California Roof Insurance Claim Guide (2026): From Damage to Payout

1. Quick answer: does my homeowner's insurance cover roof damage in California?

The short version: yes — if the damage was caused by a covered peril, exceeds your deductible, and falls within your policy's notice-of-loss window. The longer version is what makes the difference between a smooth claim and a denied one.

California homeowner's policies are written on either an HO-3 or HO-5 form. Both cover the dwelling — including the roof — on an open perils basis. That means damage is covered unless it is specifically excluded. The standard exclusions that matter for roofs are wear and tear, age, neglect, gradual leakage, manufacturer defect, and damage that pre-existed your purchase of the policy. Sudden, accidental damage from wind, hail, fire, lightning, falling objects, vandalism, or impact (a tree limb, a thrown object) is the covered category.

The four real questions every roof claim turns on are:

1. Was the cause covered? A windstorm with documented gusts above 50 mph that lifted shingles — covered. Granule loss from 22 years of UV exposure — not covered.
2. Does the damage exceed your deductible? Most California policies carry a $1,000–$2,500 standard deductible, but separate wind/hail deductibles of 1–5% of the dwelling coverage are common after a major loss event. A 2% wind deductible on a $500,000 dwelling is $10,000 — a high bar.
3. Did you give notice in time? Most policies require notice of loss within 12 months of the date of damage; some shorten that to 6 months for wind/hail.
4. Is the policy RCV or ACV? This determines whether you receive replacement cost or depreciated cost. We cover this in detail in section 6.

This guide walks you through the entire process — from the day the storm hits to the day the final depreciation check clears — so you know what's normal, what's a red flag, and where you have leverage.

2. Covered vs. excluded — what California homeowner's policies actually pay for

Most homeowners learn what's covered after they file a claim. That's too late. Here's the working list at a glance.

The grey area: wind-driven rain

Most California policies cover wind-driven rain entering through an opening created by the covered windstorm. They do not cover rain entering through a roof that was already deteriorated. The adjuster's determination of "did the wind create the opening, or was the opening already there?" decides this category, which is one reason an independent roofer's documentation matters.

3. The four types of roof damage insurance evaluates differently

Adjusters categorize damage into four buckets, each with different documentation requirements and different payout patterns. Understanding which bucket your damage falls into helps you and your roofer present it correctly.

Type 1: Wind damage

The most common covered loss in the Central Valley. Adjusters look for lifted shingle tabs (visible from the ground after a major event), missing shingles, exposed underlayment, creased shingles where the seal broke, and granule displacement at lift lines. Documentation: wind speed records from the nearest NOAA station for the date of loss, photos from multiple angles, and a roof condition pre-storm if available (a recent inspection report is gold).

For Stanislaus County homeowners: the closest NOAA stations are KMOD (Modesto City–County Airport) and KMER (Castle Airport in Atwater). Pull free historical wind data from the NOAA Local Climatological Data tool by station ID for the exact date and hour of the storm. Adjusters take NOAA records as authoritative; printing the relevant page with the gust column highlighted is one of the strongest pieces of documentation you can bring to an adjuster visit.

Type 2: Hail damage

Less common at the Valley floor but real in foothill communities. Adjusters look for circular bruising about the size of a quarter or larger, granule loss in the same circular pattern, exposed asphalt mat, and bruised metal vents or gutters as corroborating evidence. Most carriers use the HAAG hail-damage evaluation protocol, which requires a test square — typically a 10' × 10' or 100 sq ft area selected to be representative. Photographs and impact measurements are required.

Type 3: Impact damage (falling object)

A tree limb, satellite dish, or debris from another property. Easier to document because the cause is usually present at the scene. The adjuster needs photos showing the damaged area and the impact source, the date and time, and confirmation the impact was sudden (not gradual abrasion). Tree-limb damage in particular often extends beyond the visible impact zone — under the surface, the decking and underlayment may be cracked. A roofer's tactile inspection finds these soft spots.

Type 4: Fire, lightning, or smoke damage

Often the simplest claim because the cause is uncontested. The adjuster's question is scope: how far did the damage extend? Smoke can permeate underlayment, melt sealants, and warp shingles in ways that aren't visible from the ground. A full tear-off and inspection of decking is often warranted even when the visible damage looks contained.

4. Filing the claim — the timeline from damage to payout

A clean wind or impact claim in California typically runs 14 to 60 days from notice of loss to first payment. Here is the realistic timeline.

