P1-Sandpiper Living-Vol.555

Steve Frontera Roofing: Your Roof is Their Business

When it comes to home improvement, there is nothing more essential than a superiorgrade roof. A roof protects you, your family, and your valuable possessions from rain, lightning, pests, and falling debris. A new roof also adds value and curb appeal to your home, plus makes it much more energy e cient. With all the weather-related concerns associated with living in the beautiful state of Florida, there tends to be an abundance of roo ng companies available. Do your homework, however, and do not trust this crucial home improvement to just any company that pops up on a Google search! You need to choose a reputable business with professionals who will expertly complete your roo ng project, like Steve Frontera Roo ng.

Steve Frontera, owner and operator of the company, has been in the roo ng industry for quite some time. He began working as a roofer for his

uncle’s company, Harold Turner Roo ng, in 1978, when he was just a teenager. When his uncle passed away, Steve didn’t want to let his hands-on experience and knowledge of the roo ng industry go to waste. So, he earned his Florida roofer certi cation and opened Steve Frontera Roo ng in 1993.

A BUSY, THRIVING COMPANY BUILT ON REPUTATION

Today, Steve has a sta of 30 employees, including customer service representatives and sales support sta . Steve Frontera Roo ng is a professional, fully-insured company that handles all roo ng needs, such as maintenance programs, extended warranties, reroofs, and new roofs for residential and commercial properties.

Steve Frontera Roo ng has an o ce located in Palm City, so customers can see samples of steel, tile, and shingle roo ng

By Gina Zuk

products. Steve amusingly states, “If it keeps water o your head, we do it!”

e sudden boom in new construction, along with insurance company demands for periodic inspections and the overall economy, keep roofers in business. Customers, however, also rely on Steve Frontera Roo ng because it is a long-standing, top-rated roo ng company with a handson, experienced owner. Steve proudly says, “We are a very clean, honest company. I am highly involved and visit every one of my job sites, every single day.”

NO SHORT CUTS

Steve Frontera Roo ng only uses lifetime products from preferred, LOCAL manufacturers such as Palm City’s own Extreme Metal Fabricators and Boral from Pompano Beach, both known for

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superior roo ng products. Although all of Steve Frontera Roo ng’s manufacturers provide a warranty for materials, Frontera also o ers a 5-year, no-leak warranty for shingle roofs, as well as typically a 10-year, no-leak warranty for metal and tile roofs. Steve explains, “We do not cut corners. We always use high-end products from high-end local companies.” Steve goes on to say, “Low-quality products will usually cause a roof to break down before its warranty. We try to use the maximum quality products to get to our warranties. We like our customers, but we don’t want to see them for 10 years.”

TREAT YOUR ROOF LIKE YOUR CAR

Like caring for a car, roofs also require maintenance. Steve highly recommends a roof inspection every 10 years, even though insurance companies will require you to inspect the roof at the 15 year mark to avoid policy cancellation.

If you should need a roof repair or replacement, Steve Frontera Roo ng makes customer service a priority. e company likes to strive for a 24-hour call back for repair or roof estimates. “When a customer calls, the customer won’t wait for an estimate. We are very on top of our estimates. We try to get the information back to the homeowner or business owner as quickly as we can,” assures Steve. Additionally, verbal inspections are always free. Written inspections with photos do have a fee, but that fee will go toward the price of the contracted project.

Steve Frontera Roo ng is an honest, reputable company that o ers fair, competitive, square foot prices. Steve explains, “We follow the market because labor and materials constantly rise and fall, so our prices will follow the average market.” Discounts are periodically o ered, including discounts for our military veterans.

When you make the decision to use Steve Frontera Roo ng to replace your roof, you receive service like none other, including an on-site supervisor throughout the entire job. ey seamlessly manage all the necessary permitting, debris removal, and

property protection. You don’t have to see an unsightly dumpster crowding your driveway or garage each night because the company uses trucks to discard any debris, leaving your job site perfectly clean at the end of the day. Additionally, residential and commercial properties are appropriately protected with plywood and tarps, and the company ALWAYS keeps protectiongrade tarps on site. An expert roofer is also a meteorologist who monitors weather trends, so Steve explains, “We never start a project if we know we have a hurricane coming within 10 days.”

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Steve Frontera Roo ng can begin a job approximately six weeks a er a contract is nalized. Best of all, when supplies are available, they can have your brand new roof on your home in usually ve days or less!

When it comes to your residential or commercial property, Steve Frontera Roo ng has you covered!

Steve Frontera Roo ng is located at 3520 SW Armellini Avenue, BAY A, in Palm City. To schedule your FREE verbal estimate, call 772-742-4040.

