GAF Announces Sweepstakes for Roofing Professionals

GAF has announced a sweepstakes giving professional roofing contractors, builders, and remodelers a chance to win an exclusive meet-and-greet experience with Guy Fieri and tickets to the 2017 International Roofing Expo in Las Vegas.
 
“The Eat & Greet with Guy Fieri Sweepstakes” will give one Grand Prize winner and their guest a private meeting and kitchen tour with Guy Fieri and his team at his Guy’s American Kitchen + Bar. While they’re there, the winner will enjoy lunch for two and receive signed merchandise from Guy. The Grand Prize also includes round-trip airfare for two, tickets to the 2017 International Roofing Expo, four nights in Las Vegas, and a $1,500 prepaid card. 
 
In addition, one hundred First Prize winners will win a GAF prize pack, which includes a $25 dining gift card, Guy Fieri Family Food cookbook, and a GAF hat. 
 
Guy Fieri is a chef, New York Times bestselling author, restaurateur, and the Emmy Award-winning host of Food Network’s Diners, Drive-Ins and Dives, Guy’s Grocery Games, and Guy’s Big Bite. Guy has more than 50 restaurants around the world including Guy’s American Kitchen + Bar on the Vegas Strip.

“The Eat & Greet with Guy Fieri Sweepstakes” is open now through Jan. 31, 2017. No purchase is necessary. Open to professional roofing contractors, builders, and remodelers only.  21+. U.S. Only. For official rules and to enter, visit here.

Maximize Risk Transfer to Your Commercial General Liability Insurance

Roofing contractors face potential liability from numerous aspects of their businesses, including employee-operated company vehicles and equipment; work-related injuries; property and equipment damage; “disappearing” materials; defective work and materials; and a multitude of employment issues, such as wrongful termination claims. All reputable contractors protect themselves and others by purchasing Commercial General Liability (CGL) Insurance. The scope of available coverage runs from basic policies to wide-ranging “multi-peril” policies, which bundle multiple coverages to address a number of potential risks. A multi-peril policy for roofing contractors may include coverage for damage arising from defective work, operation of vehicles or equipment, worker’s compensation, employment practices and even employee theft.

Insurance simply represents the transfer of risk from the insured to the insurance company. Taking a proactive approach to understanding the insurance you purchase allows you to maximize that risk transfer or at least know where you bear the majority of risk.

The Basics

A CGL insurance policy generally consists of three primary sections:

  • The insuring agreement.
  • The exclusions.
  • The endorsements.

The insuring agreement defines what the policy covers and is generally written quite broadly. Virtually all CGL insurance policies require that such property damage or personal injury result from an “occurrence,” typically defined as “an accident, including continuous or repeated exposure to substantially the same general harmful conditions”. Many of the terms within the insuring agreement are specifically defined for purposes of the policy and require analysis, depending on the claim asserted and the particular coverage implicated.

The exclusions are simply that— claims and/or damages the insurance company will not cover. For example, CGL insurance policies commonly contain exclusions for “Contractual Liability”, defined as “bodily injury or property damage the insured is obligated to pay by reason of the assumption of liability in a contract or agreement”. Since many subcontracts include express indemnification clauses, this can be a major area of concern for the contractor.

Endorsements are documents attached to a policy that amend the terms in some way and can expand or restrict coverage or even modify the definitions. One common misperception is the belief that endorsements are synonymous with exclusions. To the contrary, it is not uncommon for an endorsement to narrow the scope of an exclusion or eliminate an exclusion entirely. Endorsements can be used to tailor a policy to a particular industry or trade, and insurance companies use them to modify standard Insurance Services Office (ISO) policies to comport to their particular philosophy, such as cancellation and non-renewal provisions or requiring binding arbitration to settle coverage disputes. Endorsements are usually identified by description and form number as part of the Declarations Page.