Day 0–1: Document the damage

Within 24 hours of the storm, walk the perimeter of your home and take ground-level photos of all visible damage. Photograph the roof from any safely accessible vantage point — a second-story window, a ladder at the eave, drone footage if you have a drone. Note the date and time of the storm. Do not climb the roof yourself — falls account for more storm injuries than the storms themselves.

If a tree limb or debris caused the damage, leave it in place if safe to do so. The adjuster will want to see the cause and the effect together. If safety requires removal (a limb threatening the structure), photograph extensively before moving it and keep the debris for inspection.

Day 1–3: Get an independent roof inspection

This is the step most homeowners skip — and it's the one that protects you. Call a licensed C-39 roofing contractor for a free inspection before calling your insurance company. A good contractor will:

• Walk the roof and document every damaged area
• Estimate the repair or replacement cost at retail
• Tell you honestly whether the damage exceeds your deductible
• Warn you if filing is likely to be denied — and why

A claim that doesn't pay out still shows up on your CLUE (Comprehensive Loss Underwriting Exchange) report for five years and can raise your premium. If the damage is below deductible or unlikely to be covered, knowing that before you file saves you both the premium hit and the time.

Day 3–5: File the claim

Call your insurer's claims line. Provide:

• Your policy number
• Date and approximate time of the damage
• Cause (wind, hail, falling object, fire, etc.)
• A brief description of damage ("wind-lifted shingles on north slope, approximately 30 squares affected")

You will receive a claim number immediately and an adjuster assignment within 24–72 hours. The adjuster will call to schedule the inspection — typically 3–10 days out depending on regional claim volume. After a major regional storm, adjuster scheduling can stretch to 2–3 weeks; document everything and be patient.

Day 5–14: The adjuster visit

Covered in detail in section 5 below. Schedule your roofer to attend.

Day 14–30: Scope of loss + supplements

The adjuster issues a written scope of loss — a line-item estimate using a standardized estimating tool (almost always Xactimate). Your roofer compares the scope of loss to their detailed estimate. If items are missing or undervalued (underlayment, ice and water shield, drip edge, ventilation upgrades, code-required items, dump fees), your roofer submits a written supplement with photos and line-item pricing. Most legitimate supplements are approved within 7–14 days.

Day 30–45: Sign the work authorization

Once the scope is settled, you sign a contract with your roofer for the approved scope plus any homeowner-paid upgrades (a material upgrade, an HOA-required color match, a non-claim repair done at the same time). California limits the initial deposit to 10% or $1,000, whichever is less under Business and Professions Code §7159.

Your insurer issues the first payment — RCV minus your deductible minus depreciation if you're on an ACV-then-recoverable policy.

Day 45–90: Work completes; final invoice; depreciation recovery

The roof is replaced. You pay your roofer the agreed amount (which includes the insurance payment plus your deductible). You submit the final paid invoice to your insurer. They release the recoverable depreciation within 14–30 days. Claim closed.

5. The adjuster visit — what to expect and how to prepare

The adjuster visit is the single most important moment in a roof claim. Most disputes that drag a claim past 60 days come from an adjuster who missed damage during the initial visit. Here's how to prevent that.

Schedule the adjuster when your roofer can attend

This is the single most leveraged thing you can do. A roofer who walks the roof with the adjuster will:

• Point out damage the adjuster might miss from the ground
• Speak the adjuster's language — Xactimate codes, manufacturer specs, code requirements
• Document the inspection independently with photos and measurements
• Identify code-required items the adjuster must include in the scope (drip edge, ice and water shield, ventilation per current California Title 24)

A claim walked with a contractor present typically settles 15–35% higher than one walked alone — not because anyone is gaming the system, but because legitimate scope items are not missed.

What the adjuster will do during the visit

• Confirm the cause of loss. The adjuster will verify your account of the storm date matches NOAA records, walk the affected area, and confirm the damage pattern is consistent with the reported cause.
• Measure the roof. Either by walking it, using a drone, or using satellite measurement tools like EagleView. Get the measurement square count from the adjuster before they leave — your roofer should agree it's correct.
• Test for hail damage if applicable. Using the HAAG protocol — a representative test square (often 10' × 10' or 100 sq ft).
• Photograph everything. Including the damage, the surrounding area, and any pre-existing conditions that may have contributed.
• Issue a preliminary scope. Many adjusters write their scope on-site or within 48 hours. Ask when you'll see the scope of loss — and confirm in writing whether they're recommending repair or full replacement.

