Jacob Construction replaces and repairs roofs for homeowners in San Francisco, San Rafael and across Marin and the North Bay, from our office in Sausalito. If your roof is leaking, aging out, or you have an insurance or city notice to deal with, we can assess it, give you a written quote, and offer financing options, subject to credit approval.
This guide covers what you need to know before you call anyone: what a good roof replacement quote includes, how financing works, and whether a "cool roof" makes sense for a home in the fog belt or the warmer North Bay.
At a glance
- We serve San Francisco and the North Bay, including San Rafael and Marin, from our Sausalito office at 1 Harbor Dr, Suite 300.
- One point of contact: the person who quotes your roof is your project manager until the job is done.
- We handle the permits and paperwork on roughly 90% of our jobs, so you don't have to deal with the city.
- Financing is available, subject to credit approval.
- Cool roofs are an option to discuss, not a default. Whether one is worth it depends on your roof and your microclimate.
Who to Call for Roof Replacement in San Francisco and Marin
Most homeowners start looking for a roofer because something has already gone wrong: a leak after the first rain, missing shingles, a home inspection report, or a letter from an insurance company. At that point you want two things: someone who will tell you honestly whether the roof needs repair or replacement, and a quote you can actually understand.
That's how we work. When you request a free assessment, our project manager visits, looks at the roof and the attic, and explains what they found. If a repair will do the job, we'll say so. If the roof needs replacing, you get a written quote that spells out the scope, and the same person stays your contact through the final walkthrough.
We've been doing this since 2021. We hold an A+ rating with the Better Business Bureau and are licensed in California (License #1073757). Bay Area customers describe our work as "professional, punctual, and very thorough," and one Pacifica homeowner wrote, "I would not hesitate to hire Jacob Construction again."
What a Roof Replacement Quote in San Francisco Should Include
Two quotes for the same roof can look very different, usually because one includes work the other leaves out. Whoever you call, ask that the written quote covers:
- Tear-off or overlay, and how many existing layers will be removed
- Deck inspection: what happens if damaged sheathing is found once the old roof is off, and how you'll approve that work before it's done
- Underlayment and flashing at valleys, chimneys, skylights and walls
- Ventilation: intake and exhaust vents, and whether the attic needs attention
- Exact materials: manufacturer, product line and color
- Gutters, penetrations and solar panels, if your home has them
- Permits: who pulls them and who deals with inspections
- Cleanup and disposal
- Manufacturer coverage and workmanship terms, in writing
A low number that leaves out flashing, permits or deck repairs isn't really a lower price. You'll pay for those items later, often as a surprise. We'd rather you know up front.
In San Francisco, many older homes have had more than one re-roof. Layers, rot under old flashing, and tight access on attached houses all affect the price. A good quote names these conditions instead of discovering them halfway through the job.
Roof Replacement in San Rafael and the North Bay
Marin and the rest of the North Bay are a different roofing climate from the city. Inland neighborhoods in San Rafael get more summer sun and heat, while homes near the bay and the coast deal with fog, moisture and moss. Many homes sit under mature trees, which means debris in valleys and gutters.
Because our office is in Sausalito, North Bay homes are close to home for us. When we assess a roof in San Rafael or elsewhere in Marin, we look at:
- Sun exposure and how hot the attic gets in summer
- Shade, moss and debris from trees
- Drainage, gutters and valleys
- Fire-season concerns, which can affect material choices
- Permit requirements for your city
Can You Finance a New Roof in San Francisco?
Yes. Many homeowners finance a new roof, especially when the replacement wasn't planned. Financing is available, with monthly payment plans so you can pay over time. Financing isn't free and is subject to approval. We'll go through the options with you during the assessment.
If you're comparing ways to pay, these guides explain it in more detail:
- How home improvement financing works
- Financing a roof replacement: how to compare your options
- My insurance says I need roof work. How do I pay for my part?
Is a Cool Roof Worth It in the Bay Area?
A cool roof uses lighter, more reflective materials that absorb less heat than a standard dark roof. That can help keep an attic and upstairs rooms cooler on hot days.
Whether it's worth it depends on where you live:
- In foggy San Francisco neighborhoods, summer heat is rarely the main problem, so a cool roof usually isn't the deciding factor. Leaks, moisture and good flashing matter more.
- In warmer inland areas, including parts of San Rafael and the North Bay, a hot upstairs room is a common complaint, and a more reflective roof can be worth discussing alongside attic insulation and ventilation.
Two things to know before you choose:
- A white or light roof isn't automatically a "cool roof." Rated roofing products are listed in the Cool Roof Rating Council directory, which shows how reflective a product actually is.
- California's energy code can apply to re-roofing, depending on the roof and the scope of work. The California Energy Commission publishes the requirements, and they come up as part of the permit.
If you're interested in a cooler roof, mention it during your assessment. We'll tell you what fits your roof, what it adds to the quote, and whether insulation or ventilation would make a bigger difference for your home. We don't promise specific savings on your energy bill, because those depend on your house and how you use it.
Frequently Asked Questions
Does Jacob Construction replace roofs in San Rafael and Marin?
Yes. We replace and repair roofs in San Rafael and across Marin and the North Bay, and our office is in Sausalito.
Who should I call for roof replacement quotes in San Francisco?
Call two or three licensed contractors and ask each one for a written, itemized quote using the checklist above. We'd like to be one of those calls: request a free assessment and you'll get a written scope from the project manager who will run your job.
Can I finance a new roof?
Yes, for approved homeowners. Financing is available, and your project manager walks you through the options and the exact terms before you sign. Financing isn't free and is subject to approval.
Do you handle roofing permits?
Yes. We handle permits and paperwork on roughly 90% of our jobs, so you don't have to deal with the city yourself.
Should I get a cool roof in San Francisco?
Often it isn't the priority in the foggier parts of the city. It's more worth discussing in warmer inland areas. We'll tell you honestly during the assessment whether it makes sense for your roof.
Get a Roof Assessment in San Francisco or the North Bay
If your roof is leaking, getting old, or you've received an insurance or city notice, request a free roof assessment or contact us. We'll look at your roof, explain what we find, and give you a written quote and financing options. Financing is subject to approval.
