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.
Or call (626) 778-2223Get it looked at
Three questions, and up to three La Puente contractors. Free either way.
Your request is in.
We are matching it now against roofing contractors working in La Puente 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.
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.
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.
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.
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.
Photograph everything, immediately
Take far more pictures than feel necessary, including undamaged areas for comparison. Do it before the tarp goes on, not after.
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
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.
I have solar panels. What happens to them?
They come off and go back on, and that is a separate cost, often handled by the solar installer rather than the roofer. If the roof is near the end of its life, do the roof first — removing and refitting panels twice is money wasted.
It is leaking right now. What do I do?
Move what you can out of the way, put a bucket under it, and if there is a bulge in the ceiling put a small hole at its lowest point to let the water out in one place rather than bringing the whole panel down. Then mark your request as an emergency — those go out first.
Ready for a real number?
No cost, no obligation, and never more than three contractors.