We Document the Damage and Work Directly With Your Adjuster
Filing a roof insurance claim is easier with a contractor who knows what an adjuster needs to see — especially on San Francisco's Victorian and Edwardian homes, where damage on a hidden flat rear section is easy to miss from the ground.
How We Help With Your Claim
We're not public adjusters and we don't give insurance or legal advice — but we do the parts of the process that a roofing contractor is best positioned to handle:
- Full-roof documentation — dated photos of both the pitched street-facing section and any flat rear section, not just what's visible from the sidewalk.
- On-site adjuster walkthroughs — we point out damage in person so nothing gets missed in the estimate.
- Scope-of-work review — checking that the insurer's repair scope actually matches the real damage, not just a surface estimate.
- Emergency mitigation documentation — photos of any tarping or stabilization work, which most policies expect as part of a reasonable claim.
What to Do First
- Call us for a free inspection — we document what's there before anything changes.
- Open a claim with your carrier with our photos and notes on hand.
- We meet your adjuster on-site if scheduling allows, or provide our documentation directly.
- Once the scope is approved, we give you a written repair or replacement estimate.
Related Services
Storm Damage Repair
Full assessment and repair after wind or wind-driven rain.
Learn more about Storm Damage RepairInsurance Claims Questions
Will my homeowners insurance cover wind or storm damage?
Most California homeowner policies cover sudden wind and wind-driven rain damage, subject to your specific policy and deductible. Gradual wear from age or chronic moisture typically isn't covered the same way — we'll help you understand which category your damage falls into.
How do I file a roof insurance claim?
Start by documenting the damage with photos, then contact your insurance carrier to open a claim. We can inspect first and provide our own dated photo documentation, which often helps the claims process move faster and more accurately.
Will you meet my insurance adjuster on-site?
Yes. We can walk the roof with your adjuster and point out damage that isn't obvious from the ground — especially on a flat rear section, which adjusters unfamiliar with San Francisco's rowhouse architecture sometimes overlook.
Does a flat-roof leak count as storm damage for insurance purposes?
It depends on the cause. A membrane that fails during or immediately after a wind/rain event may qualify as storm damage; a membrane that's simply reached the end of its lifespan is typically treated as normal wear, which isn't covered the same way. We help document which applies to your situation.
Dealing With Storm or Wind Damage?
Free inspection and documentation, no pressure. We serve Hayes Valley and San Francisco.