
First Steps After Storm Damage
After a storm, photograph the damage from the ground and inside before anything is moved, then stop the water. We tarp the same day, take our own dated photos, and keep receipts for every temporary repair, because those costs are usually part of the claim and adjusters ask for proof of each one.
A Tree or Large Limb on the Roof
In the first hour, get everyone out of the rooms below and stay away from downed wires. Do not climb onto the roof or try to cut the limb yourself. Call the utility for wires, then us: we coordinate with a tree crew to lift the weight off, then tarp the opening and document the damaged framing.
Tornado and Straight-Line Wind Damage Surveys
After a tornado, the National Weather Service office in Mount Holly surveys the path and rates it on the Enhanced Fujita scale. On April 1, 2023 an EF-2 tornado that began in Jackson ended in Howell. Those surveys record wind speed and path width, which helps your claim show the damage came from a confirmed event.
How a Homeowners Roof Claim Works in New Jersey
A claim starts with your insurer, who sends an adjuster to inspect and estimate the damage. The New Jersey Department of Banking and Insurance publishes storm claims guidance on timelines and your rights. We provide photos and a written damage report you can submit, and the claim stays between you and your insurer.
Wear and Tear Versus Storm Damage
Insurance pays for sudden damage, not age. Creased or torn shingles, lifted tabs and impact marks point to a storm; brittle, curled, granule-bare shingles point to wear. Claims are often denied when old wear is presented as storm damage, so our report separates the two honestly.
Public Adjusters in New Jersey
Only a licensed public adjuster, regulated under the Public Adjusters’ Licensing Act at N.J.S.A. 17:22B, may negotiate a claim on your behalf for a fee. A roofing contractor cannot. We document damage and meet the adjuster when invited, but we never negotiate your claim.
Sales Tax on a New Roof Versus a Repair
A full replacement is generally an exempt capital improvement in New Jersey, documented with Form ST-8, the Certificate of Exempt Capital Improvement. Repairs are generally taxable. Our estimates show repair and replacement work separately so the tax treatment is clear before you sign.
What Moves the Cost of a New Roof
Roof size and pitch set the base price. Layers to remove, rotten decking, chimney and skylight flashing, ventilation upgrades, the shingle line and access all move it from there. Because every one of those items is priced separately in our scope, you can see which choice changes the total and by how much.
Insurance on a 20-Year-Old Roof
Many policies settle older roofs at actual cash value, which subtracts depreciation for age, rather than full replacement cost. Coverage depends entirely on your policy wording. We document the storm damage clearly so the adjuster can weigh it, and we suggest reading the roof section of your policy before a storm, not after.
The 25 Percent Rule Is Florida’s, Not New Jersey’s
Florida has a rule tying replacement to how much of a roof is damaged, and online advice often repeats it as though it applied everywhere. New Jersey’s re-roofing requirements come from its own Uniform Construction Code instead. We explain the actual New Jersey rules so a claim or a repair decision is not built on another state’s law.
Roofing License or Registration in New Jersey
New Jersey has no state roofing license. What the state does require is home improvement contractor registration under the Contractors’ Business Registration Act, and you can confirm a contractor’s registration before signing. Our contracts are written to the state’s home improvement rules, including the three-day cancellation notice.
Injuries on Your Roof and Insurance
Roofing is dangerous work, and OSHA requires fall protection at 6 feet on residential roofs under 29 CFR 1926.501(b)(13). If a worker is hurt on your property, the contractor’s workers’ compensation and liability insurance should respond, not your homeowners policy. Ask any roofer for proof of both before work begins.