Guide
Making a roof damage claim
The outcome of a claim is usually decided in the first forty-eight hours, before an adjuster has been anywhere near the property.
Stop further damage, and keep the receipts
Emergency mitigation is normally recoverable and routinely forgotten. Save the paperwork for the tarp as carefully as the paperwork for the repair.
Read anything before you sign it
An assignment of benefits hands control of your claim to a contractor. There are legitimate uses for it and it is also the single most common way homeowners lose control of a claim. Never sign one on the doorstep.
Your request is in.
We are matching it now against roofing contractors working in Los Alamitos and the surrounding area.
- Today, usually within the hour. The first contractor calls or texts the number you gave us. ASAP requests go out first.
- Up to three of them, no more. We cap it at three so you can compare without your phone melting.
- They come and look. Estimates are given after somebody has been on the roof, not over the phone.
- You decide, or you do not. There is nothing to cancel and nothing to pay us.
If you do not hear anything today, check your voicemail and spam folder — contractors often call from a mobile number.
Mind the deadline
Report promptly even if you have not decided what to do. The clock in the policy runs from the date of the event, not the date you noticed.
Know what your policy actually pays
Replacement cost pays what it costs to replace the roof today. Actual cash value pays that minus depreciation, which on a fifteen-year-old roof can be most of it. Find out which you have before you file, along with your deductible.
Get an independent assessment first
A written contractor assessment before the adjuster visits gives you a scope to compare against. If the two disagree, ask for the contractor to be present at a re-inspection — it changes the conversation considerably.
Photograph everything, immediately
Take far more pictures than feel necessary, including undamaged areas for comparison. Do it before the tarp goes on, not after.
In short
The homeowners who do well out of claims are not the ones with the worst damage. They are the ones with the best photographs.
Related questions
What warranty should I expect?
Two separate things. The manufacturer covers the material for its rated life, but only if it was installed to their specification. The contractor covers workmanship, commonly five to ten years, and only for as long as they are trading.
It is leaking right now. What do I do?
Contain the water, photograph everything, and get the request in marked as an emergency. A tarp is the right first job. The permanent repair is a separate conversation and a separate price.
Why three quotes and not one?
One quote is a number with no context. Three gives you a range, and the conversation about why they differ is where you learn what you are actually buying.
Start with the roof
Three questions, about a minute, and up to three Los Alamitos contractors come back to you.