A fresh blanket of snow can make your home look like a winter wonderland, but it can also hide a serious threat to your roof and interior: ice dams. At FRS Roofing + Gutters, we've seen firsthand the damage these icy formations can cause. Understanding how they form is the first step in protecting your home.

What is an Ice Dam and How Does it Form?

As illustrated in the diagram above, an ice dam is a ridge of ice that forms at the edge of a roof and prevents melting snow (water) from draining off the roof. The process is a cycle of melting and refreezing caused by a difference in temperature on your roof’s surface.

Here’s a breakdown of the process shown in the image:

• Heat Loss: The process often begins inside your home. Heat from your living area escapes into the attic through inefficient insulation or air leaks.
• Snow Melt: This escaping heat warms the upper portion of your roof deck, causing the snow on top to Melt.
• The Freeze: The melted water runs down the roof towards the eaves. Since the eaves overhang the house and are not warmed by the attic heat, this section of the roof remains Cold.
• Dam Formation: When the runoff reaches the cold eaves, it refreezes. Over time, this ice builds up, forming a solid Ice dam.

The Hidden Danger: Water Penetration

The ice dam itself isn't the biggest problem; it's what happens next. As more snow on the upper roof melts, the water flows down and gets trapped behind the ice dam. With nowhere to go, this pool of water backs up and can seep under your roof shingles.

This leads to Water penetration into your home, as shown in the diagram. The water can leak into your attic, ruin insulation, rot roof decking, and eventually damage your ceilings, walls, and floors inside.

How FRS Roofing + Gutters Can Help

Don't wait until you see a water stain on your ceiling to address the issue. The key to preventing ice dams is to keep your roof at a uniform temperature. FRS Roofing + Gutters offers comprehensive solutions to tackle the root causes and protect your home:

• Attic Inspection & Insulation: We can assess your attic to ensure you have proper insulation to keep heat in your living space, not in your attic.
• Ventilation Solutions: Proper attic ventilation helps keep the roof deck cold, preventing snow from melting unevenly.
• Professional Snow Removal: Safely removing heavy snow from your roof can prevent the meltwater that feeds ice dams.
• Ice Dam Removal: If you already have an ice dam, our team can safely and effectively remove it without damaging your roof.

Protect Your Home This Winter

Ice dams are a preventable problem. Let the experts at FRS Roofing + Gutters help you keep your home safe and dry this winter.

Contact us today for an inspection!

🌐 Visit our website: https://frsroof.com/

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Homeowners are facing new risks when hiring contractors 2025.

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A Homestead Act for the 21st Century

When the U.S. authorities desired for people to settle the western frontier, they gave them land, no longer a loan. Today, when the authorities seeks to promote domestic ownership, it promotes affordable debt. That creates awful incentives and dangers economic instability. American history teaches us that the authorities subsidize home equity, now not mortgage debt.

The Homestead Act of 1862 targeted that all people over 21 may want to gain a provide of a hundred and sixty acres of public land. After living on and farming the land for five years, consisting of building a home and paying a submitting fee of $18 (about $425 in present day dollars), the land would be theirs.

Mortgage subsidies through federal corporations are the modern-day model of the Homestead Act. But in contrast to the land provided in the nineteenth century, government loan subsidies have confirmed to be a as an alternative horrific idea. They drive up prices and expand the dimension of the average house, at the equal time that they motivate humans with little savings and quite variable incomes to buy houses and shoulder the risks of residence fee fluctuations. The end result — as we saw in the “subprime crisis” — used to be ruinous for the borrowers, the lenders and the economy as a whole.

Astonishingly, the Federal Housing Finance Agency (FHFA), the regulator of Fannie Mae and Freddie Mac, seems inclined to replay this catastrophe movie. It is working to provide government guarantees on mortgages the place debtors put down as little as three percent of the buy price. In the face of opposition from the Federal Housing Administration — which additionally aggressively subsidizes housing debt — Fannie’s chief these days emphasized that it “wants this business.”

