You got a letter from your carrier. It mentions the roof, it has a date on it, and it does not explain what you are actually supposed to do about it. That is the position most people are in when they call us about this.
We inspect the roof, photograph every condition the carrier named, and put the scope in writing so you have something real to send back. Sometimes what they flagged is a repair, not a replacement. If that is what we find, that is what we will tell you.
The carrier is dropping the policy at the end of the term and the roof is the stated reason. Usually age, usually with no inspection behind it.
They will renew, but only if the roof is repaired or replaced by a date. The letter rarely says which one is required.
Someone went up, or flew a drone, and wrote down what they saw. Cracked tile, exposed felt, worn flashing, patched areas.
You are shopping carriers and the roof is holding up the quote. The underwriter wants documentation of its condition before they bind.
No California law requires you to replace a roof at any age. Nothing expires. What is happening is an insurance company deciding how much risk it wants to carry, and roof age is the easiest number for them to underwrite against. That is a business decision on their side, and it is worth understanding before you spend money reacting to it. Carriers vary. What one declines, another writes.
What helps is evidence. Most of these letters are written off a policy date or a photo taken from forty feet up, not off anyone knowing the roof's actual condition. We go up, look at the underlayment, the flashing, the valleys and the penetrations, and take dated photos of each item the carrier listed. Then you get a written scope, plainly worded, so it can go straight to your carrier or agent without translation. If an adjuster is coming out, we will meet them on the roof and show them what we found. We do not handle or negotiate claims, and we will never tell you a decision is guaranteed. We document the roof accurately and let the facts do their work.
They cannot force you to replace anything. They can decide what they are willing to insure, and set conditions on renewing your policy. That is underwriting, not a legal mandate, and other carriers may see the same roof differently.
Not always. Carriers often flag a roof off age or a distant photo without knowing its actual condition. We inspect it and tell you honestly whether it is a repair or a replacement, and we will say repair if that is the answer.
No. Handling or negotiating a claim requires a licence we do not hold. What we can do is inspect, photograph the conditions, write up the scope, and meet your adjuster on the roof to walk them through what we found.
We'll come out, get on the roof, and put it in writing. Free inspection across LA and the Inland Empire.
