Clarity and Protection Across California’s Housing System
We help residents, communities, and decision-makers navigate housing, tiny home, and development issues with clarity, research, and advocacy, without confusion or exploitation.
Housing Issues Shouldn’t Feel Like a Maze
Most people feel lost when dealing with:
Shady contractors
ADU/tiny home scams
Permit or zoning problems
Confusing notices or contracts
Unclear rules from agencies
Senior housing or accessibility issues
Mortgage or homeownership red flags
49.7%
U.S. renter households spent more than 30% of their income on housing costs in 2023.
Source: Census.gov
76%
A national survey found 76% of Americans believe housing affordability in their communities is deteriorating.
Source: CAFP
One wrong move can cost thousands.
Not knowing what to do next makes everything worse.
You deserve clarity, protection, and a guide who knows how to navigate the system.
The same confusion that hurts homeowners also slows cities, advocates, and policymakers trying to do the right thing.
Who We Serve
Homeowners & Consumers
Avoid scams, bad contracts, and costly mistakes before, or after they happen.
Community Advocates & Constituents
Turn lived experience into organized action, education, and reform.
Policymakers & Legislative Staff
Research-backed insight into what’s broken, what’s working, and what needs to change.
Cities & Government Agencies
Guidance on ordinances, implementation gaps, and market-tested solutions.
Get the Clarity You Deserve. Protect What Matters Most.
Take the first step toward a safer, more confident housing journey.
You Don’t Need a Lawyer or a Contractor. You Need Clarity.
Hi, I’m Andrea Montano, founder of Roof Over My Heart.
Years ago, I stood inside the half-built shell of a home I’d poured my savings into, betrayed by a contractor who vanished after taking my money. I had no guide, no clear steps, and no one to help me understand what just happened.
What started as a personal loss became a mission to expose where housing systems fail, and help others avoid the same harm.
So I learned the system.
I researched the laws.
I studied fraud patterns.
And I turned that pain into purpose.
How We Help
Where Clarity Meets Protection
Our work spans Consulting, Advocacy, Research, and Education, applied differently depending on who we’re serving.
Consulting (Clarity & Confidence)
A 20–30 minute session that gives you:
Guidance for consumers, agencies, and community leaders
Clear explanation of your situation
Red flag identification
Your next planning
Bonuses tailored to your needs
Document and ordinance review
Advocacy (Protection)
For those needing deeper support:
Consumer protection pathways
Enforcement awareness
Fraud and risk analysis
Systemic issue documentation
Referral and escalation guidance
Access to resource library
Research and Education
Ongoing support & community:
Consumer education
Scam alerts and new-law updates
Resource vault access
Quarterly AMA calls
Policy literacy
Data-backed issue tracking
Impact reports
How It Works - Our 3 Step Process
Getting Help Is Simple
Step 1. Book a Consultation
Pick a time that works for you.
Step 2. Get Your Personalized Plan
We break down your situation and give you clear, safe next steps.
Step 3. Move Forward With Confidence
Whether you handle it yourself or want deeper help, you’ll finally feel in control.
Get the Clarity You Deserve. Protect What Matters Most.
Take the first step toward a safer, more confident housing journey.
The Housing System Is Complex. Mistakes Are Costly.
If you keep guessing your way through it, you risk:
Paying for illegal work
Falling into scams
Losing deposits
Missing critical deadlines
Making decisions you can’t undo
Feeling scared and alone
You deserve better. You deserve clarity and confidence.
Dedicated to your success
Read our blog of successful case studies