your gutters and downspouts before storm season. Trim back any overhanging tree limbs while you’re at it—branches can easily snap off during high winds and damage your shingles. 3. Secure Loose Shingles and Flashing This is a big one. Missouri storms often come with high winds, and loose shingles are one of the first things to go flying. But it’s not just shingles—flashing around chimneys, skylights, and vents is also prone to lifting or cracking over time. If you notice any materials that aren’t firmly attached, it’s best to have them repaired right away. Even small openings can let water seep under the roofline, leading to rot and mold. At M5, we always say: a $200 fix today can prevent a $2,000 repair tomorrow. 4. Check Attic Ventilation and Insulation This one surprises a lot of homeowners, but your attic plays a huge role in your roof’s storm resistance. Proper ventilation helps regulate temperature and moisture, which keeps shingles from warping and prevents condensation buildup that can damage the roof deck. Take a peek inside your attic—make sure vents are clear, insulation is dry, and there are no signs of mold or water stains. If anything looks off, don’t wait until after a storm to deal with it. A well-maintained attic helps your whole roofing system perform better under stress. 5. Document Your Roof’s Condition Lastly, always document the condition of your roof before storm season starts. Take clear, date-stamped photos of your shingles, flashing, gutters, and even the attic if you can. This is a huge help if you ever need to file a storm damage claim with your insurance company. Trust me, I’ve helped plenty of Holts Summit homeowners navigate the insurance process, and having "before" photos makes it so much easier to prove that storm damage was new and not pre-existing. Final Thoughts from Thomas Storm season isn’t something we can avoid here in Missouri, but we can prepare for it. Taking the time to maintain and reinforce your shingle roofing system now will save you a lot of stress—and potentially a lot of money—down the line. If you’re unsure about anything, don’t hesitate to reach out. At M5 Contracting, we treat every home like it’s our own, and we’re proud to be your go-to roofing experts here in Holts Summit. Stay safe, stay dry, and as always—if you need a hand, I’m just a call away. Warm regards, Thomas McCormack Owner, M5 Contracting
5 Reasons To Avoid Clay Roofing in Missouri By Thomas McCormack, Owner of M5 Contracting – Holts Summit, MO When I first got into the roofing business here in Holts Summit, I was drawn to all the different types of roofing materials out there — asphalt shingles, metal panels, wood shakes, and yes, clay tiles. Clay roofing has this timeless charm to it. There’s no denying it looks beautiful, especially on Spanish-style or Mediterranean-inspired homes. Over the years, I’ve had the chance to repair, inspect, and even install a few clay roofs in Missouri. But if I’m being totally honest — and I always aim to be — I generally recommend my customers steer clear of clay tile roofing here in Missouri . Why? Because our climate and conditions just don’t play well with this material. Sure, it looks great on a postcard from California or Arizona, but Missouri’s unpredictable weather, heavy storms, and seasonal shifts can turn a clay roof into a real headache. In this blog, I’ll walk you through the five biggest reasons you should avoid clay roofing in Missouri , based on what I’ve seen firsthand over the years. Whether you’re building new, thinking about a roof replacement, or just curious about your options, I hope this helps you make the best choice for your home. 1. Clay Tiles Crack Under Missouri’s Freeze-Thaw Cycles Missouri weather is wild — and I’m not just talking about tornadoes. One of the biggest problems we face here is something called the freeze-thaw cycle . We might have a mild 60-degree day in February followed by a hard freeze that same night. This constant up-and-down in temperature wreaks havoc on roofing materials that absorb moisture — like clay. Clay tiles are porous, meaning they soak up water. When that water freezes, it expands, and over time, that expansion causes the tiles to crack, chip, or even break apart completely. It doesn’t take a major winter storm to do this — just repeated cycles of freezing and thawing can slowly destroy a clay roof tile by tile. This is one of the most common issues we see when inspecting older clay roofs. By the time a homeowner spots the damage from the ground, there could already be dozens of cracked or compromised tiles up top. Bottom line: Clay tiles just aren’t built for climates with harsh freeze-thaw cycles like we have here in Missouri. 