Checklist by roof type
Composition shingles: granules in gutters, curling, cracks, bare spots.
Wood shake: splitting, cupping, missing shakes, moss mats. Shake isn't Class A, which matters for insurance.
Tile and metal: slipped tiles, rusted fasteners, loose panel seams.
Local patterns
North Bay roofers commonly see moss and debris damage under trees in Mill Valley, Fairfax and the west county, sun-cracked shingles on south-facing inland slopes, and older wood shake roofs that raise fire-rating questions before anyone replaces them in kind.
Fire season check
Before summer, look for debris in gutters and valleys and gaps at vents. Embers find those first.
Time to call
When a stain grows after each storm, when an insurer flags the roof, or before you list the house.
Every roofer we work with is licensed, insured and highly reviewed by Bay Area homeowners.
Get a free replacement quoteFrequently asked questions
Is my shake roof a problem for insurance?
Wood shake isn't Class A, so it won't count toward Safer from Wildfires discounts and may draw underwriting questions.
Moss on my Sebastopol roof: replace?
Not automatically. If shingles are lifted or brittle across the roof, replacement is often the better fix.
What should I check before fire season?
Gutters, valleys and vents for leaves and needles.
Sources
Sources reviewed November 11, 2026. Figures are published estimates and official fees, not quotes. Confirm prices, permits and requirements with your contractor and building department. This page is general information, not legal or insurance advice.