CA Lic. #1160227 (C-39) · Not an insurance agency
Your insurance company says you need a new roof
You may not. Let someone licensed actually look at it.
Our own family got one of these letters — a non-renewal demanding a new shingle roof. That is why California Roof Renewal exists. We have been on your side of it.
Final acceptance is determined by your insurer upon review and any reinspection.
A job we took start to finish
A Glendale homeowner
A Glendale homeowner received a FAIR Plan notice citing roof deterioration. We inspected on the roof. Both slopes qualified for Roof Maxx. The rear slope looked worse from the air because of granule loss, not because it had failed. We wrote the agency. The work was a tune-up plus a complete Roof Coat, and the completion package included the paid invoice.
Roof Coat is a film a reinspector can see. It does not reset the install year. It is not a new roof. It is not Roof Maxx oil and it is not a Brite Maxx wash.
The paid invoice is what the agency forwards to the FAIR Plan. The inspection report alone does not clear a surcharge. The report opens the conversation. The completion package closes it.
Why you got the letter
Many of these letters are generated from aerial or drone imagery, not from anyone who has been on your roof. A weathered roof and a failed roof can look identical from 300 feet up. A physical inspection is the authoritative assessment.
Age lives in the carrier system as the install year. Condition lives in the file we upload. Treatment never overwrites the year. We never say we reset the age.
Carriers use age and aerial scores. The letter in your hand is the one that matters.
There are only a few moments a roof can cost you a policy — being refused a new one, being told to replace or certify at renewal, a settlement clause already written into the form, and a claim on an aging roof paid at actual cash value. The letter in your hand is almost always the second one.
California has no Florida-style remaining-life statute, and a rule written for another state's market does not apply to your policy here. The file wins on evidence.
Why our C-39 license matters
FAIR Plan and carrier notices routinely require the correction to be made by a licensed contractor. CSLB #1160227 is that license, and it is public — look it up before you let anyone on your roof.
We hold CSLB #1160227. That satisfies FAIR Plan "licensed contractor" language. We can perform the correction the citation requires, including repair or replacement. We can replace your roof, and we will still tell you when you do not need us to.
Where a treatment is the right answer, it buys the roof warranted service life rather than a coat of paint — the exact terms are on the rejuvenation page. What we will not tell you is that any of it obliges your carrier.
FAIR Plan 25-year replacement-cost coverage means the roof was replaced, not maintained. Soy oil will not unlock that endorsement. Treatment does not create a Class A rating. It can keep an existing Class A composition roof serviceable. Hardening credits are a different conversation.
The five-step workflow
If you are still on an admitted policy, the condition packet is how we try to keep you there. If you are already on FAIR Plan with a conditions surcharge, a documented tune-up or Roof Coat can be proof of correction — the paid invoice — and still will not turn FAIR Plan into a homeowners policy or unlock replacement-cost coverage.
Step 1
Physical on-roof inspection
We walk the roof. Photos stay with the findings. Aerial imagery is a flag, not the assessment.
Step 2
Insurance-facing report
A written record of what we found and which path matches the citation. We write what is on your roof, and we do not sign blanket statements about what is not — a broken tab is not a missing shingle, and we will not call it one.
Step 3
Corrective work as cited
The roof and the citation decide which of these it is, and we rank them in this order because the cheapest honest answer is the one you should get first.
1. Certification only
No work needed. We write what is actually on the roof and the file goes back as it is.
2. Targeted repairs, then recertify
When imagery flagged boots or flashings. Fix what was cited, then write it again.
3. Condition packet plus Roof Maxx
A qualifying asphalt roof. Inspection, photos, and treatment in the file.
4. Roof Coat
When the citation is granule loss or a surface a reinspector has to be able to see resolved. A film, not an oil.
5. Replace
When the roof has failed, or the letter has no condition exception. We say so.
Step 4
Completion package
Dated photos, a paid invoice, and a signed certification. That package is what a reinspector can hold.
Step 5
If the carrier still refuses
If your carrier won't work with you, we can point you toward brokers who shop policies for homeowners in exactly this situation. A FAIR Plan policy plus a difference-in-conditions wrap is the other route, and those two premiums have to be added together before it counts as an answer.
