We Document the Damage and Work Directly With Your Adjuster
Insurance claims move faster with clear, dated documentation. We photograph and write up the damage in terms your adjuster can act on — and meet them on-site if it helps.
What Homeowners Insurance Actually Covers
Most California homeowner policies cover sudden, accidental damage — wind, wind-driven rain, and falling debris are the typical San Francisco scenarios — subject to your policy's terms and deductible. What most policies don't cover is gradual wear: sun-brittled shingles that finally give out, or a membrane that's simply reached the end of its expected lifespan. That distinction is exactly why clear documentation tied to an actual storm event matters, and it's the first thing we help establish.
- Dated, timestamped photos of the damage, tied to the storm event.
- A written damage assessment in plain language your adjuster can act on quickly.
- An on-site meeting with your adjuster, if useful, to walk through the scope directly.
The Claims Process, Step by Step
- Call your insurance carrier to open a claim after storm damage occurs.
- Call us for a free inspection and dated photo documentation.
- We provide a written damage assessment for your adjuster.
- We meet the adjuster on-site if requested, and proceed with the approved repair or replacement.
After Your Claim Is Approved
Storm Damage Repair
Full repair once damage is documented and approved.
Learn more about Storm Damage RepairEmergency Roofing
Immediate tarping before the claims process even starts.
Learn more about Emergency RoofingInsurance Claims Questions
Does homeowners insurance cover roof replacement?
Most California homeowner policies cover sudden, accidental damage — like wind or wind-driven rain — subject to your specific policy and deductible. Gradual wear from age or sun exposure typically isn't covered, which is why documentation of an actual storm event matters.
How do I file a roof insurance claim?
Contact your insurance carrier to open a claim, then have the damage professionally documented. We provide dated photos and a written damage assessment your adjuster can review, and we're glad to meet the adjuster on-site if that's useful.
Will you work directly with my insurance adjuster?
Yes. We can meet your adjuster on-site to walk through the documented damage and answer questions about the scope of repair or replacement needed.
Does a new roof lower my insurance premium?
Sometimes — some carriers offer a discount for updated roofing materials or improved wind/fire ratings. Ask your insurance agent directly, since discount availability varies by carrier and policy.
Dealing With Storm Damage and an Insurance Claim?
Free inspection and documentation, no pressure. We serve the Mission District and San Francisco.