Home Inspection Disputes
California Roof Inspection Claims

Roof Inspector Missed Leaks or Damage? Make Them Pay for Repairs.

You paid for a professional roof inspection. They missed obvious damage, active leaks, or lied about the roof's condition. Now you're facing a costly replacement. California law holds negligent inspectors accountable.

$8,000-$80,000+
Typical Repair Costs
2 Years
Statute of Limitations
E&O Insurance
Inspectors Must Carry

🏠 What the Inspector Should Have Caught

Roof inspectors owe you a duty to conduct a thorough, competent inspection. If your inspector missed any of these issues, you likely have a negligence claim:

Missing or Damaged Shingles

Cracked, curling, missing, or wind-damaged shingles. Granule loss indicating age. Multiple layers of roofing that should have been flagged.

Flashing Problems

Damaged, rusted, or improperly installed flashing around chimneys, vents, skylights, and roof edges. Common source of hidden leaks.

Active Leaks & Water Damage

Water stains, soft spots, moisture intrusion signs. Attic inspection should reveal leaks, water damage to decking, or daylight showing through.

Improper Ventilation

Blocked or inadequate attic ventilation causing heat buildup, ice dams, premature shingle failure, and condensation damage.

Structural Issues

Sagging roof lines, damaged rafters or trusses, rotted decking, improper support. Signs visible from ground level or attic inspection.

Age Misrepresentation

Inspector stated roof had 10-15+ years remaining when visible wear indicated imminent failure. False statements about roof age or condition.

Warning
Time-Sensitive: Get a Second Roof Inspection NOW
Before sending your demand letter, hire a DIFFERENT licensed roofing contractor or inspector to document the damage. Their report showing what the first inspector missed is your key evidence. Request moisture readings and thermal imaging if available.

Law California Laws That Protect Home Buyers

Business & Professions Code 7195-7199 - Home Inspection Standards
Home inspectors in California must perform inspections with the care and skill that a reasonably competent inspector would use. Inspectors must identify and report on readily observable, significant deficiencies in the roof system.
CSLB Licensing Requirements - Contractors State License Board
Roofing contractors who perform inspections must be licensed (C-39 Roofing license). Unlicensed roof work or inspections by unlicensed contractors violate B&P Code 7028. This can strengthen your negligence claim.
Civil Code 1102-1102.17 - Transfer Disclosure Statement
Sellers must disclose known roof defects, past leaks, and repairs. If the seller knew about roof problems and didn't disclose, you may have claims against BOTH the seller and the inspector who missed the issues.

Standard of Care for Roof Inspections

A competent roof inspection should include:

Info
E&O Insurance = Your Recovery Source
Most professional roof inspectors and home inspectors carry Errors & Omissions (E&O) insurance specifically for negligence claims. This means there's usually money available to pay your claim - you're not just going after an individual with no assets.

$ What You Can Recover

California law allows you to recover all damages caused by the inspector's negligence:

Typical Claim Values

Damage Level Typical Cost Range
Minor repairs (shingles, flashing, small leaks) $2,000 - $8,000
Moderate (partial re-roof + interior repairs) $8,000 - $25,000
Full roof replacement $15,000 - $45,000
Severe (structural damage + full replacement) $45,000 - $80,000+
Catastrophic (structural failure, extensive water damage) $80,000 - $150,000+

Letter Demand Letter Template

Send this letter via certified mail with return receipt requested. Keep a copy for your records.

DEMAND FOR COMPENSATION - NEGLIGENT ROOF INSPECTION [Your Name] [Your Address] [City, CA ZIP] [Phone] [Email] [Date] VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED [Inspector Name / Company Name] [Company Address] [City, CA ZIP] Re: Demand for Compensation - Negligent Roof Inspection Property: [Property Address] Inspection Date: [Date of Original Inspection] Report Number: [Report Number if available] Dear [Inspector Name]: I am writing to demand compensation for damages resulting from your negligent roof inspection of the property at [Property Address], performed on [Date]. FACTS: 1. On [Date], I purchased the above property in reliance on your roof inspection report, which indicated [what the report said - e.g., "the roof was in good condition with 10-15 years remaining lifespan" or "no significant deficiencies observed"]. 2. On [Date you discovered damage], I discovered significant roof damage/defects that your inspection failed to identify, specifically: [describe damage - e.g., "extensive water damage to the roof decking, multiple active leaks around improperly installed flashing, and missing shingles not visible from ground level"]. 3. On [Date], I retained [Second Inspector/Roofing Company Name], a licensed roofing professional, to conduct a thorough inspection. Their report (attached) confirms: - [List findings from second inspection] - The damage was visible and should have been identified during a competent inspection - The estimated cost of repairs/replacement is $[Amount] NEGLIGENCE: As a professional roof inspector, you owed me a duty to conduct a thorough, competent inspection in accordance with industry standards and California Business & Professions Code Sections 7195-7199. You breached that duty by: [Check all that apply and customize:] - Failing to identify visible roof damage and deterioration - Failing to properly inspect the roof from roof level (ground-only inspection is inadequate) - Failing to identify active leaks or signs of water intrusion - Failing to inspect the attic for evidence of leaks or structural problems - Misrepresenting the roof's age, condition, or remaining lifespan - Failing to identify improper flashing installation - Failing to note inadequate ventilation - Providing an incomplete or misleading report - Failing to recommend further inspection of areas of concern As a direct and proximate result of your negligence, I have incurred the following damages: DAMAGES: Roof Repair/Replacement: $[Amount] Interior Water Damage Repairs: $[Amount] Mold Remediation (if applicable): $[Amount] Damaged Personal Property: $[Amount] Second Inspection Cost: $[Amount] Temporary Housing (if applicable): $[Amount] [Other documented damages]: $[Amount] TOTAL DAMAGES: $[Total Amount] DEMAND: I hereby demand payment of $[Total Amount] within thirty (30) days of the date of this letter to compensate me for damages caused by your negligent inspection. Please forward this letter to your Errors & Omissions insurance carrier for processing. If you do not have E&O coverage, you will be personally liable for these damages. If I do not receive satisfactory response within 30 days, I will pursue all available legal remedies, including filing a complaint with the Contractors State License Board (if applicable) and commencing civil litigation for negligence, in which I will seek not only the above damages but also attorney fees, costs of suit, and any other relief the court deems appropriate. Please contact me at [Phone/Email] to discuss resolution. Sincerely, _______________________________ [Your Signature] [Your Printed Name] Enclosures: - Original inspection report dated [Date] - Second inspection report from [Company] dated [Date] - Photographs of roof damage - Repair estimates/invoices - Interior damage photographs (if applicable) - Temporary housing receipts (if applicable) cc: Contractors State License Board (if filing complaint) [Your attorney, if applicable]