What you should do during the visit

• Be present, but let the roofer lead the technical conversation.
• Take notes — date, time, adjuster name, claim number reconfirmed, what was inspected.
• Don't volunteer pre-existing condition information unprompted. Answer questions honestly, but don't proactively explain that you've had three previous claims on other homes.
• Don't sign anything beyond an acknowledgment of inspection. Some adjusters offer "settlement" paperwork on-site — never sign without your roofer reviewing.

Carrier-by-carrier notes — what we see in Stanislaus County

We've walked adjusters from every major California carrier that writes in Stanislaus County. Each carrier has its own patterns. None are universal, but these tendencies show up often enough to be worth knowing.

• State Farm — the largest residential carrier in the area. Tends to favor drone or satellite measurement (EagleView) over walked-roof measurement. Drone measurements come in 3–8% low on hip-and-valley roofs. Insist on a walked measurement if your roof is complex.
• USAA — known for fast adjuster response and clean scope writing. Tends to write favorable scopes on military and veteran homes. Cosmetic hail endorsement is usually NOT applied — full hail damage typically pays out.
• Farmers — heavy use of "depreciation" line items even on RCV policies. Watch for inflated depreciation percentages. Push back with the manufacturer's actual expected lifespan (GAF 30-year shingles deserve 30-year amortization, not 20).
• Allstate — tends to deny ridge-cap and pipe-boot supplements as "minor" items. These are legitimately code-required on a re-roof. File supplements with California Title 24 references.
• AAA (Auto Club / CSAA) — generally fair on wind claims. Slower on supplements (15–25 days vs. the 7–14 day norm). Plan timing accordingly.
• Mercury — California-focused regional carrier. Strong on wildfire coverage in higher-risk zip codes. Reduced underwriting capacity post-2020 — many existing policyholders are paying significantly more at renewal.
• Travelers — favorable on commercial and multi-family policies. Residential adjusters often want a second walk-through before approving any scope over $15,000. Plan for two adjuster visits, not one.

If your carrier isn't listed, the same fundamentals apply: walk the roof with the adjuster, document everything, file supplements for missed scope, and escalate to a re-inspection or appraisal if needed.

6. Replacement Cost Value vs. Actual Cash Value — the single most important policy term

If you read only one section of this guide before a storm hits, read this one. Same roof, same deductible — the policy type determines whether you receive $16,000 or $4,900.

RCV is dramatically better. The premium difference is usually small (often $10–$40 per month). If you have an ACV roof endorsement on an older roof, shop your policy at next renewal.

How to find out which you have

Your declarations page — the cover sheet of your policy — states "Replacement Cost" or "Actual Cash Value" for the dwelling. Some California carriers have introduced an ACV roof endorsement on older roofs as a cost-saving measure — your dwelling is RCV, but your roof specifically is ACV. Read the endorsement section of your policy. If you find an ACV roof endorsement and your roof is older than 10 years, shop for a different policy at your next renewal. The annual premium savings is rarely worth the claim impact.

Roof age and ACV-only carriers

California carriers have tightened roof underwriting since the 2017–2020 wildfire cycle. Several major carriers now write ACV-only on roofs older than 15 years and refuse to bind new policies on roofs older than 20 years. This is a market reality, not a sales pitch — but it's the reason a free annual inspection (and a documented "good condition" report) is now a financial planning tool. If your roof is 15+ years old, the inspection report can be the difference between RCV and ACV at your next renewal.

7. When the adjuster's number is too low — your options

The settlement came in short. Now what? You have five options, and they go in order. Most homeowners stop at Option 1. Start there, escalate only if you have to.

Option 1 — Written supplement (resolves ~80% of disputes)

Your roofer writes a supplement. It's a line-item document with photos, measurements, manufacturer specs, and Xactimate codes. Each missing or under-priced item is listed at the right price. Most carriers approve legitimate supplements in 7 to 14 days.

Try this first. It's the quickest, cheapest, and most successful path. No legal fees. No new players.

Option 2 — Request a re-inspection

If the supplement is denied or the adjuster missed major scope, ask for a second inspection. Try to get a different adjuster or a field supervisor. Walk the roof together with your roofer. Bring the supplement documentation. Re-inspections almost always result in a revised scope.

Option 3 — Invoke the appraisal clause

Every California homeowner's policy has an appraisal clause. You hire an appraiser. The insurer hires an appraiser. The two appraisers pick a neutral umpire. The umpire decides the dollar amount, and the decision is binding.

