Fire-Resistant Roofing in Marin, Sonoma & Napa
Fire-Resistant Roofing for Marin, Sonoma & Napa Homes
Class A roof assemblies and ember-resistant upgrades, documented for your insurance company. Free on-site assessment. Written report you can hand to your carrier.
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Class A Fire-Rated Assemblies -
Documentation for Your Insurer -
Free On-Site Assessment & Report
Book Your Free Roof Assessment
“Happy crews cranking out solid work. Pride in quality. I will recommend Capstone to all my neighbors and anyone else.”
Paul W
Trusted By Your Neighbors & Our Industry
For over 35 years, and after over 20,000 Roof Replacements, Capstone Roofing Inc. has earned North Bay homeowners’ confidence as a Diamond Certified and Best of Sonoma County award-winning contractor. As GAF Specialists, we back every job with a 50-Year Manufacturer Warranty and a 5-Year Workmanship Guarantee, delivered by seasoned crews many with 15+ years of experience
Where are you starting from?
Find the answer that fits your situation.
My insurer sent a letter.
My carrier flagged the roof, raised my premium, or declined to renew.
I got a Zone 0 or inspection notice.
I need to know what the rules require, and by when.
My roof needs replacing anyway.
I want the new one to lower my fire risk too.
Your Roof & Your Insurance
What your insurance company is actually looking for
The question is about more than your roof’s age. Its fire classification and the places an ember can enter matter, too.
California’s Safer from Wildfires framework recognizes a Class A fire-rated roof as a qualifying mitigation measure. Ask your carrier about your wildfire risk score, available discounts, and the documentation it needs.
What makes a roof assembly Class A?
Class A is the highest roof fire classification under ASTM E108 or UL 790. The rating applies to the tested assembly, including the roof covering, underlayment, and deck. The product label alone is not enough.
- Class A rated asphalt shingle assemblies
- Concrete and clay tile assemblies
- Metal panel and standing seam assemblies
- Composite products with a documented Class A assembly
Do not assume an existing wood shake roof qualifies. We check the assembly and documentation, then explain your replacement options.
Discount amounts and eligibility are set by your insurance company, not by Capstone Roofing. We do the work and document it. Your carrier decides what it is worth.
Or call (707) 575-3577 and ask about your insurer’s letter.
The Proof Goes With the Work
Something your agent can actually use
After completed work, your documentation packet brings the details together into something your agent can actually use:
- Manufacturer’s assembly rating and product data
- Photos before, during, and after the work
- A written scope listing the hardening items completed
- Your permit and final inspection record
Share the packet with your carrier or broker. They decide whether it supports a discount, risk-score review, or coverage decision.
What changed in 2026
Zone 0 · Defensible Space
Two separate rule sets affect your roof: California’s new Zone 0 defensible-space rules, and the building code a replacement roof must meet. Here is each one, in plain terms.
The first five feet matter. Zone 0 focuses on the area immediately around your home where embers can ignite combustible material. Several of the requirements involve your roof directly.
The statewide rules address State Responsibility Areas and Very High Fire Hazard Severity Zones. Local requirements may differ, so bring any inspection notice to your assessment.
Status: adopted by the Board of Forestry on August 19, 2026, but not yet in effect while the Office of Administrative Law completes its review. Confirm your deadline with your local fire authority.
| Requirement as adopted | Timing as adopted |
|---|---|
| Clear leaves, needles, and debris from roofs and gutters | On the effective date |
| Keep branches 10 feet from chimneys and 5 feet above the roof | On the effective date |
| Remove combustible materials, clear under decks and stairs | Within 3 years of the effective date |
| Replace combustible fencing attached to the house, complete vegetation work | 3 to 5 years from the effective date |
Keeping a roof and gutters clear is ongoing work, not a one-off. Capstone’s annual roof maintenance covers exactly that.
Class A · Building Code
Confirm the code before choosing materials. For a roof replacement in a wildfire hazard area, ask your building department which fire classification and construction details apply. We confirm the required assembly and permitting as part of the scope.
A hazard map is a useful starting point. It does not replace a property-specific answer from your local building department.