Busbin

Final

Priority

Rocky’s

TruckMax-Ft.Pierce

BEAUTY

Azul

Absolute

DINING & ENTERTAINMENT

Castrogiovanni

Estella’s Pizzeria

Great

Leisure

PDQ PSL

FUNERAL HOMES & CREMATION

Bell’s Funeral Home 34

Rolling Oaks Cemetery

HOME IMPROVEMENT

A Great Fence LLC 13

Accent

Affordable and Superior Painting.............20

Alliance Group Roo ng 36

American

Apex Painting Solutions 69

ARC Welding and Fabrication...................42

Baron Roo ng 39

Benjamin Franklin Plumbing....................45

Blinds Tomorrow 34

Brilliant

Brite

Brother’s Gutters Treasure Coast 39

Choice Roo ng of Florida.........................26

Closets By Design 14

Complete Sliding Doors 29

Cooke’s Plumbing and Septic 75

D and D Garage Doors 68

Dan’s Fan City .......................................... 30

Diamond Quality Roo ng 70

Dom Bella Plumbing ................................ 33

Du-All Plumbing 71

E-Z Flooring and Granite .......................... 69

Entry Point 37

First Impression Doors and More ............ 16

Frank Cleaner Service and Paver Repair 43

Frank Leiro Master Craftsman ................. 36

Freedom Air & Heat 61

Generator Supercenter of the Palm Beaches 38

Home Improvement by MG Garcia ........... 52

IMA Irrigation 42

IMA Landscaping ..................................... 43

Impact Experts 64

J Guerne Landscape ................................ 60

Jay’s Floors and More 40-41

JB Roo ng ............................................... 29

Kamrell Windows and Doors 79 Kitchen Liquidators .................................. 72

Kurbing.Com 47

M & P Painting Pro ................................... 67

Marzo Roo ng Inc 50

Max Guard Enclosures ....................... 56-57

Max Guard Hurricane Windows 58-59

Mighty Duct Specialists ........................... 66

Mister Roof 25

Mr. Rooter Plumbing ................................ 49

Oasis Brick Pavers 28

One Week Bath Florida Frameless ........... 46

OX Floor Coating 19

P and S Seamless Gutters ....................... 26

Panariello Brothers 63

Paradise Pools ......................................... 20

Pioneer Plumbing 28

Plantation Shutters Florida ...................... 65

Pride Air Conditioning 51

Quality Air of America .............................. 17

RJA Siding Inc 29

RK Services Painting ............................... 55

Ryan Brody Painting 46

Shoreline Roo ng and Repair .................. 31

Shoreline Roo ng Division 55

SMC Flooring ........................................... 28

Solar Energy Systems 68

Southeast General Contractors ................ 52

Steve Frontera Roo ng 4

Stott Brothers Electric ............................. 69

Tracy D Steele Air Conditioning 74

Treasure Coast Aluminum Products ......... 30

Treasure Coast Roo ng 60

Universal Air and Heat 15

Veteran Screen & Aluminum Products 46

Wholesale Mulch LLC 79

Window and Door Storm Protection 66

INSURANCE & BENEFITS

Great Florida Insurance 53

Ocean Breeze Insurance .......................... 25

Ocean Point Claims 18

Senior Solutions Insurance Agency ......... 39

Stellar Public Adjusting 50

JEWELRY

LSO Jewelers ........................................... 11

The Watch and Jewelry Hospital 33

MEDICAL & HEALTH

A’s Progressive Dental ............................. 43

Dentistry By Design 65

Elite Health & Wellness ............................ 32

Goals Weight Loss....................................67

Grab Bar................................................... 62

Lucie Dental 10

Med Leaf LLC ........................................... 32

MMJ Health 12

Nutrition Smart-PSL.................................21

Schmidt’s Optical 6-7

Senior Solutions ...................................... 75

Trilogy Medicinal-Medical Marijuana Cards ................................... 47

PROFESSIONAL SERVICES

All Dry USA 2

Dryer Vent Cleaner, The ............................ 42

Evict A Bug 30

Keaney Financial Services ....................... 24

LSS Bookkeeping and Accounting 30

Marine Acquiring Gear Again LLC ............ 48

My Stack Box Storage 3

Pristine Appliance Repair LLC .................. 48

Q’s Dryer Vent Cleaning 62

The Estate, Trust & Elder Law Firm,PL ..... 50

Wet Out Restoration 27

'Tis e Season For e Markets

By: Emmelis Keaney

Though not an exact measure, a 20% stock market drop from the most recent high is what we call a “bear market”. It consists of lows, followed by lower lows, with minor highs that don’t reach the previous high.

e Holiday season quickly approaches and with it comes a lot of typical seasonality elements. e stock market is not oblivious to that. In nance, seasonality of the markets is a technical analysis approach that studies the stock market over a calendar year with the intent to establish predictable patterns. "Tis the season to be jolly"? Maybe.