There are common Endorsements that result in additional exclusions. One of particular concern to any contractor is the “Independent Contractors and Subcontractors Limitation”, which provides that claims for bodily injury or property damage caused by independent contractors/subcontractors used by the insured are not covered unless that independent contractor/subcontractor maintains its own insurance coverage with limits equal to the insureds and names the insured as an Additional Insured on its policy.

To limit your personal exposure, it is imperative you do not ignore the Endorsements! It is an important part of your policy and you need to understand the terms.

Duty to Defend Versus Duty to Indemnify

An insurance policy creates two separate and distinct obligations for the insurance company: the duty to defend and the duty to indemnify.

The duty to defend consists of the insurance company’s obligation to hire counsel to defend the insured in response to a claim. That obligation is not
dependent upon the insured’s liability but whether the allegations made by the plaintiff states a claim potentially triggering coverage. The duty to defend
exists even if the claim is groundless, false or fraudulent.

The duty to indemnify is the insurance company’s obligation to pay the successful plaintiff when that claim falls within the scope of the insurance policy.
In the insuring agreement, the insurer promises to “pay those sums that the insured becomes legally obligated to pay as damages because of ‘bodily injury’ or ‘property damage’ to which this insurance applies.”

It’s often said that the duty to defend is broader than the duty to indemnify. The carrier’s duty to defend exists when the claim potentially triggers overage, while the duty to pay exists only when the insured is obligated to pay damages and the claim falls within the coverage provided by the policy.

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Porous Pave Inc. Celebrates Environmental Milestone

When Greenbuild convenes in Los Angeles, Porous Pave Inc. will celebrate an environmental milestone by surpassing 7.5 million pounds of recycled rubber used in manufacturing its permeable paving material. An eco-friendly green building product made in the U.S.A., Porous Pave is a paving material consisting of recycled rubber, chipped granite aggregate and a liquid binder. The shredding and processing of discarded tires produces the 1/8-1/4-inch chips of recycled rubber incorporated into Porous Pave.

“Topping 7.5 million pounds of recycled rubber is an achievement for the environment,” said Dave Ouwinga, president, Porous Pave Inc. “For us it also signifies the continued confidence of builders, landscape architects and contractors to request, specify and install Porous Pave for a range of public, commercial and residential applications of permeable paving.”

Porous Pave retains stormwater on site, decreasing the volume and velocity of runoff into storm drains and storm sewers. While the porosity of permeable pavers is limited to only the joints between them, the entire surface of Porous Pave is porous. It is engineered with up 29 percent total void space. Water drains through it at a tested permeability rate of 5,800 to 6,300 gallons of water per hour per square foot.

Porous Pave is slip resistant and resilient. It will not freeze, heave, crack or crumble. A pour in place material that can express any hardscape or landscape plan, Porous Pave offers design versatility and application flexibility. Porous Pave is available in a variety of colors.

Interactive Tablet App Provides Information to Strengthen Structures Against Natural Disasters

FORTIFIED Home On the Go interactive tablet app gives information to strengthen homes against natural disasters.

FORTIFIED Home On the Go interactive tablet app gives information to strengthen homes against natural disasters.

The Insurance Institute for Business & Home Safety (IBHS) and Munich Re, US launches an interactive tablet app to help builders, contractors, architects and homeowners design and build structures in the face of increasing severe weather events.

FORTIFIED Home On the Go interactive tablet app is available for free download from the iTunes Store.  It walks homeowners, contractors and architects through the steps for strengthening homes. The information includes videos, animations and technical specifications for retrofitting or building single family homes.

Information in the app is taken from IBHS’ FORTIFIED Home program, which provides a set of building standards for homes in high-risk areas, such as in the plains and coastal states.

Kuiken Brothers Company Publishes On-line Moulding Design Guide

Kuiken Brothers Company announces the publication of their on-line Moulding Design Guide, a replica of architectural pattern books which would have been common throughout the United States in the 19th and early 20th centuries. This digital resource features interior elevation drawings of over forty moulding combinations, including full room packages, cornice combinations and mantle designs using profiles from their in-stock collection. Detailed drawings and photos can be downloaded directly from the company’s website here: Kuiken Brothers Moulding Design Guide. Moulding profiles are in-stock and ready for shipment to projects throughout the United States.

