Insurance Roof Inspection
Got a letter about your roof? Find out what it actually needs first.
1,200+ reviews · 4.8★ on Google Licensed & insured · CSLB #1030917
Serving Fresno, Clovis, Visalia, Sacramento and Bakersfield.
Free for homeowners. $299 for real estate transaction inspections.
- FreeInspection and
documentation - Same dayEstimates on
most jobs - VideoProof of what’s
actually up there - WrittenDocumentation you
can send on
- If the roof is sound, we document that and say so
- You stay in control — we never step between you and your insurer
Send us what you were told
Two minutes, three questions. We’ll come look and document what’s actually there.
Free · No obligation · We route you to the nearest crew
The letter
Repair or replace the roof, or the policy cancels
If you’ve had one of these, you are not being singled out. Insurers are sending them across California — not one region, not one carrier. The letter usually gives you a deadline and two options: deal with the roof, or lose the policy.
Here is the part that matters. That letter is a demand. It is not a diagnosis.
These decisions are commonly made from aerial imagery, the age of the roof on record, or a drive-by. That is enough to flag a property. It is not enough to know whether the roof is sound, and it is certainly not enough to know whether a repair would satisfy the requirement.
So before you sign a replacement contract to keep a policy, find out what your roof actually needs. That part is free.
What happens next
Two outcomes, and we handle them differently
The roof is sound
It happens often. We document the condition in detail, on video and in writing, and make the case that no replacement is needed at this time — backed by a roof certification stating the condition as inspected.
You send that to your insurer. It is evidence rather than an opinion, and it comes from a licensed contractor who was physically on the roof.
The roof genuinely needs work
Then we say so, and we document exactly what is failing and why. You get a written estimate for the work required, so you can put it in front of your insurer and find out whether any of it is covered.
Sometimes that is repairs rather than a full replacement. Sometimes it is a replacement, and pretending otherwise would not help you.
Either way you get the same thing: video of what is up there, a written record of the condition, and an honest answer about what the roof needs. What you do with it is your call.
Where we stand
We document. You deal with your insurer.
This part matters, and plenty of companies are vague about it, so we will be direct.
The relationship is between you and your insurance company. We are not a party to it. We do not file claims for you, we do not process claims on your behalf, and we do not negotiate or adjust with your carrier. We are not licensed to do those things and neither are the roofers telling you they will.
What we do is the part we are qualified for: get on the roof, document the condition properly, and give you evidence you can use.
If a contractor offers to handle the whole claim for you, take assignment of your benefits, or promises to get the insurer to pay for a new roof, be careful. That arrangement puts a stranger in control of your claim and it is exactly how storm-chasing works. You should keep control of your own policy.
What we look at
The things an insurer is actually reacting to
Age gets a roof flagged. Condition is what determines whether the flag was fair.
We document the surface — granule loss, lifted or blown material, cracked and slipped tile. We document the details, meaning valleys, flashings, penetrations and the edge, which is where roofs fail long before the field does. We look at the deck and, where there is access, the attic.
And we document previous repairs. The patch in this photo is a different color from the roof around it, which tells you somebody has already been up here. Prior repair work is one of the first things an adjuster photographs, and whether it was done properly changes the conversation.
All of it recorded, so what we describe is what you can see.
Before you commit
A deadline is not a reason to buy the biggest job
Non-renewal letters come with dates on them, and a deadline is very effective at making people sign things. It is also exactly the moment somebody will quote you a full replacement without lifting a tile.
On a tile roof in this valley there is often a middle option nobody mentioned — the tile is sound and only the underlayment has failed, which is ten to twenty thousand dollars less than a tear-off. On a composition roof it may be repairs to specific areas rather than the whole thing.
If you are already holding a replacement quote, get a second opinion before you sign it. That costs nothing and takes a day.
Verified reviews
What customers say
More than a thousand Google reviews across four California markets, averaging 4.8 stars. Read them →
“We had three different roofing companies visit… Two visited both the attic and the roof and one just looked at the roof. Eduardo visited the roof and attic and discovered issues that the other two did not… his video was proof of a wider problem.”
“Found out our slopes/valleys were compromised along with 25 other roofing tiles that were cracked or completely broken… They lifted tiles and found the compromised areas that were going to soon cause major problems and water damage.”
“Carlos came out and gave us a detailed on site estimate with clear pricing and explanations… I’m so grateful to have a company that didn’t take the check then not communicate or show up for days.”
Related
Once you know where you stand
Straight answers
Frequently asked questions
Will you file the claim for me?
No. We are not licensed to file, process or negotiate claims, and any contractor offering to do that for you is either mistaken or hoping you do not know the difference. We document the roof properly and give you what you need. You deal with your insurer directly, which is how it should be.
My insurer says the roof is too old. Does age decide it?
Age gets a roof flagged. Condition is what actually matters, and the two are not the same. We have documented plenty of roofs that were older than the letter suggested and in far better shape than assumed — and some that were worse. That is what the inspection is for.
What do I actually receive?
Video of the inspection, which you keep, and written documentation of the condition. Where the roof supports it, a roof certification stating its condition as inspected. If work is needed, a written estimate for exactly what is required.
Does it cost anything?
Not for homeowners. The inspection and the documentation are free with no obligation. The one exception on this site is an inspection for a real estate transaction, which is $299 because that is a written report to somebody else’s deadline.
Will my insurer accept your documentation?
That is their decision, and we would be lying if we promised otherwise. What we can tell you is that a licensed contractor’s written assessment with video, taken from on the roof, is stronger evidence than anything produced from an aerial photograph.
Can repairs satisfy a non-renewal letter instead of a replacement?
Sometimes, and it depends on your carrier and what the roof needs. That is between you and them — but you cannot have that conversation without knowing what the roof needs, which is where we come in.
Find out what the roof needs before the deadline decides for you.
Free inspection, video proof, written documentation you can send to your insurer.