Step 1: Get a professional inspection first
Before you call your insurance company, have a reputable roofer inspect your roof. Much storm and wind damage is invisible from the ground, and knowing whether you actually have claimable damage helps you decide whether filing makes sense. A good contractor documents everything with photos.
Step 2: Understand your policy and deadlines
Review your homeowner’s policy for your deductible and any claim deadlines. California claims often must be filed within a set window after the storm date, so don’t delay. Note whether your policy pays replacement cost value or actual cash value—it affects your payout.
Step 3: File the claim
Contact your insurer to open the claim. They’ll assign an adjuster who will schedule an inspection. Provide the storm date and your documentation. Keep a record of every conversation, including names and dates.
Step 4: Meet the adjuster with your roofer present
This is where having La Jolla Roof Companies in your corner matters. We meet your adjuster on the roof to make sure all legitimate damage is identified and included—not overlooked. Two sets of trained eyes lead to a more complete, accurate claim.
Step 5: Review the scope and get to work
Once approved, you’ll receive a scope of work and payment schedule. When damage is covered, many homeowners pay only their deductible. Your roofer completes the restoration to premium standards, and any supplements are handled with the carrier.
A word on storm chasers
After big storms, out-of-town companies flood the area with door-knockers and vanish once the work is done. Choose a local, licensed roofer whose warranty and reputation will still be here years from now.
The bottom line
You don’t have to navigate a roof claim alone. La Jolla Roof Companies handles the documentation, meets your adjuster, and manages the process from start to finish—so you can focus on your family, not paperwork.
Get a free inspection
