What does an emergency tarp do and what does it not do?
A tarp keeps rain off an open section of roof until the permanent repair is made. It is a temporary cover. It does not repair the covering, the flashing or the deck, and it does not stop the damage that has already happened under it.
A tarp that is fixed well will shed the rain away from the open area, so the attic and the rooms below stay dry for the time it is in place. Its fixing is the weak point, and a crew checks it against the wind that is forecast.
The permanent repair is a separate job. The tarp should be removed when the repair is made, and the crew explains what the repair will need before the tarp is taken off.
What should I do before the crew arrives?
Move valuables and furniture away from the wet area, place containers under drips and keep people out of the room below. Do not climb onto the roof. Photograph the open area from the ground, and note the time the damage was first seen.
Clear a path to the door and the electrical panel, and switch off any light fixture or outlet in the wet area if it is safe to reach them. Water near wiring is a hazard that comes before any roof work.
Keep a note of when the wind or rain began and what you saw, so you can tell the crew and the insurer when the damage happened. A dated note is more useful than a guess made later.
How quickly will a crew come?
No arrival time is promised. The crew attends when one is available. Say clearly when you call whether rain is coming into the house now and how much of the roof is open.
Storms bring many calls at once. The crew does not promise a time it cannot control, and it will say what it can and cannot do when you call.
While you wait, keep the room below clear and dry, and watch the ceiling for new stains. Tell the caller if the situation changes.
Does a tarp affect an insurance claim?
A tarp that protects the house from further water is a reasonable step, and it is a reasonable step to take. Whether a policy responds to the damage is for the insurer and your policy to decide. The crew records the roof before and after the tarp so that the record is clear.
Keep the crew's dated note and the photographs with your insurance papers. Give copies to the insurer if it asks for them. The tarp is a temporary measure, and the note says so.
If the insurer asks for the damage to be kept for review before any permanent repair, tell the crew, so it can record the damage in full before the repair begins. A dispute about a claim can be raised with the California Department of Insurance.
What happens after the tarp is on?
After the tarp, the permanent repair is planned. The crew checks the roof, writes the scope and gives the homeowner the choice of a repair or a larger job. The tarp is removed when the permanent repair is made, not before.
The permanent repair may need the covering, the flashing or the deck to be replaced, and the crew explains which. A tarp left in place for a long time can wear or tear, so it is not a long-term fix.
Once the repair is made, the crew checks the roof, removes the tarp and records the finished state. The homeowner keeps the record with the roof papers.