Retail stores typically show strong numbers following the anksgiving holiday and especially a er Black Friday in the U.S. But when concerns over the economy accelerates, consumer spending tends to contract. Nevertheless, shoppers are expected to spend nearly $1trillion on gi s and holiday items this year.

Americans continue to spend amid in ation being at 8.2%. Enthusiasm over the upcoming holiday season is on the rise. A NASDAQ article from last month suggested that retailers expect consumers to spend the same amount of money this holiday season, but for a lesser number of goods. Yes, that means expect fewer presents, because the items you bought last year, for example, will now cost you at least 8.2% more when adjusted for in ation.

According to Salesforce, 37% of U.S. consumers will begin their shopping early to take advantage of deals prior to prices rising. e Dublin based company Accenture estimated that one-third (35%) of shoppers would stick to a holiday budget.

While all these factors may indeed a ect company revenues (therefore creating a stock price rise or decline), the reality of the holiday seasonal trends in the markets may be more associated to factors such as trading volume than anything else.     All things normal, you may see increased volatility in the stock market as we approach anksgiving, Christmas and New Year’s Eve, as in years prior. ese uctuations can be largely attributed to the fact that the markets are closed on these days, and for half of Black Friday. Investors will try to get their trades in prior to the market close before the holiday and realize their gains and/or losses as they approach the end of the tax year. With the festivities going on, traders also spend less time trading, and more time enjoying other things such as quality time with loved ones, and less time trading. Yes, traders and investors are people too. Overall, the volume of trades is lower than normal during the holiday season.

Trends are not set in stone. 2022 has been year full of unprecedented shi s in the economy and increased uncertainty in the markets. While analysts are expecting volatility to settle down throughout the end of the year, other economic factors, social con ict, and political pressures will play a signi cant role in consumer sentiment.

For What It’s Worth

Anybody freaked out about a category one hurricane besides me? I took the entire thing in stride, until a erward, when I realized the power of water! My backyard was full of river mud, seaweed, other people’s dock planks, and just general mess. I was lucky. e neighbor to my le had two feet of water under his house, where he has outdoor furniture, man-cave stu , and storage. He also had the entire river breach his pool and knock out his pool pump. I was right where he is now, during Frances and Jean, in 2004, 2005, and believe me, it wasn’t pretty! e neighbor on my other side, whose dock planks were about twenty years old, lost many of them, some to the river, some to my backyard. His neighbor also had her pool breached with river mud, and lost her pool pump. I can’t say how anyone else did, but I heard plenty of stories of broken docks and unmoored boats.

My point is this. Until now, I paid attention to the actual number of the storm, if it was a Category 1, I barely paid attention, a Cat 2 or 3, minimal concern, maybe some supplies, nothing drastic. I really became concerned if it was a Cat 4 and I hightailed out of town for a Cat 5. ose were the old days, ose were the old rules. Today we’re in an entirely new normal, and not a good one. e numbers no longer tell the story. Storm surge is now on the top of my list

by Dr. Melfi, Ph.D.

of worries, where it will remain forever more. My street, the main road, and many other streets were under water. I can now understand why they tell you to never drive through deep water, because it can carry a car away, or submerge it. I thought that was an old wives tale, something that got hyped up on the news, to scare people. Nope. It’s real life, and the truth. e only good news, if there is any, for this minimal hurricane, is that it did not carry the lightening and thunder that most hurricanes do. I am not ashamed to admit, nothing scares me more than lightening.

I am originally from up north. From what I remember, which is at least 49 years ago, we never got these downpours that can completely derail travel. We also certainly never had to fear being killed by lightening, because it was not the cloud to ground lightening that we experience here in Florida. Maybe that’s all changed, maybe not. But I can tell you one thing, there is a price to pay for the paradise that we live in, and that price is steep. In a moment’s notice, we can lose property, homes, and even life. ose of us who choose to live here, either by desire or by default, really have to start paying attention to what Mother Nature is telling us. Ultimately, we are ghting a battle that many of us were not prepared for. My thoughts are these. We should stock up our cabinets as if we are going to lose power, for

days. If we do not use our canned goods, we can donate them right around this time of the year to those less fortunate, and be done with it. If we are able to a ord hurricane windows and doors, we should not put o getting them. If we cannot a ord them, plywood or metal shutters are the next best thing. A generator is the candle on top of the cake. If you have the money, it is a great investment.

