Guide
Roof insurance claims, step by step
The outcome of a claim is usually decided in the first forty-eight hours, before an adjuster has been anywhere near the property.
Or call (909) 415-2461Get it looked at
Three questions, and up to three La Verne contractors. Free either way.
Your request is in.
We are matching it now against roofing contractors working in La Verne 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.
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.
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.
Read anything before you sign it
Be wary of any contract signed in a hurry after a storm, particularly one that ties you to the contractor regardless of what the insurer decides.
Photograph everything, immediately
Take far more pictures than feel necessary, including undamaged areas for comparison. Do it before the tarp goes on, not after.
Mind the deadline
Policies impose time limits on reporting damage, and they are shorter than people assume. Damage found late — hail in particular — is often denied simply because too long has passed.
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.
In short
Document first, mitigate second, file third. In that order it usually goes smoothly; in any other order it usually does not.
Related questions
Should I repair or replace?
It depends almost entirely on how much life is left in the material. Ask any contractor who inspects it to give you a number of years and a reason. If two of them independently say the same thing, believe it.
What if the decking is rotten underneath?
Expect a few sheets on most older roofs. Get the per-sheet rate in the contract. Open-ended decking charges are where a fixed price stops being fixed.
What happens to my information?
Your details are passed to up to three local roofing contractors so they can quote. That is the only use. You can ask us to delete them at any time, and there is a do-not-sell page for exactly that.
Find out what it costs
No cost, no obligation, and never more than three contractors.