Find the official fire hazard maps
Building-code references. California’s current wildfire construction guidance points to the 2025 California Wildland-Urban Interface Code, including §504.2 for roofing, §504.4 for gutters, and §504.10 for vents. You may also see these requirements referred to as Chapter 7A, which remains part of the California Building Code in the 2025 cycle. For roofing, both point to the same outcome: a roof assembly with a documented Class A rating, installed to its tested specification.
Grants & Rebates
Marin homeowners: check grant eligibility. Marin Wildfire lists eligible metal gutters, guards, fire-resistant vents, and other specified mitigation work.
Roof replacement is not listed as eligible work; do not budget grant funds for a new roof. Confirm current funding, your Wildfire Risk Report, and application steps directly with the program.
Funding and program terms change. Check the current program before relying on grant money, and bring any paperwork you have to your assessment.
A Roof Is More Than Its Shingles
The five places embers get in
Wind-driven embers can reach a home ahead of a fire. We look at the entire roof system, including the small openings that are easy to overlook.
- The roof covering. A Class A assembly, installed to its tested specification. We check the covering, underlayment, and deck together.
- Gutters & gutter guards. Debris in a gutter can ignite at the roof’s edge. We assess metal gutters, guards, and a plan for keeping them clear.
- Attic & eave vents. Vents can let embers enter concealed spaces. We review ember-resistant vent options and the listing and installation details required for your home.
- Eaves & soffits. Open eaves can collect heat and embers. We assess enclosure options using appropriate noncombustible or ignition-resistant materials.
- Valleys, edges & penetrations. We inspect valley metal, drip edge, and flashing around openings, where gaps can undermine the roof system.
Choose the Right Assembly
Class A roofing options compared
Start with a tested Class A assembly. Then compare the look, structural needs, and installation details that fit your home.
| Roofing option | Installed cost band | Expected life | Weight and notes |
|---|---|---|---|
| Architectural asphalt shingle | Confirmed at your assessment | Confirmed at your assessment | Typically lighter than tile. A familiar North Bay look with a broad range of colors. Confirm the specific Class A assembly. |
| Standing seam metal | Confirmed at your assessment | Confirmed at your assessment | Generally lightweight. Clean lines and an exposed metal finish. Minimum slope and installation details depend on the system. |
| Metal shingle / stone-coated steel | Confirmed at your assessment | Confirmed at your assessment | Lighter than concrete or clay tile. Options that echo the appearance of tile. Verify the tested assembly and manufacturer requirements. |
| Concrete tile | Confirmed at your assessment | Confirmed at your assessment | Structural review may be needed. A substantial tile profile. Roof support, detailing, and installation matter. |
| Clay tile | Confirmed at your assessment | Confirmed at your assessment | Structural review may be needed. A traditional tile appearance with the same need to confirm structural capacity. |
These are assembly categories to discuss at your assessment, not confirmation that every product is Class A or that every system is suitable for your home.
Our process
How a wildfire roof assessment works
Free assessment
An on-site roof review, planned for 45 to 60 minutes. We look at condition, rating, and hardening opportunities.
Your written report
The findings, priorities, and proposed costs. Yours to keep whether or not you hire us.
Scope & schedule
If you move forward, we confirm the materials, tested assembly, permits, and work schedule.
Work & documentation
Installation photos, product data, and the final inspection record, assembled for you and your insurer.
No pressure. No same-day-only pricing. No obligation.
The assessment is a roofing evaluation. It is not an insurance coverage decision, public-agency certification, or guarantee against wildfire damage.
Your North Bay Roofing Team
Local experience. Work you can see.
A roof is a long-term decision. Get to know the company, the workmanship, and the people behind your assessment.
- Serving the North Bay since 1989. Family-owned in Santa Rosa. In-house crews, not subcontractors, staged from our own yard.
- Diamond Certified · GAF Master Elite. Independently rated and certified. BBB A+ accredited and a Best of Sonoma County readers’ choice.
- 5-year workmanship + 50-year material warranty. Workmanship guarantee on our labor, with a 50-year GAF material warranty on qualifying systems.
