Your family's protection depends on knowing the truth. After 15+ years in Rhode Island's roofing industry, we're exposing the secrets that could save you thousands and protect your Rhode Island home.
The roofing industry has secrets. Some contractors would prefer you never discover these insider truths about Rhode Island's unique coastal challenges, insurance loopholes, and cost-saving strategies. But at Mighty Dog Roofing, we believe transparency builds trust - and protects families.
Here are the 10 shocking secrets your Rhode Island roofer might never tell you:
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1. Your "Lifetime" Warranty Probably Isn't Worth the Paper It's Written On
What They Don't Tell You:
Most roofing warranties are loaded with exclusions that void coverage for Rhode Island's most common problems: wind damage, salt air corrosion, and ice dam formation. Many contractors offer "lifetime" warranties knowing they'll be out of business long before you need to use them.
The Shocking Truth:
- 90% of roofing warranties exclude "acts of nature" - which includes hurricanes, nor'easters, and hail
- Salt air exposure (within 10 miles of coast) often voids manufacturer warranties
- Improper installation accounts for 80% of warranty claim denials
- Contractor warranties are worthless if the company disappears
What We Do Differently:
At Mighty Dog Roofing, our 5 to 25 year workmanship Warranty covers what others won't - While locally owned and operated, we're backed by a national franchise system, so we'll be here when you need us.
Red Flags to Watch For:
- Warranties that require annual inspections by the original contractor
- Exclusions for "coastal environments" or "salt air exposure"
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2. The "Emergency" Roof Repair That Could Have Waited (And Cost You Thousands Less)
What They Don't Tell You:
Storm-chasing contractors prey on Rhode Island homeowners after hurricanes and nor'easters, claiming "emergency repairs" that cost 3-5 times normal rates. Many "urgent" repairs could safely wait weeks or months.
The Shocking Truth:
- Emergency tarping often costs $500-$1,500 when a $50 tarp from Home Depot would work temporarily
- **Storm damage markups can reach 200-400% above normal pricing
- Insurance adjusters often approve inflated emergency rates without question
- Temporary repairs frequently become permanent, low-quality fixes
How to Protect Yourself:
- Get multiple quotes even for "emergency" work
- Document everything with photos before any work begins
- Verify contractor licensing through Rhode Island's contractor database
- Understand your insurance coverage before agreeing to emergency rates
When It's Really an Emergency:
- Active leaks causing interior damage
- Structural damage threatening collapse
- Missing sections exposing interior to weather
- Safety hazards from loose materials
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3. Your Insurance Company Has a "Preferred Contractor" List (And You're Paying for It)
What They Don't Tell You:
Insurance companies maintain "preferred contractor" networks that prioritize speed and cost-cutting over quality. These contractors often use inferior materials and rushed installation methods to maximize insurance company profits.
The Shocking Truth:
- Preferred contractors receive bonuses for keeping claim costs low
- Material downgrades are common with insurance-preferred work
- Rushed installations lead to premature failures not covered by insurance
- You have the right to choose ANY licensed contractor, not just preferred ones
Your Rights as a Rhode Island Homeowner:
- Choose your own contractor - insurance cannot require you to use their preferred list
- Demand quality materials - don't accept "equivalent" substitutes
- Get independent inspections - don't rely solely on insurance adjusters
- Negotiate settlements - initial offers are often 30-50% below actual costs
Questions to Ask Your Insurance Company:
1. "Can I choose my own contractor?"
2. "What materials are covered in my policy?"
3. "Will you cover code upgrades required by Rhode Island?"
4. "What's the difference between ACV and replacement cost coverage?"
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4. Rhode Island's Coastal Building Codes Are Stricter Than Most Contractors Follow
What They Don't Tell You:
Rhode Island has enhanced building codes for coastal areas, but many contractors ignore these requirements to save time and money. Non-compliance can void your insurance and create safety hazards.
