Why homeowners choose this with Sierra Siding
- Photographic documentation of damage and conditions for your claim
- Written scope that aligns with carrier estimating standards
- Coordination with your adjuster — not an end-run around them
- Code-compliant rebuild, including any required upgrades
How the claim process actually works
You file the claim with your carrier — that step has to come from you. Once an adjuster is assigned, we meet them on site, walk the damage together, and provide our own written scope and photos. Carrier estimates and contractor estimates often differ; that gap is resolved through supplements, not by cutting corners on the work. We won't pad a scope, and we won't accept one that leaves the wall unsound.
What carriers do and don't cover
Sudden, accidental damage from a covered peril (wind, hail, impact, certain fire scenarios) is typically covered. Long-term wear, deferred maintenance, and pre-existing dry rot are typically not. Most policies pay actual cash value upfront and recoverable depreciation after work is completed and documented — your policy controls the specifics, and we make sure our paperwork supports your release of holdback.
Code upgrades and matching
California building code may require upgrades during a repair (WUI requirements in fire zones, current flashing and WRB standards) that exceed the pre-loss condition. Many policies include 'ordinance or law' coverage that pays for these. Color-matching across damaged and undamaged elevations is another common dispute we know how to document and present.
What we will not do
We will not waive, rebate, or absorb your deductible — that's illegal in California and a red flag for any contractor. We will not sign over a claim or work as 'the homeowner's representative' on policy negotiations; that's a public adjuster's role. We will do the work correctly, document it thoroughly, and stand behind what we install.
FAQ
Common Questions
No, and that's intentional. Preferred-contractor programs often pressure contractors to match the carrier's estimate even when scope is short. Working independently lets us scope the work the home actually needs and document it for your claim on the same footing.
Yes — we encourage it. An on-site meeting with the adjuster, the homeowner, and our project lead resolves most scope and supplement questions in one conversation instead of three rounds of email.
You can request a re-inspection or a supplement, and we provide the documentation to support either. For substantive disputes, a licensed public adjuster (not a contractor) is the right next step — we can point you toward that process honestly.
From claim filing to project completion typically runs four to twelve weeks, dominated by adjuster scheduling and supplement timing rather than the actual install. We schedule the work as soon as scope and approval are in writing.
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