Taxpayers and economic regulators must be appalled. Instead of decreasing minimum down payments, the U.S. authorities have to be raising them to reduce the likelihood of default and protect the monetary system.

Naturally, many human beings would gain from a return to the pre-crisis fame quo. There are the federal agencies’ own employees and managers; actual property brokers; loan originators and servicers; builders and development workers; and finally, the homeowners who can borrow up to $625,500 (the present day restriction for loans in high-cost areas that conform to Fannie and Freddie’s guidelines) at a below-market rate.

Collectively, the Congressional Budget Office (CBO) estimates that Fannie and Freddie subsidies for new mortgages over the duration 2015-2023 will common around $2.5 billion per year. The recipients of these advantages are so numerous that is challenging to imagine how you would begin to arrange tremendous political opposition.

One might hope (as policymakers did) that these housing subsidies raise U.S. home ownership. Yet, no matter the big federal interventions, the rate of U.S. domestic ownership currently stands at sixty five percent, the lowest stage due to the fact 1995.

Whether boosting home ownership further is a priceless coverage purpose is debatable. In Germany and Switzerland, two prosperous nations, roughly 1/2 of the residents are renters.

But if U.S. policymakers insist, they need to comply with the example set through President Abraham Lincoln in 1862. First, to be wonderful in boosting home ownership, focus the subsidy on first-time consumers or on homes below the present day median sales price of current houses of $210,000. Second, to decrease the danger of monetary instability, radically change the subsidy from debt aid to an equity increase of roughly equal aggregate size.

Call it a twenty first century land grant.

Imagine, for example, if the federal authorities were to in shape $1 for $1 for low-income households that had saved 10 percentage of the value of a starter home, giving them ample capital to put 20 percent down. Keeping the annual cost at the CBO’s estimate of $2.5 billion, that would permit the government to subsidize 200,000 purchases of $125,000 residences each and every year. With a higher fairness cushion, the resulting mortgages would be less risky and less difficult to securitize. And the equity subsidy also would promote some other key public aim — namely, greater personal savings.

It’s convenient to see why politicians like debt subsidies. Measuring them is complex, making concealment easier. Debt additionally postpones the day of reckoning, transferring the eventual burden from modern to future taxpayers. Yet, with the aid of now, we should all recognize how unstable and unfavourable this strategy can be, even for the backed borrowers.

A Homestead Act for the twenty first century that terminates mortgage subsidies can support U.S. home ownership and end the threat to our prosperity posed with the aid of today’s device of housing finance. If we can’t attain that purpose today, the least we should do is to halt authorities moves to make the debt subsidy even riskier.

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How to Get the Best Rate On Your Mortgage…

Buying a domestic is a big financial commitment. Finding the right loan (and how to get the quality mortgage rate) can be a difficult procedure — particularly for first-time homebuyers. Comparison shopping is the key to getting the nice deal, and you’ll desire to ask yourself, “How much residence can I afford?” before getting too a ways into the process.

Here are six important questions to consider when figuring out which loan is right for you:

• Should I get a fixed- or adjustable-rate mortgage?
• Should I pay for points?
• How much should I expect to pay in closing costs?
• Do I qualify for any special programs?
• How much can and should I put down?
• Any other insights on how to get the best mortgage rate?

Should I get a fixed- or adjustable-rate mortgage

1. Mortgages usually come in two forms: fixed or adjustable rate. Fixed-rate mortgages lock you into a constant interest rate that you’ll pay over the life of the loan. The part of your personal loan charge that goes towards principal plus pastime stays steady in the course of the mortgage term, although insurance, property taxes and other prices might also fluctuate.

The hobby price on an adjustable-rate mortgage fluctuates over the lifestyles of the loan. An ARM normally starts offevolved with an introductory duration of 10, seven, 5 or even one year, at some stage in which your pastime charge holds steady. After that, your charge changes based totally on an activity price index chosen by way of the bank.

ARMs seem to be excellent to a lot of homebuyers because they generally provide lower introductory rates. But remember, your price should go up after your introductory period, so be sure you’re blissful with the threat your monthly personal loan fee could rise drastically in the future. As you attempt to figure out how to get the fine personal loan rate, use the terms of the mortgage to calculate what your payment would possibly appear like in distinct charge scenarios.