🖩 Roof Inspection Dispute Damages Calculator

Use this interactive calculator to estimate potential damages in your case. Enter your information below to get an estimate of recoverable damages.

Actual money lost or spent
Additional losses caused by the issue

📈 Estimated Damages Breakdown

Direct Damages $0
Consequential Damages $0
Emotional Distress (Est.) $0
Statutory Penalties (Est.) $0
TOTAL ESTIMATED DAMAGES $0
Disclaimer: This calculator provides rough estimates for educational purposes only and does not constitute legal advice. Actual damages vary significantly based on specific facts, evidence strength, and many other factors. Consult with a qualified California attorney for an accurate case evaluation.

Checklist Evidence to Gather Before Sending

Warning
Emergency Repairs: Document First
If you must make emergency repairs to prevent further damage (tarping, emergency leak repair), take extensive photos and video BEFORE any work. Keep all receipts. Notify the inspector in writing that you're making emergency repairs to mitigate damages.

Timeline What Happens After You Send the Letter

Days 1-7: Inspector Receives Letter

They'll likely forward to their E&O insurance carrier. Insurance company assigns an adjuster to investigate.

Days 7-21: Insurance Investigation

Adjuster may request to inspect the roof or send their own roofing expert. Cooperate but document everything.

Days 21-30: Response/Negotiation

Insurance typically responds with acceptance, denial, or counter-offer. Most legitimate claims settle at this stage.

Day 30+: If No Resolution

File complaint with CSLB if inspector is licensed. Consider small claims (up to $12,500) or civil lawsuit for larger claims.

FAQ Frequently Asked Questions

Can I sue a roof inspector for missed damage in California?
Yes. Roof inspectors are professionals who owe you a duty of care. If they negligently missed visible damage that a competent inspector should have found, you can recover repair costs, diminished value, and related damages. Most carry E&O insurance for these claims.
What should a roof inspector catch during an inspection?
A competent inspector should identify: missing, cracked, or curling shingles; damaged flashing; signs of leaks or water intrusion; inadequate ventilation; structural issues like sagging; and provide an accurate assessment of the roof's remaining lifespan. Inspections should be done from roof level, not just from the ground.
What's the statute of limitations?
Generally 2 years from discovery under CCP 339. The "discovery rule" may extend this if damage was hidden. However, don't wait - send your demand letter promptly after discovering the issue to preserve your claim.
What if the inspector claims the damage happened after inspection?
This is a common defense. Counter with: (1) your second inspector's assessment of when damage occurred; (2) photos showing wear patterns indicating long-term issues; (3) weather records showing no major storms between inspection and discovery; (4) evidence the damage was visible at time of inspection.
Can I also sue the seller for roof defects?
Possibly. If the seller knew about roof problems and failed to disclose them on the Transfer Disclosure Statement (TDS), you may have fraud or nondisclosure claims against the seller too. Review the TDS and any seller communications carefully.
What if the inspector said the roof had 10+ years left but it failed within a year?
Misrepresenting roof age or remaining lifespan is a strong basis for negligence claims. Get documentation from your second inspector about the actual condition and estimated age of materials. If visible wear indicated the roof was near end-of-life, the original inspector was negligent in their assessment.

Significant Roof Damage? I Can Help.

For large claims or uncooperative inspectors, I can assist with demand letters, negotiations, and litigation if needed.

Contact: owner@terms.law

Calendar Schedule a Consultation

For complex inspection disputes or claims over $25,000, book a call to discuss your options.

📝 Create Your Demand Letter

Generate a professional demand letter, CA court complaint, or arbitration demand