SoMa Free Roof Program

If wind or storm damage is what ended your roof in SoMa, a claim — not a loan — is usually the right way to pay for the replacement. marine layer mornings keep roofs damp long after sunrise, and onshore wind drives rain sideways into flashings.

The out-of-pocket picture

Your deductible is the number that matters. If the repair costs less than the deductible, we'll tell you not to file — a claim on the record with no payout helps nobody.

On an approved replacement cost claim, your out-of-pocket is generally the deductible. Depreciation is usually released once the work is complete and invoiced.

Does your SoMa roof qualify?

Whether a roof qualifies comes down to what caused the damage and when.

• A recent date of loss. Most policies expect the claim to be filed within a set window of the event, so a wind event you remember is worth acting on.
• Sudden, identifiable damage. Wind, hail, falling branches and storm debris are covered events. Gradual wear and age are not.
• Damage the adjuster can see. Lifted or creased shingles, broken seals, displaced ridge caps, damaged flashing — documented slope by slope.
• An active policy with roof coverage. Replacement cost policies pay differently than actual cash value, and it's worth knowing which you have before the call.

From inspection to new roof

• Free inspection. We photograph every slope, including drone imagery, and tell you plainly whether there's a claim worth filing.
• Documentation. You get a written report with dated photos, the kind of package an adjuster expects to receive.
• You file the claim. The policy is yours, so the claim is yours. We supply the evidence.
• We meet the adjuster. On the roof, at your property, so nothing gets missed on the walkthrough.
• Approval and scope. If items are left off the scope, we supply the detail for a supplement or re-inspection.
• Replacement. Tear-off to bare deck, new underlayment and flashing, new shingles, full cleanup and a photo walkthrough.

The things that actually matter

You get a start date and a finish date in writing, and we hold them.

• Nothing is left on the lawn overnight, and the dumpster goes when the job ends.
• Warranty paperwork is registered for you, not left in a folder for you to chase.
• Change orders are written and signed, never verbal.
• One person runs your job and answers the phone the whole way through.

Where we draw the line

Not every roof qualifies. Plenty of the roofs we look at in SoMa are simply worn out, and age is not a covered peril — in that case we'll quote the replacement and talk financing instead.

Local conditions, local claims

Damp shade, salt and wind-driven rain are what age a roof here, more than raw heat in SoMa. Marine layer mornings keep roofs damp long after sunrise, and onshore wind drives rain sideways into flashings, and that is exactly the kind of sudden damage a policy is written for. Most of the claims we document here start at a rake, a ridge line or a piece of flashing.

Why SoMa roofs wear the way they do

Nobody roofs SoMa the way they roof a tract in the desert, and salt air and long damp mornings keep fasteners and flashings working hard. At about 337 miles northwest, SoMa is an easy run for us, inspection or emergency.

We are in Mission Bay, Hayes Valley and Financial District constantly, and the housing stock is much the same.

• Chimney and wall flashings are replaced, not painted over with sealant.
• We photograph every penetration before and after, so the file shows the work.
• Tile is sorted and reused where it is sound, which keeps the roof looking original.
• Material is delivered the morning of the job, not left on the driveway for a week.
• We work around tenants and business hours where the building is occupied.

A roof opened in October is a different job from one opened in January. Everything starts with a free inspection and a written number for your SoMa property.

Serving SoMa and nearby

We handle storm damage claims and full replacements throughout SoMa and the surrounding San Francisco County communities, including Mission Bay, Hayes Valley and Financial District.

Get your SoMa roof looked at

The inspection is free and there is no obligation. Call (818) 277-6626 and we will photograph every slope of your SoMa roof and tell you plainly whether a claim is worth filing.

What this costs in SoMa, honestly

A roof is a system. The membrane or shingle gets the attention, but the underlayment, the fasteners, the edge metal and the ventilation decide whether it reaches its warranty.

We do not use subcontract crews we have never met. The people on your SoMa roof are the people we train, and they carry our workers' compensation.

What goes wrong when it is done cheap

Before we quote we check the deck, the ventilation, the flashings and the drainage. Three of those four are invisible from the ground, and all four decide how long the roof lasts.