The Shocking Truth:
- Enhanced wind load requirements (115+ mph) apply to most of Rhode Island
- Corrosion-resistant fasteners are required within 10 miles of coast
- Ice dam prevention measures are mandatory in northern RI
- Ventilation standards are stricter for coastal humidity
Critical Rhode Island Code Requirements:
Wind Resistance:
- 6-nail fastening patterns in high-wind zones
- Enhanced edge securement for coastal areas
- Impact-resistant materials in hurricane zones
Coastal Protection:
- Galvanized or stainless steel fasteners within 10 miles of ocean
- Enhanced underlayment requirements
- Corrosion-resistant flashing materials
What This Means for You:
- Non-compliant work** can void insurance coverage
- Code violations must be corrected before selling your home
- Proper installation costs 10-15% more but lasts 2-3 times longer
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5. The "Roof Inspection" That's Really a Sales Pitch in Disguise
What They Don't Tell You:
Many "free roof inspections" are high-pressure sales tactics designed to find problems that may not exist. Storm-chasers particularly use this technique to generate unnecessary work. A drone inspection may be a great option that protects the customer. If signs of damage are indeed found, this would then be good reason for a physical roof walk and inspection by the inspector.
The Shocking Truth:
- Fake damage is sometimes created during "inspections"
- Minor issues are exaggerated to justify full replacements
- High-pressure tactics include claims that "this price is only good today"
- Legitimate inspections should be documented with photos and detailed reports
Red Flags During Roof Inspections:
- Contractors who show up unannounced after storms
- Inspectors who won't let you accompany them on the roof
- Claims of "hidden damage" that requires immediate attention
- Pressure to sign contracts during the initial visit
- Reluctance to provide written inspection reports
What a Legitimate Inspection Includes:
- Detailed photo documentation** of all findings
- Written report with specific problem areas identified
- Repair vs. replacement recommendations with cost estimates
- No-pressure approach allowing time for decision-making
- Multiple solution options with pros and cons explained
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6. Your Roof's Biggest Enemy Isn't Weather - It's Poor Ventilation
What They Don't Tell You:
Most Rhode Island roofing failures aren't caused by storms or age - they're caused by inadequate ventilation that creates moisture problems, ice dams, and premature material failure.
The Shocking Truth:
- 90% of premature roof failures in Rhode Island involve moisture issues
- Ice dams cause $5 billion in damage annually nationwide
- Mold growth from poor ventilation can cost $10,000-$30,000 to remediate
- Energy costs increase 15-25% with inadequate roof ventilation
Rhode Island's Unique Ventilation Challenges:
Coastal Humidity:
- High moisture levels require enhanced ventilation ratios
- Salt air accelerates corrosion in poorly ventilated systems
- Condensation problems are worse near the ocean
Winter Ice Dams:
- Inadequate ventilation causes heat buildup in attics
- Melting snow refreezes at eaves, creating dams
- Ice dams force water under shingles, causing interior damage
Proper Ventilation Requirements:
- 1:150 ratio minimum (1 sq ft ventilation per 150 sq ft attic space)
- Balanced system with equal intake and exhaust ventilation
- Continuous ridge venting preferred over individual vents
- Soffit ventilation must be unobstructed by insulation
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7. The "Matching Shingles" That Will Never Actually Match
What They Don't Tell You:
Partial roof replacements and repairs often result in mismatched shingles that are obvious and can hurt your home's resale value. Manufacturers change colors and formulations regularly.
The Shocking Truth:
- Shingle lots vary significantly in color, even from the same manufacturer
- UV fading makes new shingles stand out against older ones
- Discontinued colors mean exact matches are often impossible
- Partial replacements can look patchy and unprofessional
When Matching Is Possible:
- Roof sections not visible from the street
- Repairs within 2-3 years of original installation
- Manufacturer can provide shingles from same production lot
- Gradual blending techniques are used
When Full Replacement Makes Sense:
- Visible roof sections that affect curb appeal
- Shingles more than 5 years old
- Multiple repair areas across the roof
- Preparing home for sale
Cost Considerations:
- Partial replacement might save 30-50% initially
- Mismatched appearance can reduce home value by $5,000-$15,000
- Future repairs will continue the matching problem
- Full replacement provides uniform appearance and warranty coverage
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8. Your Gutters Are Probably Destroying Your Roof (And Your Foundation)
What They Don't Tell You:
Improperly installed or maintained gutters cause more roof and foundation damage in Rhode Island than most homeowners realize. Many roofers ignore gutter issues because they don't install them.
