A bad storm rolls through Union County and suddenly your roof has missing shingles, leaking water, or visible damage. Now what? Filing a roof insurance claim in NJ isn’t complicated — but there are things you need to do right to make sure you get what you’re owed.
Step 1: Document Everything Before Touching Anything
Before any tarping, cleanup, or repairs, take photos and video of all visible damage — both exterior and interior. Get up in your attic if it’s safe. Document water stains on ceilings and walls. The more evidence you have before anything changes, the stronger your claim.
Step 2: Call Your Insurance Company Within 24–48 Hours
Most policies require you to report damage promptly. Delaying can give the insurer grounds to dispute the claim. Call your agent or the claims line and start the process — even if you’re not sure how bad it is yet.
Step 3: Get a Contractor Inspection Before the Adjuster Comes
This is the step most homeowners skip — and it costs them. Have a qualified roofing contractor inspect the damage and document it with their own assessment before the insurance adjuster visits. Adjusters work for the insurance company. Having your own documentation means you’re not just taking their word for what’s covered.
At Herts Roofing, we do free storm damage inspections and can be on site fast after a weather event.
Step 4: Get Temporary Protection If Needed
If there’s active leaking or missing shingles leaving your home exposed, get a tarp up immediately. Your policy likely requires you to take “reasonable steps” to prevent further damage. Keep receipts for any emergency materials.
Step 5: Review the Adjuster’s Estimate Carefully
When the insurance adjuster’s estimate comes in, compare it line by line against what your contractor identified. Common things adjusters underestimate or leave out:
- Felt paper / underlayment
- Ice and water shield
- Drip edge replacement
- Dumpster and haul-away fees
- Code upgrade requirements
- Proper tear-off rates
Step 6: File a Supplement If Needed
If the adjuster’s estimate is low, you can supplement the claim with your contractor’s documented costs. This is completely normal — we handle this regularly for NJ homeowners and know how to document it properly.
How Long Do You Have to File?
In New Jersey, most policies allow 1–2 years to file a storm damage claim from the date of the storm event. Don’t assume it’s too late — call us and we’ll help you figure out if you still have a claim.
We Handle Storm Damage Claims Across NJ
Herts Roofing has worked on insurance claims throughout Union County, Essex County, and beyond. We know what adjusters look for and how to make sure nothing gets missed.
Call (908) 206-4240 for a free storm damage inspection. Learn more about our storm damage services.