What is RAPP?
RAPP — the Roof Asset Protection Program — is the ultimate, patented tool for roofing manufacturers to manage their warranted roofs across the entire company from one office, and greatly reduce their financial risk.
The ultimate, patented tool for roofing manufacturers.
RAPP gives you the ability to manage your warranted roofs across the entire company from one office — to manage your roof warranty portfolio, and to offer an approved maintenance plan for each warranty. Through our patented program, we will help you manage your customers’ roof assets and greatly reduce your financial risk.
As a roofing manufacturer, you face many issues managing your liability.
Four of them come up on nearly every warranted roof.
Long factory warranty terms
Your warranty liability by design can extend 10, 15, even 25 years.
Your liability for maintaining your factory warranties by design can extend for 10, 15, even 25 years and are often out of your control.
Uncontrolled roof traffic
Damage you didn’t cause, that you still end up paying for.
Does roof traffic on a warranted roof ever result in damage to the roof that you were not responsible for, yet you end up paying for some or all of the damage?
HVAC issues mistaken for roof leaks
Condensation problems billed to your warranty department as roof leaks.
Is your warranty department being asked to fix roof leaks that were actually HVAC condensation issues? Do your customers fight reimbursing you even when it is proven that the issue was not a roof leak? Do roof techs too often look for flashing issues around AC units instead of condensation issues — making unnecessary repairs?
Liability from change of use
New equipment added to the roof — damage that lands back on you.
Are you being asked to cover roof warranties that resulted from new equipment being added to the roof that damaged it, either by over-burdening it, or improper installation?
How roof warranties work.
The roofing warranty you provide your roofing customer is like an insurance policy for your roof system. Yet, unlike the way many other insurance policies work, this policy is paid upfront for its entire term — and even worse, you have little or no control of the roof. This exponentially increases your risk and expense. Let’s compare a manufacturers’ roof warranty to an auto insurance policy to see how this lack of control increases your risk.
Auto insurance companies have a named insured on the policy.
Often transferable
The warranty is named to the original or current building owner — and in many cases is transferable to a new owner.
Insurers require a list of drivers and run a report on each to assess risk — violations, age, and more.
No control at all
There is no control over who accesses the roof. Every vendor with equipment up there has free reign to service it.
If a vehicle is used for business, insurers want the type of business, use, and distance — it’s all risk assessment.
Priced by the square foot
Cost is set per square foot and ignores risk. A restaurant roof full of equipment is rated the same as a warehouse — and changes in use over time aren’t factored in.
How old is the vehicle? Is collision insurance needed?
Fixed up front
The cost of the warranty is decided up front and cannot be adjusted for inflation over the life of the roof.
What are the courts like in the insured’s state — do they defend stated insurance limits, or do they tend to rule in favor of the driver?
Nobody wins but the attorneys
Regardless of whether your warranty excludes coverage for the issue that caused roof failure, once a roof issue ends up in court it gets decided on the legal system’s terms rather than yours. Cases are rarely won outright, and the attorneys are typically the only ones who come out ahead.
Payment is based on an agreed replacement cost, usually averaged across multiple rating services.
No regional adjustment
Determined upfront, with no way to factor regional cost or usage differences (NYC vs. Lancaster County, PA). Real costs vary with the makeup of the roof and its equipment.
Ready to RAPP your roofs?
Talk with Gordy about fitting the patented RAPP Program to your warranty portfolio.