One thing to weigh before you choose the film: putting a coating on an asphalt shingle roof can affect the shingle manufacturer's remaining warranty, so we recommend it for roofs already past that warranty or already facing replacement.
Other letters, other answers
No two citations are the same, so no two answers are. These are real jobs, described by city. We do not publish customer names, addresses, policy numbers, or the agency on the other end.
A different citation
A Malibu homeowner · granule loss
A Malibu homeowner's citation was granule loss on 10 percent or more of the roof, with a surcharge and loss of replacement-cost coverage. FAIR Plan required a licensed contractor. Roof Coat is what the reinspector needs to see — a resolved film. That is not a treatability limit. Oil does not put granules back.
Rejuvenation restores the shingle but does not visually restore lost granules. When a carrier has cited granule loss, a reinspector needs to see a corrected surface — which usually means Roof Coat, not a rejuvenation. We will tell you which one your citation actually requires.
Roof Maxx goes INTO the shingle. Roof Coat goes OVER it. The oil is absorbed and leaves nothing on the surface. The coating stays on top as a film. Two different jobs. We do not blend them.
After the fact
An Ojai homeowner · asked to prove replacement
An Ojai homeowner's agent asked for proof the roof had been replaced. It had not been. The work was a full tune-up and a complete Roof Coat, which took the roof from gray to terracotta, and we said exactly that in writing. The agent accepted the documentation.
That roof is photographed end to end on the coatings page, before and after.
Finding lifted areas is one of the first steps of the tune-up, before any product goes down. Every plane is walked and every lifted area located. More often than not a lifted shingle has a nail under it that has backed out. Those are reset with a specialty tool called a roof snake, which gets under the shingle and drives the nail back down without breaking the shingle above. Larger gaps are also sealed. A photo of dry, curled 30-year shingles is not lifting or detached. Curling is the natural profile of an aged shingle. The Roof Coat film is the barrier that mitigates that curling. Restoration is not replacement.
What the photo is not
- Tab breaks are not missing shingles. The body remains nailed and sealed.
- Dark substrate is not exposed decking. You should see brown or black asphalt, not wood grain.
If you end up shopping the policy
Lead with accepted as-is, not with a cheaper policy. In one case a replacement policy ran about $1,100 a year more. That is not a savings pitch.
If you shop, name the give-ups: surplus lines have no CIGA protection, deductibles are often higher, and the roof may settle at actual cash value.
What the documentation looks like
An inspection report with dated roof photos, a written recommendation that names one path, and after the job a paid invoice plus a signed certification of the work that was done. We will not show you someone else's completion package to prove it. Blurring a name out of a real one still puts their roof on the internet, and a made-up one would not be a real job. Ask us on the phone and we will walk you through what yours will contain.
A restoration is not a replacement, and the documentation has to say so accurately. We provide a written record of exactly what was done, so there is no confusion at renewal.
California context
A published FAIR Plan figure, attributed generally. Not advice.
The FAIR Plan has an approved average 29.1 percent dwelling increase effective October 15, 2026 — the approved figure, not the 35.8 percent that was requested.
That is a statewide rate change, not a surcharge on the condition of your roof. Nothing we do to a roof changes it, and nobody should tell you otherwise.
What we do not say
- This is a new roof.
- We reset the age.
- A named carrier officially approves Roof Maxx.
- Your insurance has to accept this.
- The satellite score will flip because we sprayed.
What we say instead
We have taken this to carriers with a real condition file. Acceptance is case-by-case. If this roof fails our criteria we will tell you before we take a dollar.
- We cannot guarantee renewal, reinstatement, or surcharge removal.
- We do not say insurers accept, recognize, or endorse Roof Maxx. They review a file.
- We do not give insurance advice.
- Neither rejuvenation nor Roof Coat is a replacement roof or a new roof.
- California Roof Renewal is not an insurance agency, sells no insurance, and takes no commission. We never imply that switching carriers saves money.
Final acceptance is determined by your insurer upon review and any reinspection.
Send the letter. Get on the roof.
Upload the letter or tell us the deadline. We call you. This form does not book a calendar slot.
CA Lic. #1160227 (C-39)