Q. I live in the ground floor of a 2 storey mid-terraced house in West Lothian (that's Scotland for all you non-UKers out there!) There is an extension with a flat roof to the back of my house, and 2 years ago, I noticed that there was some water staining to the ceiling. Knowing that flat roofs only have a limited lifespan, I paid a local builder £3000 to replace the roof with a new rubberised type which is meant to be more durable than the traditional felt. A couple of weeks after completion, I had bubbled plasterwork in my hallway and water running down the walls. I called the builders back who discovered that the water ingress was due to my upstairs neighbour not maintaining her property. She had a part brick and part wood porch structure outside her front door which was in a shocking state - no guttering, holes in the roof and render falling off. The builders confirmed that the stone work and render was absolutely sodden, and rainwater was running down through the brickwork and into my property. At this stage, I advised my neighbour of this, and she promised to get the problem rectified...and then did nothing. I chased and chased her for a year, getting nothing but a list of endless excuses and promises. I had to get Environmental Health involved as by this stage I had black, green and yellow mould growing on my walls, and about an inch of water on the floor everytime it rained. Environmental Health issued her with a Compulsory Order, giving her 6 weeks to rectify the problem. She ignored this, and Environmental Health did nothing when she breached the 6 week deadline. I decided to go down the legal route at this stage ( I know, I know, I should have done it way before then) and threatened the neighbour with legal action. This finally did the trick and she eventually hired a builder to knock down and replace the porch structure. He got as far as replacing the brick shed/cupboard part of it, and was due to come back and build on the uPVC porch part...but has disappeared without trace and with some of my neighbour's money. However, by this stage, my property appeared to be dry - there didn't seem to be any more water coming in, and the damp dissipated. At this stage, the insurance company (Halifax) agreed that their builders could begin the repairs on my house. They arrived today, removed the ceiling plasterboard...and discovered that the inside of my new roof is absolutely saturated, wet and black. The foreman thinks that the insurance company will not cover the cost of this, as the other walls appear to be dry but the roof is wet, so he thinks the Halifax may try to claim that there is a different cause to the original water ingress, as this has now stopped/dried. I am horrified by this - it is blatantly still the same cause as before, and even if they try to insist it isn't, surely I have proved that I have kept my property maintained (by, for instance, putting on a new £3k roof not even 2 years ago!)? Can they really refuse to pay out for this? (they didn't pay out for the initial roof (I tried to claim retrospectively after discovering the cause of the damage was my neighbour's negligence and not just wear and tear) as they hadn't surveyed it prior to the work starting and therefore couldn't be sure on the state of it beforehand, which was annoying but understandable). As I stand at the moment, I could be faced with once again repairing/replacing a roof which is less than 2 years old, which has not been damaged due to my negligence, and which would probably be damaged again since my neighbour's builder obviously hasn't rectified the problem fully. Where do I stand on this (bearing in mind I am in Scotland and I think the law is slightly different here)? Is is likely that the insurance company will not pay out, and is there anyway I can compel my neighbour to get this sorted once and for all? Thank you. Jo

A. I would contact the local court, because it sounds as though he's not being a nice fellow.

Q. I am thinking of starting my own roofing business, but I would like to know what I should be expecting to pay in insurance before I start doing my budget. I have little experience in finance and would like to carefully scrutinize the numbers before getting too invested. Before contacting agencies, I would like to have some idea of what they charge. Thanks!

A. General liability for a one man shop, is probably going to run you around $1500 a year, if you do NO flat roofs or hot tar. Workers comp for roofers, runs 25% of payroll, or $2500, whichever is HIGHER. Both of those are AUDITABLE, so be sure to compare both the premium, AND the actual rate they are charging you.

Q. I am looking for a roofer who has specific extensive experience with flat roofs that you can recommend from personal experience.

A. It would help to know where you are located. You can call the local BBB for references for roofers. You can find smaller companies on the builder bulletin boards at places like Lowes or Home Depot. A roofing supplier will have one of these boards too. Most will not recommend any one company, hence the use of the board for their business cards. Make sure and check references of other customers they've done work for. Flat roofs can be tricky and will tend to leak if not done correctly. Good luck.