The Shocking Truth:
- Clogged gutters cause 60% of foundation water damage
- Ice dams form when gutters can't handle snow melt
- Fascia rot from overflowing gutters costs $2,000-$8,000 to repair
- Improper drainage voids many roofing warranties
Rhode Island Gutter Challenges:
Fall Leaf Accumulation:
- Dense tree coverage clogs gutters rapidly
- Wet leaves create dam-like blockages
- Overflow damages soffits and fascia boards
Winter Ice Formation:
- Gutters fill with ice, preventing drainage
- Ice weight can pull gutters away from house
- Ice dams form when gutters can't drain properly
Coastal Corrosion:
- Salt air accelerates gutter deterioration
- Standard aluminum gutters fail in 10-15 years near coast
- Copper or stainless steel required for longevity
Gutter Maintenance Requirements:
- Cleaning 2-3 times annually minimum
- Inspection after major storms
- Proper slope for drainage (1/4 inch per 10 feet)
- Adequate downspouts** (1 per 35 feet of gutter)
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9. The "Lifetime" Metal Roof That Comes with a 20-Year Reality Check
What They Don't Tell You:
While metal roofing can last 50+ years, the fasteners, sealants, and accessories typically need replacement every 15-25 years. This "maintenance" can cost $5,000-$15,000.
The Shocking Truth:
- Fastener replacement needed every 15-20 years
- Sealant refresh required every 10-15 years
- Thermal movement causes gradual loosening
- Coastal exposure accelerates all maintenance needs
Metal Roofing Maintenance Realities:
Fastener Issues:
- Rubber washers deteriorate in 15-20 years
- Over-tightening during installation causes premature failure
- Under-tightening allows water infiltration
- Replacement requires removing and reinstalling panels
Sealant Deterioration:
- Butyl sealants last 10-15 years in Rhode Island climate
- UV exposure breaks down sealant compounds
- Temperature cycling causes cracking
- Failed sealants allow water infiltration
What This Means for Costs:
- Initial installation: $12,000-$25,000
- 15-year maintenance: $3,000-$8,000
- 25-year maintenance: $5,000-$12,000
- Total 50-year cost: $20,000-$45,000
Still Worth It Because:
- Asphalt shingles require 2-3 replacements in 50 years
- Energy savings offset maintenance costs
- Superior storm resistance
- Better resale value
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10. Your Roofer's "Insurance" Might Not Cover What You Think It Does
What They Don't Tell You:
Many roofing contractors carry minimal insurance that won't cover major property damage or worker injuries. You could be liable for accidents and damages during your project.
The Shocking Truth:
- Minimum liability coverage in RI is only $500,000
- Worker injury on your property could cost $100,000+
- Property damage from accidents often exceeds policy limits
Insurance Coverage You Should Verify:
General Liability:
- Minimum $1 million coverage recommended
- Property damage protection
- Bodily injury coverage
- Product liability inclusion
Workers' Compensation:
- Covers all workers on your property
- Includes subcontractors
- Valid certificate of insurance
- Current policy (not expired)
How to Verify Coverage:
1. **Request certificates** directly from insurance companies
2. **Call insurance companies** to verify active policies
3. **Check coverage limits** against your project value
Red Flags:
- Reluctance to provide insurance certificates
- Expired or soon-to-expire policies
- Coverage limits below project value
- No workers' compensation coverage
- Certificates that don't name your property within the certificate holder section of the certificate of insurance. (this typically needs to be requested)
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Bonus Secret: The Real Reason Your Roof Failed Early
What They Don't Tell You:
Most "premature" roof failures in Rhode Island aren't caused by defective materials or extreme weather - they're caused by installation shortcuts that save contractors time and money.