2. A point is an upfront price — 1% of the complete mortgage amount — paid to decrease the ongoing pastime rate by means of a constant amount, generally 0.125%. For example, if you take out a $200,000 loan at 4.25% interest, you might be able to pay a $2,000 rate to reduce the rate to 4.125%.

Paying for factors makes feel if you layout to maintain the mortgage for a lengthy time, but considering that the common owner of a house stays in his or her house for about 9 years, the upfront prices frequently outweigh pastime price savings over time.

Alternatively, there are poor points. It’s the opposite of paying points: A lender reduces its fees in trade for a higher ongoing activity rate. It’s tempting to decrease your upfront fees, however the extra pastime you pay over the lifestyles of the loan can be significant. Carefully think about your short-term financial savings and your long-term costs earlier than taking poor points.

3. Closing prices normally amount to about 3% of the purchase charge of your domestic and are paid at the time you close, or finalize, the buy of a house. Closing prices are made up of a variety of expenses charged by means of lenders, consisting of underwriting and processing charges, title insurance costs and appraisal costs, amongst others.

You’re allowed to keep round for lower expenses in some cases, and the Loan Estimate form will tell you which ones those are. Shopping for the proper lender is a appropriate way to discover the satisfactory loan rate, and shop money on a mortgage and related fees.

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Spring has finally sprung in West Michigan, and Premier Roofing & Exteriors is celebrating by offering $500 off any new roof!We’ve delivered high-quality results to over 5,000 happy homeowners in the greater Boston area and beyond. Our friendly reps work with you to choose the best roofing options at affordable prices, and we’re committed to being fast, thorough, and friendly. As a locally owned and operated roofing company, we care about our community and know how to make a roof stand up to New England winters.To take advantage of our $500 Off Spring Special, call us at (781) 322-6252 or fill out our Free Estimate Form. Be sure to act fast, though — this offer expires May 31st, 2019.

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Admin Assistant

Our Company:  We have built our construction company on integrity, hard work and a great reputation. Our growth to a multi-million dollar company was been solely through word-of-mouth.   

In 2019, we expect to grow double in size.  Our growth projection opens an opportunity for the right person to become our Project Manager or another role in the company.  No matter what skill level you come in with – we will require extensive training.  We are partnered with a major corporation and several financial institutions.  We serve the customer and we do things right!   

Organized: You are hyper-organized, capable of moving from one different task to another… and can stay on task and on time.   
 
Creative: You think outside the box and realize that you can’t take one-size fits all approach to supporting managers, and you don’t want to. You learn from your mistakes; you are undaunted by error and persist forward.   

Chaos:  You know that chaos arrives before a breakthrough – you walk through it with poise. 
 
Analytical: Numbers are your friends. You have a sense for what metrics your managers are looking for to run their businesses and can help create systems for getting that data to them quickly and regularly. You are always looking for ways to make collecting and distributing information look easy. You are a data beast! 

You will assist in the total operations of a roofing installation company.  Prospects for roof installations are found through paid ads, call center outreach, Internet Marketing.  Leads are followed up by salespeople. Roof installations are sold by sales people.  Some are cash, some are financed.  Roof installations are scheduled by salespeople and installation managers.  Schedules are interrupted by weather, materials, priorities, etc.  Installations are completed and problems often arise in the process of installations. Neighbors are unhappy.  Final payment is finalized.  You will be the first contact. 

You will schedule sales calls, research properties, scour the internet using The New MLS system for realtors. You will find target prospects for roofs and real estate.  You will learn the roofing/construction business and get hands on involved.   

What else will you learn:  

– How to use Quick Books Pro 

– Use a CRM (customer relationship management) Software 

– How to price construction jobs and how the foreclosure and short-sale business works 

– Post to Facebook, Linked In, Pinterest, Instagram 

The ideal candidate will be enthusiastic about learning. Preference to bi-lingual (Spanish/English) and/or avid SOCIAL MEDIA user/enthusiast. 