Q. I went into the attic after the job was done......many of the 1x6 sheathing boards were beat up pretty good. it looks like they got broken up some when the shingle guys were putting nails through them. some of the boards have broken up parts as big as my hand that i can see right up through to the felt under the shingles. i feel like asking my roofer to redo this. i feel that these boards should have been replaced. it doesn't even look like i would be able to walk around up there without risking more damage .....roofer is coming to look at it today....what do you think? is this normal, or am i overreacting? thanks!!!!!

A. Some chipping of aspenite is normal if that is what you have one your roof you need to have them replace the boards with good ones any breaks or chunks or spots with holes will only show in the finish job as dips and sags and could leak later on worse in area`s with lots of rain and snow and wind even worse are roofs that have a low pitch or are flat a good job starts at the beginning -ie a is only as good as its foundation if your base it no good the roof will not last and could come crashing in and flood your house

Q. My girlfriends building a small greenhouse for our apartment balcony, and we were thinking it would be easier to build a greenhouse with a flat roof instead of a triangle roof, just like some commercial building have flat roofs. Is there a reason why every greenhouse I've ever seen has a triangle roof?

A. Well it would depend on the kind of material you are using. If it is a soft vinyl/plastic, then it could get ruined by rain. An angled roof lets the water run down the sides easier, while a flat roof can sometimes collect water, making the roof sag down or even burst if it builds up enough.

Q. I know this question is usually based on location, but... I have a flat roof house in the country. Flat roofs are awful. It always leaks. A neighbor suggested that we hire some of the local Amish to build a pitched roof, but had no idea how much they generally charge to do it.

A. I've found the Amish to be considerably cheaper, they use better supplies and their workmanship is much better. I got 5 estimates for replacing our roof on this 100+ year old home. Yeah, it's steep but not one of those with all the valleys and stuff. I threw the high and the low out immediately. Threw another one out because he was taking short cuts and when asked about it gave me a smart answer. The difference between the remaining two was about $500. The Amish quote was using 40 years guaranteed metal roofing, stainless steel screws, 2 x 4 lumber to screw the metal roof to and stainless steel snow breaks along with all the flashing and trim pieces were factory painted to match the roof and the insulation "bubble" wrap. The non-Amish quote remaining was still higher; no insulation, plastic snow breaks, plain old aluminum flashing and trim and 1 x 2 lumber. We went with the Amish quote and are extremely happy with the results! They really took their time and made each piece of trim fit properly even though this old house is anything but straight! They cleaned up all the debris and hauled it away also. And they were very nice to have around, very polite and pleasant. And they discovered our one gutter was plugged up and they cleaned it out for us while they were right there! The transformation was far better than we had expected. Not often (now days) does something exceed your expectations. The total was about $6,500 and that included 2 porch roofs and a patio roof with clean acrylic panels. We noticed that there was a good 10 degree difference in the upstairs during hot weather right away. And it does seem to be warmer but we really haven't had much cold weather yet but I'm sure we will be saving on the heat this year also!

Q. I am a commercial roofing contractor that specializes in industrial and commercial flat roofing systems. I am located in NY and work all through out the northeast does any one have suggestions how to reach my market very inexpensively?. I have been doing this for 30 plus years and I am completely net ignorant. I also am starting over and do not have the resources to market with traditional methods of mass mailings.. i know one of my competitors is getting many repair orders over the internet and I don't know how. Please help I am sick of hearing all these experts who really are not helping. i have an awesome reputation and already have been supplying limited service to fortune 100 companies. What can i do to find work or have people find me? I have a web site I just do not like it.

A. I do agree with John. The web doesn't give my business as much work as my reputation and word of mouth. That being said, I still put effort into my website. Do you have a friend that does websites. Maybe you could do some barter work. Join a builders exchange. knock on doors of contractors (take them donuts) also go to the small business administration http://www.sba.gov/ and S.C.O.R.E. http://www.score.org/index.html they helped me and there free check these websites below for builders exchange

Q. I am going to get some hard word flooring soon. it is going to be click-lock. right now my room has carpet that is about 27 years old. over the last 15 years I have sat on floor and layed on it to play video game or watch TV. this has caused the padding under the carpet to go flat. I'm definatly going to get some kind of chair to sit in on the new floor but if I were to sit or lay on hard wood flooring with out any kind of chair would the same thing happen ?

A. I have installed floorboards before and I doubt you could hurt the floor by just sitting while playing games or watching TV.