Cost: $500 to $2,000 per appraiser, plus the umpire's fee. Use this when the disagreement is purely about money, not coverage.

Option 4 — Public adjuster

A California-licensed public adjuster represents you against the insurer. They are licensed under California Insurance Code §15007, with bonding under §15006. Fees are capped at 10% of the settlement on governor-declared disaster claims (Insurance Code §15027).

Public adjusters earn their fee on complex commercial losses and on big six-figure disputes. For a typical $20,000 to $40,000 residential roof claim, the math rarely favors a public adjuster after fees. Try Options 1 through 3 first.

Option 5 — Insurance attorney

Last resort. Use this for coverage denials, bad-faith claim handling, or claims where the insurer refuses to negotiate. Most attorneys work on contingency at 33% to 40% of recovery.

Reserve this for claims where Options 1 through 3 have clearly failed AND the dispute is over thousands of dollars OR the question is about coverage interpretation.

8. The roofing contractor's role in your insurance claim

Your roofer is not your adjuster, your attorney, or your public adjuster — and any contractor who claims to negotiate the claim on your behalf is operating outside their lane. Here's what a licensed C-39 contractor can legitimately do.

What a contractor can and should do

• Free pre-claim inspection. Walk the roof, document damage, give you an honest opinion on whether to file.
• Attend the adjuster visit. Walk the roof with the adjuster, point out damage and code-required items, document the inspection independently.
• Write detailed estimates. Both for the homeowner and for any supplement requests.
• Coordinate timing. Permit, materials, crew scheduling, and inspection windows so the project completes within the carrier's depreciation-recovery window.
• Submit final paid invoice. Some contractors will submit on your behalf with a letter of completion to expedite depreciation release.

What a contractor cannot legally do in California

• Negotiate the claim on your behalf. That requires a Public Adjuster license — California Insurance Code §15007. A roofing contractor doing this is "adjusting without a license" — a misdemeanor.
• Sign claim paperwork as your representative. The homeowner is the named insured. Only an attorney-in-fact via a notarized power of attorney can sign on your behalf.
• Waive, rebate, or absorb your deductible. Insurance fraud under California Penal Code §550. Grounds for CSLB license revocation. If a contractor offers to "eat your deductible," that's a felony invitation — walk away.
• Promise the insurance will pay 100%. The contractor doesn't know what the adjuster will approve. Anyone making that promise is either lying or about to commit fraud.

The right contractor relationship on a claim

You hire the contractor. You sign a contract for the work. The insurance pays you (or pays you and the mortgage company jointly on a check). You pay the contractor. The deductible is your responsibility. The depreciation recovery is yours to collect and pass through. The clearer this relationship is on day one, the smoother the entire claim runs.

9. Red flags — fraud, claim-chasers, public adjusters

Major storms attract a specific kind of opportunist. After every wind event in the Central Valley, out-of-area contractors flood the affected zip codes. Some are legitimate. Many are not. Here are the patterns to recognize.

Storm-chaser contractors

• Door-knocks within hours of the storm. A legitimate local contractor is overwhelmed responding to existing customers. A truck pulling into your driveway four hours after the storm is from out of state.
• Offers to "handle the insurance for free." They mean they'll demand a contingency assignment of benefits, then negotiate against the carrier with no licensure to do so.
• Pressure to sign on-the-spot. "We need to start now to lock in the price." A legitimate claim has weeks before paperwork and contracts are needed.
• Out-of-area license plates and PO box address. Verify the CSLB license at cslb.ca.gov and confirm the address is a real California business.
• No physical office in the area. If they can't show you their shop, their warehouse, or their crew, they're operating out of a truck.

Deductible-waiver fraud

This is the most common roof insurance fraud in California. A contractor "absorbs" or "discounts" the deductible — by inflating the invoice to the insurer and crediting the homeowner back. The homeowner gets a "free" roof; the insurer pays inflated cost; the contractor pockets the spread. This is insurance fraud under Penal Code §550 and is a felony for both the contractor and the homeowner. CSLB has revoked dozens of California roofing licenses for this in the past five years.

Assignment of Benefits abuse

Some contractors require an Assignment of Benefits (AOB) before they'll do any work. An AOB transfers your insurance claim rights to the contractor. They then negotiate with the insurance company directly — and you have lost both your leverage and your control. California has stricter AOB protections than Florida or Texas, but the document is still binding. Read every signature line. If a contractor will not work without an AOB, find a different contractor.

