What is your process for storm damage and insurance claims?

Bay Area storm claims are usually wind-driven (atmospheric river events lifting shingles in valleys and at hip seams) or impact-driven (eucalyptus, redwood, and oak branches in winter storms). Real hail damage is rarer but does happen in foothill micro-events.

We’re your roofing contractor, not your adjuster. In California, only you, your insurer, or a licensed public adjuster negotiate the claim. Our part is the roofing: secure the roof, document the damage, write the repair estimate, and do the work.

Our process, when you call us during or right after a storm:

1. Emergency tarp. We do not climb in active storm conditions, but we will install a tarp the moment it is safe, anchored so it does not put new nail holes through sound roofing.
2. Documentation. Dated photos of the damage outside and in the attic, recorded in CompanyCam, plus an itemized written repair estimate. You get copies to share with your insurance company.
3. You file the claim. You report the loss and handle the claim with your insurer; we don’t file or manage claims for homeowners. Policies set deadlines for reporting a loss, so call your insurer as soon as you notice damage, even before we visit.
4. Adjuster visit, if you want us there. We can meet your adjuster on the roof and show what we found, including items current code requires on a re-roof. The adjuster and your insurer decide what the policy covers.
5. Repair or replace. When you’re ready, our crew does the work, permitted where required. Our contract is with you, the homeowner; the claim and any insurance payment stay between you and your insurer. If more damage turns up once the old roofing is off, we photograph it in place and give you an updated written estimate you can send to your insurer.

What insurance may not pay for: the upgrade delta between current code and an old roof’s spec, if the policy lacks Ordinance & Law coverage. We tell you that delta in advance, in writing, so there are no surprises.

Your deductible is yours to pay; any contractor who offers to waive or absorb it is proposing insurance fraud. For consumer guidance on homeowners claims, see the California Department of Insurance consumer resources. More on how we work on our insurance claims page.