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Quick Answer
Document damage with photos, call your insurance carrier within 30 days, request a licensed adjuster inspection, and have a licensed NJ contractor (like us) provide a written repair estimate. Keep records of everything — most NJ storm claims are paid within 30–90 days.
Covered vs. Not Covered
- Covered: wind, hail, fallen trees, fire, vandalism, sudden events
- Not covered: normal wear, age-related failure, neglect
- Claim deadline: typically 1 year from date of loss
- Average NJ storm claim: $10,000–$45,000
- Most claims pay out 30–90 days after filing
Step 1: Document everything immediately
As soon as it is safe, take dated photos and video of damage from the ground and inside your attic. Capture the storm's conditions (weather-app screenshots, news reports). Save damaged shingles, tree branches, or hail samples.
Step 2: Call your insurance company
Most carriers ask you to file within 30 days of the event. Be factual — describe the storm, date, and visible damage. Get a claim number.
Step 3: Get a professional roof inspection
Call us. We will perform a free drone inspection and provide a written, itemized damage report with photos — the format NJ adjusters accept.
Step 4: Meet the adjuster on site (ideally with your contractor)
Adjusters spend 15–30 minutes on a roof. Having your contractor present ensures all damage is documented — not just what the adjuster sees in a quick walk-around.
Step 5: Review the scope of work
Your adjuster will send a scope with line items. Compare to the contractor estimate. If the adjuster missed items, request a supplement (revision) with documentation.
Step 6: Sign the contract and begin repair
Once insurance approves the scope, sign with your contractor. Many NJ policies pay in two installments: an ACV (actual cash value) payment upfront, and the depreciation balance once work is complete and receipts are submitted.
Common NJ Claim Denial Reasons
- Damage deemed pre-existing (why you need dated photos)
- Lack of proof of storm (document weather)
- Wear and tear (not a covered peril)
- Policy exclusions (cosmetic hail, cooling device damage)
Working With Us on an Insurance Claim
We handle dozens of NJ storm claims every year. We photograph with drones, write adjuster-ready reports, and meet your adjuster on site. If your roof is leaking right now, call us first for an emergency tarp — documentation starts there.
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Storm damage? Let us help you claim it.
Free inspection, drone documentation, and adjuster-ready claim packets.