The "claim chaser" public adjuster

Most California-licensed public adjusters are professional and add real value on complex losses. A minority operate at the boundary of solicitation rules — making cold calls to homeowners within days of a storm, offering to "maximize your settlement," and locking in maximum fees on uncomplicated claims that would have settled cleanly without them. California Insurance Code §15027.1 specifically prohibits public adjuster solicitation in the first seven days after a governor-declared disaster. If a public adjuster contacts you within that window, the contact itself is unlawful.

10. After the claim — depreciation recovery and final payment

If you're on an RCV policy with recoverable depreciation, the initial check is not the final payout. Here's how to capture the rest.

The two-check process

On an RCV policy, the first check is the Actual Cash Value: RCV minus deductible minus depreciation. Your roof costs $20,000, deductible is $2,500, depreciation withheld is $5,500 — first check is $12,000. You owe the contractor $20,000 total. You pay them from the $12,000 plus your own funds covering the deductible.

Once the work is complete, you submit a final paid invoice to your insurer. They release the $5,500 in recoverable depreciation. You use that to reimburse yourself for the funds you fronted. The second check typically arrives within 14–30 days of invoice submission.

Time limits to know

Most California policies require the work to be completed and the invoice submitted within 180 days to 2 years of the first payment, depending on carrier. Read the recoverable depreciation language in your claim approval letter. If you miss the window, the depreciation is forfeit. Set a calendar reminder for 30 days before the deadline.

What to submit for depreciation recovery

• Final invoice from the contractor showing the total cost and the amount paid
• Proof of payment (canceled check, bank statement, credit card statement)
• Photos of the completed work
• Permit final and inspection sign-off, if applicable
• Manufacturer warranty registration

If the actual cost was less than the adjuster's estimate

The depreciation recovery is capped at the actual cost. If the adjuster approved $20,000 but your actual cost was $18,000, you recover depreciation up to $18,000 only — not the original $20,000 estimate. The difference belongs to the insurer. Don't try to keep it; that's a misrepresentation to the insurer and a different kind of fraud risk. The clean approach: bill the actual cost and recover the actual depreciation.

If the actual cost was more than the adjuster's estimate

If the contractor encountered hidden damage (rotted decking discovered at tear-off, additional flashing required, ventilation that didn't meet current code) — file a supplement. Most carriers reopen the claim for legitimate hidden conditions. Document with photos, dated invoices for materials, and a written explanation from the contractor.

11. Wildfire, smoke, and FAIR Plan claims — what's different in California

California's insurance market has changed since 2019. Major carriers have non-renewed thousands of homeowners. Many landed on the California FAIR Plan — the state-run insurer of last resort. Wildfire claims work differently from wind or hail claims. If either applies to you, read this section carefully.

If you're on the California FAIR Plan

FAIR Plan covers fire only. Standard FAIR Plan policies do not include the broader perils a normal homeowner's policy covers (wind, hail, impact, vandalism, water). That's why most FAIR Plan homeowners also buy a separate Difference in Conditions (DIC) wrap policy through a private carrier for everything else.

For a wind-damaged roof on FAIR Plan alone, the claim goes through the DIC carrier, not FAIR Plan. If you don't have a DIC wrap, wind damage is out-of-pocket. Confirm both policies before you file — claims often get routed to the wrong carrier and delayed for weeks.

FAIR Plan also writes Actual Cash Value (ACV) on roofs as standard. There is no RCV upgrade available. Plan accordingly: at 15 years of roof age, your FAIR Plan fire-damage payout is roughly half of replacement cost.

Wildfire and smoke damage claims

Roof damage in a wildfire is rarely just flames. The bigger claim categories are:

• Direct fire damage. Burned shingles, melted flashing, charred decking. Usually total loss for the affected slope.
• Ember intrusion. Embers travel up to a mile from a fire. They land on roofs, lodge in ventilation gaps, and ignite under tiles or in attic spaces. Damage looks small from outside but can be severe inside.
• Smoke contamination. Smoke permeates underlayment, soaks into wood decking, and leaves an odor that doesn't air out. Carriers often dispute smoke claims because the damage isn't visible. Get a third-party smoke contamination assessment (IICRC-certified inspector) — that documentation matters.
• Fire retardant residue. If aerial fire retardant landed on your roof, document it and report it. Some carriers cover cleaning or replacement; others classify it as cosmetic.

