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Housing Tip of the Month -- September 2000


                  Roofs

                 September 1, 2000 -- The most common roofing material used in single family housing
                 construction is the asphalt shingle. Asphalt shingles are available in various styles and
                 life expectancies. Life expectancy is gauged by years and generally ranges from 20 to
                 35 years. When purchasing shingles or receiving quotes seek advice from a reputable
                 contractor. Compare the costs between a 20 to 25 year shingle and a 25 to 30 year
                 shingle, the difference for the additional 5 years may be minimal and money well spent.

                  Roofing contractors are not always required to be licensed with the local municipality.
                 Larger metropolitan cities may require licensing while smaller and rural communities
                 may not. You should inquire with your local building department to determine if licensing
                 is required before hiring a contractor. It is wise to consider the following four issues
                 when hiring a roofing contractor:

                 1. Liability Insurance
                 2. Status of Applicable License
                 3. Workman's Compensation Insurance
                 4. Warrantees on Workmanship

                 Installation of asphalt shingles on a pitched roof usually includes flashings, eaves
                 protection, starter strips and ventilation of the attic. Stripping of the old deteriorated
                 shingle is recommended to ensure the new shingle is installed over a smooth, solid
                 surface. Stripping the old shingle also gives you an opportunity to inspect the roof
                 decking for rot and decay and to make required repairs. Unrestricted ventilation at
                 soffits and ridge areas is critical in maintaining the proper life expectancy of your roof.
                 The contract should also address cleanup and removal of waste, protection of
                 landscaping and shrubs, magnetic sweep of grounds for stray nails and an allowance
                 cost for additional plywood or decking needed after the roof is stripped. All these
                 conditions should be outlined in a good, clear, descriptive contract with your roofing
                 contractor.