2. Clay Roofs Are Extremely Fragile and Easy to Damage One of the biggest misconceptions about clay tiles is that they’re super durable. In truth, they’re durable when it comes to things like rot and pests — but they’re very brittle when it comes to physical pressure or impact. Just walking on a clay tile roof the wrong way can cause breakage. That makes basic maintenance, chimney inspections, or even cleaning out your gutters a risky job. A misplaced step can lead to several broken tiles — and suddenly a simple task turns into a repair job. Now factor in Missouri’s severe weather. Our state sees its fair share of: Wind-blown debris Falling tree branches Hailstorms Ice dams Each of these can spell trouble for a clay roof. Even a medium-sized hailstone can crack a tile. And when a few tiles break, it creates vulnerabilities that can lead to leaks, underlayment damage, and mold growth in your attic. Bottom line: Clay roofs may look tough, but they’re incredibly fragile — and Missouri’s stormy conditions don’t do them any favors. 3. They’re Incredibly Heavy and Require Special Structural Support Another downside that often surprises homeowners is just how heavy clay tile roofing is. To give you some perspective: Asphalt shingles weigh around 2–3 pounds per square foot. Clay tiles can weigh up to 12 pounds per square foot — or more, depending on the type. That kind of weight isn’t something you can just slap on any old roof. Your home needs to be specifically engineered to handle it, which often involves reinforcing the roof deck, trusses, and other structural components. If your current home wasn’t designed for a clay roof, installing one means a major upfront cost just to upgrade your framing. In my experience, very few homes in mid-Missouri are built with clay roofing in mind. Trying to retrofit one onto an existing structure is almost always more trouble (and money) than it’s worth. Bottom line: Clay roofing is heavy, and most Missouri homes aren’t structurally prepared for the extra weight. 4. Repairs Are Expensive and Complicated Let’s say you go ahead and install a clay roof anyway. What happens when it eventually needs repairs? The truth is, clay tile roofing is expensive and tricky to repair — especially here in Missouri, where the materials and experienced labor can be hard to come by. If a tile breaks, it’s not always easy to find a perfect color or shape match. This can leave your roof looking patchy or mismatched over time. And remember, you can’t just nail a replacement tile in place like you can with asphalt shingles. Clay roofing requires precision, careful handling, and specific techniques to ensure the tile sits properly without cracking. Improper repairs can cause water pooling, tile shifting, or more breakage down the line. We’ve been called in to fix DIY clay roof repairs gone wrong more times than I can count. It’s usually not the homeowner’s fault — it’s just that clay roofs require specialized knowledge and tools that most people (and even many general contractors) don’t have. Bottom line: Repairing a clay roof in Missouri is expensive, time-consuming, and often frustrating. 5. Poor Fit for Missouri’s Climate and Roofing Needs This one’s the kicker. Even if you had the money, the structural support, and access to expert repair crews… clay roofing still isn’t a great fit for our local climate. Missouri throws everything at your roof: Ice and snow in the winter Intense heat and UV in the summer Wind, hail, and flying debris in spring and fall High humidity and mold growth risk Sudden temperature swings year-round Clay tile roofs are best suited to dry, mild, consistent climates like parts of California, Arizona, and the Mediterranean — not a place where you can get all four seasons in one week. Over time, the tiles degrade faster, repairs pile up, and the maintenance costs start to outweigh the benefits. In addition, clay roofs don’t offer the same flexibility as more modern roofing systems when it comes to energy efficiency, venting options, or storm-resistant designs. Bottom line: Missouri homeowners deserve roofing systems that are built for Missouri weather — and clay just isn’t one of them. Final Thoughts from Thomas If you’ve got your heart set on a certain look, I get it. Clay roofs are gorgeous — no argument there. But from a contractor’s perspective, and as someone who wants the best for my neighbors here in Holts Summit and across Missouri, I wouldn’t recommend clay roofing