Additional Living Expenses (ALE) during a wildfire claim

If your home is uninhabitable — from fire damage, smoke contamination, or mandatory evacuation — your policy's ALE coverage pays for temporary housing, food, and pet boarding above what you normally spend. ALE is time-limited (often 24 months or a percentage of dwelling coverage), so don't let the carrier delay the underlying claim and burn through your ALE budget first.

Document every receipt. Hotels, restaurants over your normal grocery budget, laundromat costs, pet boarding, storage fees. These add up to thousands of dollars over a 30-day displacement and the carrier won't reimburse what you can't prove.

FEMA and disaster-declared claims

If the President or Governor declares a disaster, federal programs activate. FEMA Individual Assistance pays for damage your insurance doesn't cover — but only if your insurance has already paid out (or denied). File the insurance claim first; apply for FEMA second. SBA Disaster Loans are also available at low interest for the gap between insurance and total loss.

The California Department of Insurance catastrophe portal lists carrier-specific moratorium dates and claim-handling rules after each declared event. Check it before filing — some carriers extend notice-of-loss windows after declared disasters.

Claim glossary — the terms in plain English

Insurance and roofing both have their own vocabulary. Here's what the specialized terms in this guide mean in one sentence each.

RCV (Replacement Cost Value)

The full cost to replace your roof with materials of like kind and quality, minus your deductible.

ACV (Actual Cash Value)

RCV minus depreciation based on your roof's age. Often 40-60% less than RCV.

Recoverable depreciation

Depreciation the insurer holds back until you finish the work — released as a second check.

Scope of loss

The adjuster's written line-item estimate of what your claim will cover.

Supplement

A follow-up estimate from your roofer for items the adjuster missed or under-priced.

Deductible

The amount you pay before insurance pays anything. Common: $1,000-$2,500, or 1-5% of dwelling on wind/hail.

Declarations page (dec page)

The cover summary of your policy showing coverage limits, deductibles, and whether you have RCV or ACV.

Xactimate

The estimating software adjusters use. Most legitimate supplements speak in Xactimate codes.

HAAG protocol

The industry-standard hail-damage assessment using a representative 10×10-foot test square.

CLUE report

The Comprehensive Loss Underwriting Exchange — your 5-year insurance claim history that all carriers see.

Appraisal clause

A built-in dispute process where two appraisers and a neutral umpire decide the claim amount.

Public adjuster

A California-licensed (Ins. Code §15007) professional who negotiates the claim for the homeowner for a percentage fee.

AOB (Assignment of Benefits)

A document that transfers your insurance claim rights to a contractor. Sign carefully — you lose control.

FAIR Plan

California's state-run insurer of last resort. Covers fire only; wind needs a separate DIC wrap policy.

DIC (Difference in Conditions)

A wrap policy covering everything FAIR Plan doesn't — wind, hail, water, theft, liability.

ALE (Additional Living Expenses)

Insurance coverage for temporary housing, food, and pet boarding when your home is uninhabitable.

CSLB

California Contractors State License Board. Verify any contractor's C-39 roofing license at cslb.ca.gov.

CDI

California Department of Insurance. Regulates carriers and licenses public adjusters. Fraud hotline: 1-800-927-4357.

Frequently asked questions

A note on where DeHart fits in your claim

DeHart Roofing handles roof insurance claims as one of our most common job types — particularly after wind events that move through the Stanislaus County corridor every spring and fall. We hold CSLB C-39 #749551, are Owens Corning Platinum Preferred and GAF Master Elite, and our team includes adjusters' favorite kind of contractor: one who shows up with measurements, photos, and Xactimate-ready line items rather than a verbal scope.

Here's what we'll do on your claim, at no charge to you:

• Free on-site inspection with photos and a written damage assessment
• Honest opinion on whether to file — including whether the damage exceeds your deductible
• Walk the adjuster with you when the visit is scheduled
• Write detailed supplements if scope is missed
• Manage permits, manufacturer registration, and final paid invoice for depreciation recovery

If your roof has just been hit, the highest-leverage call you can make today is to a licensed local roofer — not the insurance hotline. We'll tell you the truth about your damage and whether filing makes sense. Request a free inspection here, or call (209) 667-7737.

Related reading: Roof replacement guide (post-claim playbook) · Storm damage repair · Roof replacement · Free inspection · Emergency repair · New roof cost guide · Emergency roof repair — what to do · Roofing warranty guide · Turlock · Modesto · Ceres