- 4.9 average across 109+ reviews. Read what North Bay homeowners say about the crews, the cleanup, and the communication.
Financing, Warranties, & Extra Savings
Get the roof you need now with flexible GoodLeap financing, and enjoy lasting peace of mind with a 50-Year GAF Manufacturer Warranty and 5-Year Labor Guarantee. Plus, we proudly offer special discounts for military families and seniors.
Our Clients Count On Us
Capstone proved to be awesome customer service - as shortly after I signed my contract I found out it was going to rain in a few days. They sent out a team to cover my leaky areas and did an awesome job of holding my roof safe until I could get my new roof!
I felt that their entire team from start to finish was very professional!
I would use them again any day.
Marin, Sonoma & Napa
Where we work
Wildfire roofing assessments across Marin, Sonoma, and Napa. Family-owned and based in Santa Rosa since 1989. Share your property address so our team can confirm service.
Marin County: San Rafael · Novato · Mill Valley · Larkspur · Corte Madera · Tiburon · Sausalito · Fairfax · San Anselmo · Ross · Kentfield · Greenbrae · Point Reyes Station
Sonoma County: Santa Rosa · Petaluma · Sonoma · Rohnert Park · Windsor · Healdsburg · Sebastopol · Cotati · Glen Ellen · Kenwood · Cloverdale · Guerneville
Napa County: Napa · St. Helena · Calistoga · Yountville · American Canyon · Angwin · Deer Park
Your questions, answered
Will a new roof lower my fire insurance premium?
It can help qualify your property for a mitigation discount. A Class A fire-rated roof is a measure in California’s Safer from Wildfires framework. Your carrier decides eligibility and the amount. We document the work; we do not promise a particular premium or coverage outcome.
My insurer flagged my roof for non-renewal. Can you help?
Start with an assessment. We can review the roof, identify work that addresses its condition or fire classification, and document completed work for your carrier. A roof project does not guarantee renewal or reinstatement; that decision stays with the insurer.
Is my house in a fire hazard zone?
Use the official CAL FIRE fire hazard maps to look up your address, then confirm the requirements with your local fire authority and building department. A hazard-zone designation is not an insurance eligibility determination.
What exactly does Class A mean?
It is the highest fire classification for a roof assembly under ASTM E108 or UL 790. It applies to the tested combination of components, not just the visible shingle. We check the manufacturer’s assembly requirements before specifying the system.
Can I keep my wood shake roof?
That depends on its condition, documentation, your proposed work, and local requirements. Do not assume wood shake meets the required rating. We will review the existing assembly and discuss documented Class A replacement options with a similar look where available.
Do I need a new roof, or can I just harden it?
If your existing roof has a documented Class A assembly and is in good condition, targeted improvements to vents, gutters, eaves, and edges may be the right scope. The assessment helps separate necessary replacement from work that can be done on its own.
What does Zone 0 mean for my roof?
Keep roof and gutter debris under control and review nearby branches, openings, and attached combustible materials. California’s updated Zone 0 regulations are completing final administrative review. Confirm applicable deadlines with your local fire authority, especially if you have received a notice.
Are there grants or rebates?
Marin Wildfire lists resident grants for specified work, including metal gutters, guards, and fire-resistant vents. Roof replacement is not listed as eligible work. Funding and program terms change, so check the current program and your Wildfire Risk Report before relying on grant funding.
How long does a Class A roof replacement take?
We confirm the schedule after assessing your home and defining the scope. Timing depends on permits, materials, roof complexity, weather, and any structural or deck repairs. Your proposal will set out the expected sequence and duration.
Do you pull permits?
Yes. We include required permitting in the project scope. Your permit and final inspection record become part of the documentation packet for completed work.
Is the assessment really free and without pressure?
Yes. The offer includes an on-site roof assessment and a written report that you keep whether or not you hire us. There is no obligation and no same-day-only pricing. The assessment is not an insurance decision or a public-agency certification.
Do you work with my insurance company directly?
We provide a clear scope and documentation of the work, and can explain those details to your carrier or agent. Your insurer decides whether the documentation satisfies its requirements and makes all coverage and pricing decisions.
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