Guide
Roof insurance claims, step by step
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 Wildomar contractors. Free either way.
Your request is in.
We are matching it now against roofing contractors working in Wildomar 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.
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.
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
Policies impose time limits on reporting damage, and they are shorter than people assume. Damage found late — hail in particular — is often denied simply because too long has passed.
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.
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.
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.
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
Are gutters included in a re-roof?
Normally a separate line. It is the one add-on that genuinely costs less when done at the same time.
Why three quotes and not one?
Because one price tells you nothing. Three tells you where the middle is, and the outliers are informative in both directions — the very cheapest is usually leaving something out, and the most expensive should be able to say what you are getting for it.
How quickly will someone call?
Usually within the hour during working hours. If you marked the job as an emergency it goes to the front of the queue and is normally picked up faster than that.
Ready for a real number?
Three questions, about a minute, and up to three Wildomar contractors come back to you.