Disclosures | Lockridge

claims-scope-ga

Prescribed text · Georgia Department of Insurance and the Georgia criminal code— not yet verified against the primary source

Lockridge Roofing & Exteriors is a roofing contractor. We are not public adjusters, we are not attorneys, and we do not negotiate or adjust insurance claims on your behalf — that is a licensed activity in Georgia and we do not do it.

We document damage, we provide you and your carrier the same written scope and the same photographs, and we meet your adjuster at your home.

We cannot and will not waive, absorb, discount, rebate or pay any part of your insurance deductible, in any form, including by inflating an estimate, adding a line item, or calling it a discount. Georgia law makes that a crime — for the contractor and potentially for the homeowner.

Whether to file a claim is your decision, made with your agent. We cannot guarantee that your claim will be approved and we cannot predict what your carrier will pay.

https://oci.georgia.gov/

Short form

We document damage and meet your adjuster. We do not negotiate claims and we cannot touch your deductible — that is licensed work and, in the case of the deductible, a crime in Georgia. A free inspection is not a claim.

reg-z

Prescribed text · Consumer Financial Protection Bureau — Truth in Lending Act, Regulation Z, 12 CFR 1026.24

https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.24

reg-z-deferred

Prescribed text · Consumer Financial Protection Bureau and the Federal Trade Commission — Regulation Z, 12 CFR 1026.16(b) and (c); FTC guidance on deferred-interest advertising

This is a deferred-interest promotion. It is not a zero-rate loan.

Interest begins accruing on the full purchase amount on the date of purchase. If you pay the entire balance in full before the promotional period ends, all of that accrued interest is waived and you pay nothing extra.

If any balance remains when the promotional period ends — even a small one — the entire amount of interest accrued since the purchase date is added to your account at once. Not interest on what is left. Interest on the whole amount, for the whole promotional period.

Making only the minimum monthly payment will not pay the balance off within the promotional period. That is how these programs are designed. If you intend to use this offer, divide your balance by the number of promotional months and pay that.

Financing is provided by a third-party lender and is subject to credit approval. Rates, terms and promotional periods are set by the lender and may change. Not all applicants qualify. See your lender agreement for the complete terms.

https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.16

warranty-specificity

Prescribed text · Federal Trade Commission — Magnuson-Moss Warranty Act, 15 U.S.C. §2301 et seq.; 16 CFR Part 701

https://www.ecfr.gov/current/title-16/chapter-I/subchapter-G/part-701

inspection-not-a-claim

House rule · Unthought house rule, under Federal Trade Commission Act §5 (deceptive practices)

epa-rrp

Prescribed text · Environmental Protection Agency — 40 CFR Part 745 Subpart E (Renovation, Repair and Painting Rule), administered in Georgia by the state environmental agency under an EPA authorization

https://www.epa.gov/lead/renovation-repair-and-painting-program

license-display

House rule · Unthought house rule, alongside O.C.G.A. Title 43 Chapter 41 (residential and general contractors)— not yet verified against the primary source

contact-consent

House rule · Unthought house rule