Guide
How a roof claim actually works
The outcome of a claim is usually decided in the first forty-eight hours, before an adjuster has been anywhere near the property.
Get it looked at
Three questions, and up to three Chino Hills contractors. Free either way.
Your request is in.
We are matching it now against roofing contractors working in Chino Hills 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.
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.
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.
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.
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?
Move the cars out, take pictures off the top-floor walls, cover anything stored in the attic, and put pets somewhere else for the loud days. Expect nails in the driveway however careful the crew is — ask whether they run a magnet at the end.
Is this really free?
It is free to you. Contractors pay to receive homeowner requests in their area. That is the entire business model, and we would rather say so plainly than pretend otherwise.
Is moss on the roof a problem?
It matters more than it looks. The damage is not the moss, it is the permanent damp underneath it. Kill it and brush it off gently; never pressure wash asphalt.