Many of the moulding combinations found within Moulding Design Guide are created with profiles from Kuiken Brothers’ in-stock Classical Moulding Collection. These profiles are based off of classical and traditional designs discovered through the company’s research of the Library of Congress’s Historic American Building Survey and with the oversight of a historic moulding expert. These Classical Moulding profiles have been categorized by architectural styles including Early American, Georgian, Federal, Colonial Revival, Greek Revival and Traditional Revival.

The origin of pattern books can be traced back to first-century Roman architect Vitruvius in his Ten Books on Architecture which explained architectural orders for entablatures, entranceways and columns. 16th Century Italian architect Andrea Palladio wrote architectural books that inspired Europeans and Americans on home and building design elements. This set a precedent for American craftsmen who had access to many different pattern books that detailed drawings for whole house styles and interior architectural how-to illustrations for field fabrication and installation. Just prior to the Twentieth Century, industrialization created a need for affordable housing for the growing working class, replacing traditional pattern books with whole house mail-order catalogs from companies such as Sears, Roebuck & Co., and Montgomery Ward. Until the launch of Kuiken Brothers Moulding Design Guide, there has been a void of accessible millwork pattern books for builders, remodelers, architects and designers.

The Moulding Design Guide is accessible through Kuiken Brothers responsive design website, allowing installers and specifiers to access them on jobsites through their mobile devices. Once a particular style has been chosen, builders, remodelers and architects can contact Kuiken Brothers to discuss the needs for their specific project.

New Polymer Roof Options Receive CRRC Approval

Four new DaVinci EcoBlend options are approved by the Cool Roof Rating Council to reflect sunlight and heat away from a home or commercial structure.

Four new DaVinci EcoBlend options are approved by the Cool Roof Rating Council to reflect sunlight and heat away from a home or commercial structure.

DaVinci Roofscapes, a leader in polymer roof colors, launches four new DaVinci EcoBlend options approved by the Cool Roof Rating Council (CRRC) to reflect sunlight and heat away from a home or commercial structure. The new color blends all meet Title 24 requirements for California.

Newly introduced color blends for EcoBlend polymer shake and slate roofs include:
– Tahoe-EcoBlend: Light Tahoe, Medium Light Tahoe and Medium Tahoe blend
– Mountain-EcoBlend: Light Mountain, Medium Mountain and Dark Mountain blend
– Brownstone-EcoBlend: Light Brown, Dark Stone and Dark Tan blend
– Slate Gray-EcoBlend: Slate Gray

EcoBlend color blends previously accessible from DaVinci Roofscapes that meet the stringent requirements to receive ENERGY STAR designations and still available from the company include:
– Weathered Gray-EcoBlend: Light Weathered Gray, Medium Weathered Gray and Dark Weathered Gray blend
– Castle Gray-EcoBlend: Light Gray, Medium Gray and Dark Gray

Four new color blends for EcoBlend polymer shake and slate roofs include Tahoe, Mountain, Brownstone, and Slate Gray.

Four new color blends for EcoBlend polymer shake and slate roofs include Tahoe, Mountain, Brownstone, and Slate Gray.

Created in 1998, the Cool Roof Rating Council develops accurate and credible methods for evaluating and labeling the solar reflectance and thermal emittance (radiative properties) of roofing products. The company shares this information with architects, specifiers, builders and all other interested parties.

The experienced team members at DaVinci Roofscapes develop and manufacture polymer roof systems with an authentic look and superior performance. DaVinci leads the industry in selection of colors, tile thickness and tile width variety. The company’s products have a limited lifetime warranty and are 100 percent recyclable. All DaVinci roofing products are proudly made in America where the company is a member of the National Association of Home Builders, the National Association of Roofing Contractors, the Cool Roof Rating Council and the U.S. Green Building Council.