Guide
Making a roof damage claim
A roof claim is a documentation exercise. The damage matters, but what you can prove about it matters more.
Get it looked at
Three questions, and up to three Norco contractors. Free either way.
Your request is in.
We are matching it now against roofing contractors working in Norco 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.
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.
Get an independent assessment first
Filing a claim that turns out to be under your deductible costs you nothing but is on your record anyway. Find out the scale of the damage before you pick up the phone.
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.
Stop further damage, and keep the receipts
Policies expect you to take reasonable steps to prevent things getting worse, and they generally reimburse the cost of doing so. Tarps, emergency call-outs, a temporary patch. Keep every receipt.
Photograph everything, immediately
Wide shots that show the house, close shots that show the damage, and pictures of the inside where water came through. Dated, before anybody touches anything. An adjuster can work with photographs; they cannot work with a description.
Know what your policy actually pays
The two clauses that decide the cheque are the settlement basis and the deductible. Some policies also carry a separate, larger deductible for wind and hail.
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 should I do to prepare?
Clear the driveway, protect attic storage from falling dust, and plan for two loud days. Agree in advance where the dumpster goes and who sweeps for nails.
Do you handle commercial buildings?
Yes. Commercial requests go to contractors who do low-slope and flat systems rather than to residential crews. Say so on the property question and it routes correctly.
Do you cover the whole Riverside County area?
Yes. The contractors we match on cover Norco and the surrounding towns, so if you are just outside the city limits it still works.