You may… 

– Communicate and/or manage logistical details: schedule sales leads, manage purchase/delivery  

of materials, obtain permits, etc. 

– Monitor deadlines for your administrative manager. 

– Conduct local marketing efforts/meet with prospects 

Requirements:  

– Have an attitude of service – gee! How can I make the customer feel comfortable 

Flexible attitude and good judgment  

– Love – love people.  Like meeting new people and enjoy learning about them… NOT telling them all about you! 
  (by the way that is one of the keys to creating lasting relationships – its about them… not you!) 

– Proficient in Word, Excel, Internet 

– Must be a good listener and MUST BE ABLE TO TAKE DIRECTION  

– Possess a valid driver license & have your own transportation 

– Good appearance & Good communication skills 

– Be able to work independently: computer work/phone sales/scheduling staff/materials  

scheduling or making runs for materials  

– Must be able to interface with customers in a polite professional manner 

– MUST BE on time and dependable 

– Must have your own transportation 

– Superb phone skills and the ability to establish solid rapports with prospects/customers  

– Bi-lingual candidates are very desirable (Spanish/English).

To Apply: Email us your resume or prior experience to Jobs@FRSRoofingInc.com (No phone calls please)

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Construction Salesperson

Salary:   Starting at $30,000 – $40,000 salary / 10% commission / plus-plus

Our Company:  We have built our construction company on integrity, hard work and a great reputation. Our growth to a multi-million dollar company was been solely through word-of-mouth.   

In 2019, we expect to grow double in size.  Our growth projection opens an opportunity for the right person to become our Project Manager or another role in the company.  No matter what skill level you come in with – we will require extensive training.  We are partnered with a major corporation and several financial institutions.  We serve the customer and we do things right!   

This year, we are aggressively putting our funds into marketing and sales.  We are creating a first class sales team; we have top quality craftsmen/installer teams and competent supervision.   

Our Sales Training program:  Best in the business.  Most expensive in the construction business.  The TRAINING is the chosen program for Owens Corning and the largest home improvement companies in the US.  When you are skilled in this training – you will get 5 out of 10 sales.  You will be better than any of your competitors.  

What does that imply? – we will do our best to keep you – because you will be really  valuable! 

Our relationships: Owens Corning, National Banks & Home Improvement Finance Companies 

Our commitment:   

• Provide valid leads daily (1.5 to 3 leads per day – we set the minimum together!)   
• Provide you with top quality training.  Access to an on-line sales university contracted with our company.  Limitless possibilities.   

Your opportunity:   

• Become a nationally recognized salesperson 

• Make over $100,000 per year (top sales make over $200,000) 

We are looking for an Customer Service/ Sales Person to join our construction company in the Boston Area.   Some of the position’s responsibilities will include:  

Responsible for the assisting in the planning, coordinating and managing all company projects 
Developing clear concise proposals/contracts;  
Communicating these agreements to Production/Installation 
Co-responsible for positive customer relations/experience with installation and administrative staff Attending to/communicating about and following up with all company leads 

The salesperson becomes: 

• The problem solver for the customer 

• The “face of the company”  with everyone he/she communicates  

Job Requirements: 
You should like people!  Genuinely enjoy meeting new people. 
The willingness and drive to learn 
Reliable transportation. 
Valid Driver’s license 
Prior Sales experience would be a plus, but not required – why? We are willing to teach the right people with the right attitude! 
Bi-lingual is a plus (Portuguese or Spanish)– but not required 
 
A background or knowledge in construction and roofing would be helpful – but it is not a requirement.  Customer service is the backbone of our company and is the most important quality. 

Please reply with attached resume for immediate consideration. Positions will be filled quickly.  Though you will have control of your schedule, you must be able to work a flexible schedule, including days, evenings and Saturdays. Valid drivers license, auto insurance and reliable vehicle are all necessary requirements. 

To Apply: Email us your resume or prior experience to Jobs@FRSRoofingInc.com (No phone calls please)

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Construction Project Manager

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