for your home. There are plenty of other options that offer beauty, durability, and better performance in our climate: Architectural shingles that mimic clay’s texture Metal roofing with baked-on finishes that last decades Synthetic slate or composite tiles designed to look like clay but perform like asphalt or metal At M5 Contracting, we specialize in helping Missouri homeowners find the right roofing system for their needs — not just what looks good in a brochure. If you’re weighing your options or have questions about replacing or upgrading your roof, don’t hesitate to reach out. I’m always happy to chat, give honest advice, and point you in the right direction. Thanks for taking the time to read this. Here’s to strong, storm-proof roofs and smart decisions. – Thomas McCormack Owner, M5 Contracting Proudly serving Holts Summit and Mid-Missouri
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5 Things You Need To Know Before You Go Metal By Thomas McCormack, Owner of M5 Contracting A Personal Note from Thomas: If you’ve been thinking about upgrading to a metal roof , you’re not alone. Over the past few years, I’ve seen a major shift here in Missouri—homeowners are getting smart about investing in their properties, and metal roofing is one of the most common upgrades we’re asked about. That said, switching to a metal roof isn’t something you just jump into. It’s a big decision, and I believe in making sure every homeowner I work with fully understands the pros, the cons, and everything in between. So before you go metal, here are five things you need to know to make the right call for your home, your budget, and your future. 1. Yes, It Costs More Upfront—But It Pays Off Let’s start with the obvious: metal roofing is more expensive than asphalt shingles . But there’s a reason for that. You're getting a roof that can last 40–70 years, resist storm damage, reduce energy bills, and boost your home’s value. While you’re paying more upfront, you’re likely saving in the long run —on repairs, replacements, and even insurance premiums. At M5 Contracting, we walk you through the cost breakdown and help you explore financing or insurance claim options if applicable. 2. Not All Metal Roofs Are Created Equal Just like any building material, there are different types of metal roofing systems —and not all of them are high quality. From standing seam panels to metal shingles, and from steel to aluminum or even copper, each option has pros and cons depending on your goals, budget, and home design. We help you navigate those choices so you don’t end up with the wrong product for your home or climate. 3. Proper Installation Is Everything Metal roofs only perform well if they’re installed properly —and unfortunately, not every contractor is trained or experienced in working with metal. Incorrect fastening, poor flashing, and sloppy seams can lead to leaks, noise issues, and premature wear. That’s why at M5 Contracting, we take pride in our specialized metal roofing installs. Our crew follows best practices to the letter, ensuring you get the durability and performance you’re paying for. 4. Metal Roofing Isn’t Just for Modern Homes I hear this all the time: “I love the idea of a metal roof, but I’m not sure it’ll look right on my home.” Truth is, metal roofing is more versatile than most people think . With today’s wide range of colors, profiles, and finishes, we can match virtually any home style—from classic farmhouses to sleek, contemporary builds. Want the look of wood shake, tile, or slate with the performance of metal? We’ve got options for that, too. 5. It Might Get Loud—But It Doesn’t Have To Yes, metal roofing can be noisier during heavy rain or hail—but it doesn’t have to be. With proper underlayment, insulation, and attic design, we can minimize or eliminate sound transfer . In fact, many of our clients are surprised at how quiet their metal roofs actually are after installation. We’ll assess your attic and insulation and make sure your system is installed in a way that keeps things comfortable and quiet. Final Thoughts from Thomas Going metal is a big step—but it’s one I believe in. If you’re looking for a roofing system that’s tough, long-lasting, energy-efficient, and sharp-looking , metal might just be the upgrade your home needs. At M5 Contracting , we’ve helped homeowners all across Missouri make the transition to metal roofing with confidence and clarity. I’d be happy to help you explore your options and make sure you’re set up for success. – Thomas McCormack Owner, M5 Contracting 🏡 Ready to talk metal?Give us a call