Your roof is your home’s first line of defense against New Jersey’s unpredictable weather—so when damage occurs from storms, hail, wind, or fallen trees, roof repair or replacement can’t wait. The good news? Your homeowner’s insurance may cover part or all of the cost.
At All State Roofing & Chimney, we’ve helped countless NJ homeowners navigate roof insurance claims successfully—saving thousands on repairs or full replacements. In this post, we’ll walk you through how to get insurance coverage for roof damage in NJ, from documentation to working with your adjuster.
Need help now? Call (862) 295-7864
Or request your free inspection here: https://allstateroofingandchimneynj.com/free-estimate/
1. Understand What Your Policy Covers
Most standard homeowners insurance policies in New Jersey cover sudden or accidental damage caused by:
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Windstorms or hail
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Fallen trees or flying debris
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Ice dams and heavy snow
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Fire or lightning
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Vandalism
What’s usually NOT covered:
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Wear and tear from age
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Poor installation or lack of maintenance
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Mold or rot due to long-term leaks
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Cosmetic issues without structural damage
Tip: Review your policy to see if it includes replacement cost value (RCV) or actual cash value (ACV).
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RCV pays the full cost to replace the roof (minus your deductible)
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ACV pays for the roof’s depreciated value
2. Identify Roof Damage After a Storm
New Jersey often sees high winds, nor’easters, heavy snow, and hail that can damage roofs. After any major weather event:
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Walk around your home and look for missing, curling, or cracked shingles
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Check for debris, dents, or holes in gutters, vents, or flashing
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Look inside your attic or ceiling for signs of leaks or water stains
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Note any fallen branches or nearby trees that may have struck your roof
If you suspect damage, don’t wait. Call All State Roofing & Chimney for a free storm damage inspection.
3. Document Everything
When it comes to insurance claims, documentation is key. Before making any repairs (except emergency tarping), do the following:
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Take clear photos or videos of the damage (from the ground if safe)
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Keep damaged shingles or roofing materials, if they fell
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Save weather reports showing the date of the storm
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Record any interior damage caused by roof leaks
Pro Tip: A professional inspection report can support your claim and show the adjuster that damage is legitimate.
4. Schedule a Professional Roof Inspection
Insurance adjusters are trained to assess damage—but having your own roofing expert on your side levels the playing field. At All State Roofing & Chimney, we:
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Perform detailed roof inspections at no cost
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Identify damage insurance may miss
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Provide a written report with photos
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Meet with your adjuster to advocate for your claim
We help you avoid denied or underpaid claims by presenting accurate, undeniable evidence.
Book a free inspection: (862) 295-7864
Or use our online form: Free Estimate
5. File Your Claim Promptly
Every policy has a time limit to file a claim after the damage occurs—usually within 30 to 60 days. Contact your insurance company and:
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Report the date and nature of the event (e.g., “high winds on May 12”)
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Submit your inspection report and photos
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Provide any estimates you’ve received from licensed roofing companies
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Keep a record of your claim number and adjuster contact
The faster you file, the faster you get your roof repaired.
6. Meet the Adjuster (with a Roofer Present)
Once your claim is submitted, the insurance company will send an adjuster to inspect the damage. Don’t go into this meeting alone.
Having All State Roofing & Chimney on-site ensures:
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Your claim is taken seriously
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All damage is correctly identified
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You get a fair estimate based on local costs
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No repairs are overlooked
We’ll walk your roof with the adjuster and answer technical questions they may have.
7. Review the Insurance Estimate
After the adjuster’s inspection, the insurance company will send you a settlement offer with the amount they’re willing to pay. This may come in parts:
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ACV payment first (depreciated value)
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RCV reimbursement after work is completed and invoices are submitted
If the estimate is too low or missing items, we’ll help you file a supplemental claim for the difference.
8. Get Repairs or Replacement Done
Once you receive approval, you can schedule the work. Choose a licensed and insured NJ roofing company that:
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Is experienced with insurance work
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Provides detailed invoices for reimbursement
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Offers warranties for labor and materials
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Can start work quickly to prevent further damage
All State Roofing & Chimney is your trusted partner for insurance-approved roofing. We’ve helped NJ homeowners through thousands of storm claims.
9. Avoid Common Claim Mistakes
To ensure your insurance roof claim is successful:
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Don’t delay filing—insurance companies may deny late claims
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Don’t make full repairs before the adjuster sees the damage
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Don’t accept a low estimate without review
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Don’t use unlicensed contractors—it could void your claim or warranty
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Don’t assume interior leaks aren’t roof-related—they often are
Why Choose All State Roofing & Chimney?
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Local roofing experts with 10+ years in NJ
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Insurance claim specialists
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Free inspections and photo documentation
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Fully licensed, bonded, and insured
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Fast, professional repairs and replacements
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Available for emergency tarping and leak control
Call us now at (862) 295-7864
Or start your claim process with a Free Estimate
Final Thoughts
When your roof is damaged, navigating insurance claims can feel overwhelming. But with the right partner and clear documentation, you can secure the coverage you deserve and restore your home quickly.
Don’t let a denied claim or hidden damage cost you more than it should. All State Roofing & Chimney is here to guide you from inspection to installation.
Protect your home. Maximize your claim. Get the roof you need—fully covered.