The Most Common Installation Shortcuts:
1. Inadequate fastening - using fewer nails than specified
2. Poor ventilation - skipping intake or exhaust vents
3. Improper flashing - using cheap materials or poor installation
4. Rushed timeline - not allowing proper cure times for sealants
5. Substandard materials - using lowest-grade options
How to Ensure Quality Installation:
- Specify materials in your contract
- Require photo documentation of installation steps
- Insist on proper permits and inspections
- Verify manufacturer certifications of installers
- Don't accept the lowest bid without understanding why it's low
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Conclusion: Knowledge Is Your Best Protection
Your Rhode Island home faces unique challenges from coastal weather, salt air, and extreme temperature swings. Armed with these insider secrets, you can:
- Choose contractors who prioritize quality over profit
- Avoid common scams that cost homeowners thousands
- Ensure proper installation that protects your family
- Maximize your investment with informed decisions
Ready for a roofer who tells you the truth? At Mighty Dog Roofing of Rhode Island, we believe transparency builds trust. Call (401) 425-4108 for a FREE drone inspection and honest assessment of your roof's condition.
Your family's moments matter. We'll handle the rest - with complete honesty.
Frequently Asked Questions
Q: How can I verify if my roofer is telling me the truth about needed repairs?
A: Get a second opinion from a licensed contractor, request photo documentation of all damage, and ask for specific explanations of why repairs are necessary. Legitimate contractors welcome scrutiny.
Q: What should I do if I suspect my contractor cut corners during installation?
A: Document everything with photos, contact your local building inspector, and consider hiring an independent roofing consultant for evaluation. Don't wait - address concerns immediately.
Q: Are there warning signs that my roofer might not be reputable?
A: Yes - door-to-door solicitation, pressure for immediate decisions, requests for full payment upfront, no local references, and reluctance to provide insurance certificates are major red flags.
Q: How much should I expect to pay for quality roofing in Rhode Island?
A: Quality installations range from $8-15 per square foot depending on materials and complexity. Beware of bids significantly higher or lower than this range - both can indicate problems.
Q: What's the most important thing to look for when choosing a Rhode Island roofer?
A: Local reputation, proper licensing and insurance, manufacturer certifications, and willingness to explain their process in detail. A good contractor educates rather than pressures.
MightyDogRoofing.com/Rhode-Island
Rhode Island Service Locations:
Ashaway, Barrington, Bradford, Bristol, Carolina, Central Falls, Charlestown, Chepachet, Clayville, Coventry, Cranston, Cumberland, East Greenwich, East Providence, Exeter, Forestdale, Foster, Glendale, Greene, Greenville, Harrisville,Hope,Hope Valley, Hopkinton, Jamestown, Johnston, Kenyon, Kingston, Lincoln, Little Compton, Manville, Mapleville, Middletown, Narragansett, Newport, North Kingstown, North Providence, North Scituate, North Smithfield, Oakland, Pascoag, Pawtucket, Portsmouth, Providence, Riverside, Rockville, Rumford, Saunderstown, Shannock, Slatersville, Smithfield, Tiverton, Wakefield, Warren, Warwick, West Greenwich, West Kingston, West Warwick, Westerly, Wood River Junction, Woonsocket, WyomingAshaway, Barrington, Bradford, Bristol, Carolina, Central Falls, Charlestown, Chepachet, Clayville, Coventry, Cranston, Cumberland, East Greenwich, East Providence, Exeter, Forestdale, Foster, Glendale, Greene, Greenville, Harrisville,Hope,Hope Valley, Hopkinton, Jamestown, Johnston, Kenyon, Kingston, Lincoln, Little Compton, Manville, Mapleville, Middletown, Narragansett, Newport, North Kingstown, North Providence, North Scituate, North Smithfield, Oakland, Pascoag, Pawtucket, Portsmouth, Providence, Riverside, Rockville, Rumford, Saunderstown, Shannock, Slatersville, Smithfield, Tiverton, Wakefield, Warren, Warwick, West Greenwich, West Kingston, West Warwick, Westerly, Wood River Junction, Woonsocket, Wyoming