To anyone considering using Tosca Roofing for anything more than very
minor work, I highly urge you to carefully read the following:
In 2008, Tosca Roofing was a subcontractor under the general contractor
Millennium Homes and Development, Inc. for the construction of my custom
home. Tosca Roofing installed my under-layment and standing-seam metal
roof. The metal panels were made by McElroy. The metal roof covered
approximately 4000 square feet. Tosca's substandard work under
Millennium, along with massive defects in work done by other
subcontractors, led to a $119,195.18 insurance settlement accepted by my
wife and me in February, 2012. The portion of the insurance settlement
to correct the work of Tosca Roofing was over $60,000 for the removal
and replacement of the entire metal roof.
By accepting this
settlement, I agreed to no longer seek financial compensation from Tosca
Roofing, as well as Millennium Homes and other subcontractors who
participated in the 2008 construction; however, I would like to
summarize my experience for the public. The paying insurer was Bankers
Insurance of Saint Petersburg. They were the insurer for Millennium
Homes and not for Tosca Roofing. Note also that Bankers Insurance calls
this the settlement of a doubtful and disputed claim and that the
payment is not an admission of liability. We interpret this wording to
be Bankers' method of protecting themselves and Tosca Roofing. My wife
and I do not and will not seek any further compensation, action, etc as
we agreed to in the settlement; however, nothing in the settlement
restricted our right of free speech about what we've experienced. I've
waited these several years to comment on Tosca's work because I suspect
that some companies are afraid of those who speak their mind on online
review sites; now that repair and reconstruction is underway, it's time
to speak out. I have limited my comments strictly to observable
conditions and direct conversations.
After the expiration of our warranty, not knowing that contractors are
licensed with the state, I had filed a complaint with Hillsborough
County. They sent an inspector at my request to view and judge the
problems. I then learned about the state DBPR and later, that the only
effective means of getting financial compensation is through the courts
or arbitration. I finally located the hard-to-locate general
contractor who filed the insurance claim. The insurer sent their own
inspector who also viewed the problems we experienced.
The facts are as follows:
-During the warranty
period (the year following closing), I showed Enrique 'Rick' Tosca,
owner of Tosca Roofing, an extreme number of rust spots on the many
areas of the roof that I could safely observe. He told me that his crew
must have not cleaned the roof (paraphrased: "from small metal filings,
dust", etc). He initially took no action to remove the rust spots and
told me to wait until the rain could wash them off; however, although
the rain did wash away a large amount of them, it only reduced hundreds
of thousands of spots to thousands of spots. After my continued
complaints, months later Tosca had his on-site supervisor begin an
attempt to remove the spots with a spatula-like tool. The supervisor's
attempt to remove even a small area of rust failed as the spots had set
into the finish by that time. Tosca offered no other repair or
replacement measures to me. These rust spots invalidated my metal panel
finish warranty on all affected panels per a letter received from the
panel manufacturer.
-Tosca omitted the installation
of flashing around my entire patio roof where the flat-roof material met
with the metal roof.
Much of my house wraps around this large
patio. Flat-roof coverings are short-life materials (12 to 15 years
according to other roofers and suppliers). Metal roofs are normally
considered a 'lifetime' roof because they're intended to last a very
long time. This
omission of flashing resulted in forcing us to remove
extensive areas of metal roofing to allow the replacement
flat-roof-covering materials to under-lap the metal; this is needed
at that transition. Also, replacing part of the panels raises the issue
of whether a good color-match metal would be available from the
manufacturer to match the original panels; however, the rust issue makes
this to an exacerbation of the overall problem due to the need to
replace the entire roof due to rust. When I asked Tosca about the
flashing, he said he omitted it because screws would be exposed; another
roofer told me that two-part flashing eliminates exposed screws.
Exposed screws cost very little to replace if rusted. Rustproof screws
are available. Another roofer said that special screws are available
for metal roofs that are designed to be exposed. Regardless of
flashing method considered or the use of screws, the omission of
flashing and the rust created a huge forthcoming financial burden for us
for either cause.
-After warranty expiration, the
county inspector discovered that flashing was omitted at two critical
junctures between the metal roof and the down-slope edge of the patio
roof. In those locations, pieces of vertical flat metal were substituted
for flashing. He told me that these metal pieces were not flashing but
only looked like flashing after sealant was applied. He also told me
that this flashing was normally the roofer's responsibility. However,
there might be a slight chance that the vertical pieces were installed
by someone other than Tosca. Nevertheless, Tosca failed to install
flashing in those locations and this created the water intrusion into
the main beam of the patio roof. The resultant ongoing leakage into the
main beam required me to replace that beam for safety as it threatens
collapse from rot due to the water intrusion.
-Tosca omitted counter-flashing on both side walls of the chimney.
-Tosca failed to apply sealant under the ridge caps and hip caps behind
the Z-bar junctions with the standing seams. Much
of the Z-bar was
cut in a manner that allowed excessively-large gaps between the Z-bar
and adjacent standing seams. Some allowed insertion of a pencil or
finger. Three of these gaps were over 1.5 inches wide. No sealant was
found behind any gap. This omission provided an entry point for
wind-blown rain to enter through these gaps and get under the metal
panels. One gap was so large at an angle change (hip to ridge) that we
could see through it to the trees on the other side. When I asked Tosca
to reinstall these areas correctly, he just stayed silent and offered
no correction; To be accurate, this request was made after the first
year following closing.
-We experienced two occurrences of water intrusion in a 'gooseneck' cap
over fan vents. The first was over the master
bathroom and Tosca
stopped it under warranty with only sun-exposed exterior sealant which
peels and curls with time. The second happened following the insurance
settlement, but is worth noting as follows: During rains, water trickled
out of a kitchen electrical outlet near a kitchen microwave which has a
roof gooseneck over its fan vent. Subsequent electrical problems were
the
possible cause of a trashed microwave control panel and adjacent