If your insurer is not renewing
Five steps after the letter comes
A roofer can't speak for your insurer, and we won't pretend to. We can do the roof work, photograph it and write it up so you have something to send.
- 01
Step 1: Read what the letter says
Some letters name a reason. Some don't. Write down any specific items.
- 02
Step 2: Ask your agent what your insurer credits
Which actions, in what form, and by when. Ask for it in writing.
- 03
Step 3: Have the roof and vents inspected
A crew lead photographs each opening and writes findings, whether or not you hire us.
- 04
Step 4: Do the roof items
Class A covering where it isn't, mesh on the vents, soffits where the eaves are open.
- 05
Step 5: Send the photos and the written scope
Your agent or insurer decides what they accept and what it changes.
State program
Safer from Wildfires: ten actions, and who does each
The California Department of Insurance lists these ten actions and says every one qualifies for an insurance discount. Doing more can mean more savings. The page doesn't say how much, so we don't either.
- Roofer
A Class A fire-rated roof
Most common roofs qualify. Wood shake does not.
- You
A 5-foot ember-resistant zone
Rock or decomposed granite against the walls; metal fencing where it meets the house.
- Roofer
Ember- and fire-resistant vents
Corrosion-resistant metal mesh over every vent.
- Siding trade
A non-combustible base on exterior walls
At least six inches of non-combustible material at the bottom of the walls.
- Roofer
Enclosed eaves
Soffits under the eaves so heat and embers can't collect.
- Window trade
Upgraded windows
Multi-pane glass or shutters.
- You
Clear under decks
No vegetation or debris; non-combustible surfaces below.
- You
Sheds and outbuildings moved out
Combustible structures at least thirty feet from the house.
- You
Defensible-space compliance
Follow state and local rules on trimming and clearing.
- Neighbors
Being safer together
A neighborhood fire-risk reduction program.
Source: California Department of Insurance, Safer from Wildfires. Check it for the current list and how each action is credited.
Non-renewal questions
Will doing the roof items change my insurer's decision?
We can't say. The state says each action qualifies for a discount; whether your insurer renews depends on the insurer. Ask your agent.
Can I use your estimate as proof?
Many insurers want photos and a written scope. We give you both; your agent tells you what yours accepts.
Do you talk to my insurer for me?
No. We write up the roof work and you send it. We're glad to explain it to your agent if you ask.
What if I can't do everything on the list?
Most people can't, at once. Start with the items on the letter and the ones you can document, and do the rest over time.
Bring us the letter
We'll mark which items are roof work and write up the scope, photos included.