We also have to think about our pets, our elderly, our in rm, and help out. Regardless of how much you might dislike your neighbor, or the political di erences you have with friends, this is not the time to be emotionally sel sh.

For What it’s Worth , it is up to every one of us to take people in, feed them, shelter them, and check on them afterward. If we are this side of luck, count your blessings. If we are on the other side of luck, hope that someone will care.I will. Will you?

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Ocean Point Claims Company: We Will Never Leave Your Side

Hurricane season is almost upon us and, unfortunately, the threat of hurricanes looms over Florida residents. This potential for bad weather can cause stress for property owners. Is their current insurance coverage enough? What if there is a catastrophic loss... will their insurance company hold up its end of the bargain? Well, have no fear, Ocean Point Claims is here!

Ocean Point Claims Company is a residential and commercial damage claim firm that offers a stress-free claims process to get you the maximum settlement for your property loss or damage. Ocean Point Claims is managed by lead public adjuster Eli Goins.

Eli has been in the industry for 17 years, having first worked for multiple insurance companies for 10 years as an Independent Adjuster. After that time, Eli realized he wanted a change, explaining, “I’d rather help the homeowner, because they need help, and I use my [insurance industry] knowledge to do that.”

A Public Adjuster is an Insurance Adjuster who works for the Policyholder, not the insurance company. Eli says, “You need somebody on your side that can prepare all the paperwork and show the insurance company what the damage will cost to repair. The insurance companies have adjusters working in their favor, you should too!” Eli and his six other Public Adjusters are licensed and bonded. They service the entire state of Florida. Currently, Ocean Point has four staff members who serve as administrative support to the Public Adjusters.

Ocean Point Claims Company is certainly on your side throughout the entire claims process! They begin with a free inspection of the damage, a thorough review of your insurance policy, and a consultation about your options. Ocean Point Claims Company has a “no recovery, no fee” policy. Eli says,

By Gina Zuk

“We don’t get paid until you do! Ocean Point’s goal is to get you paid without you having to come out of pocket.”

Ocean Point Claims knows the tactics that insurance companies use to underpay or deny a claim. Their expert team of public adjusters will review your situation to determine the proper strategy for a positive resolution. Additionally, Eli understands the language of insurance policies and affirms, “People don’t realize that the policy excludes some things. They [the insurance company] may give you a limit of $10,000 for property damage, but I can get you $50,000, working from pure experience, really knowing the policies, and thinking outside the box.”

Thinking creatively, documenting thoroughly, and strategizing a solid plan are the processes that set Ocean Point Claims apart from their competitors. Every claim is different, so Ocean Point Claims provides personalized service for their clients from the beginning of the claim until the very end.

Ocean Point Claims likens themselves to “woodpeckers that just don’t stop” because they demand that their clients receive what they are entitled to. “We will make sure that we squeeze all of the juice out of that orange [claim] for our clients,” says Eli.

Ocean Point Claims is a onestop shop that includes Public Adjusting, Appraisal (claim), and Loss Consulting. Their experts have experience with the legal procedures, statutes, and regulatory requirements that can lead to a claims success or failure. The firm also includes access to a network of engineers, roofers, general contractors, architects, and first-party insurance litigation

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Eli Goins, Public Adjuster and Claims Expert

attorneys. In fact, if a case must litigate, then Ocean Point Claims remains very involved in the case as an expert witness. This involvement is why Ocean Point Claims heavily documents a claim from the beginning.

If the time comes to file a claim for residential or business property damage, then Eli advises, “Avoid the tactics of the insurance companies. We call them the ‘3 Ds’ – the insurance companies delay, deny, and defend themselves!”

“Don’t delay filing a claim with your insurance company,” Eli says, adding, “Call us or your insurance company right away... however, if you call us first, we can file the claim for you! We prefer you to call us first so that your claim is documented properly from the start.”

With Ocean Point Claims, there is no minimum claim. “If there is money under that rock, we are going to find it for you,” says Eli.

The professionals at Ocean Point Claims are here for you! They offer a FREE 6-point home inspection and policy review. Let Ocean Point Claims Company focus on your insurance claim so you can focus on life!

Ocean Point Claims Company has satellite locations throughout Florida. Their main office is located at 11706 SE Federal Hwy, Hobe Sound. Their office can be reached 24 hours a day, seven days a week. For more information, call 772-763-6674, email office@oceanpoint.claims, or visit oceanpoint.claims

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