
First Steps After Storm Damage
After a storm, photograph the damage from the ground and inside the house before anything is moved, stop further water with a temporary repair, and keep every receipt. We document the roof with dated photographs and a written description, which gives you the record an insurer will ask for when the claim is filed.
How a New Jersey Roof Claim Works
A homeowners claim starts with notice to your insurer, followed by an adjuster’s inspection and a settlement offer based on the policy. We write up the damage for your own claim and will meet the adjuster on site when you ask, so the adjuster sees the same damage we documented rather than a summary relayed over the phone.
Hurricane Deductibles and When They Apply
New Jersey allows insurers to file a hurricane deductible, mandatory up to 5 percent and optional up to 10 percent, but it applies only to a named hurricane with 74 mph sustained winds measured in New Jersey by the National Weather Service. Irene did not qualify under DOBI Bulletin 11-16, and Sandy deductibles were barred.
Wear and Tear Versus Storm Damage
Policies cover sudden damage from wind and falling objects, not the slow aging of a roof, and many denied claims come down to that difference. Our report separates storm damage, such as creased or missing shingles, from existing wear, so the claim you file describes what the storm actually did.
Public Adjusters in New Jersey
Under the Public Adjusters’ Licensing Act, N.J.S.A. 17:22B, anyone paid to act for a homeowner in negotiating a property claim must hold a public adjuster license from the Department of Banking and Insurance. A roofer cannot take on that role. We provide the documentation and attend the inspection, while the negotiation stays with you or the adjuster you hire.
In adult communities and associations, the master deed or bylaws decide whether the roof belongs to the owner or the association. We read those documents first, before quoting, so you know whether the decision and the bill are yours or the board’s, and we do not start work on a roof the association is responsible for.
Association Reserve Studies and Roof Schedules
New Jersey’s capital reserve study law, P.L.2023, c.214 at N.J.S.A. 45:22A-44.2, requires planned real estate development associations to study and fund the capital assets they maintain, which can include roofs. A board planning a phased replacement can use our line-item scopes to compare bids and set the schedule.
Sales Tax on a New Roof Versus a Repair
In New Jersey, a full new roof is generally a capital improvement documented with Form ST-8, the Certificate of Exempt Capital Improvement, while a repair is handled differently for sales tax. We tell you which category your job falls in and supply the paperwork that goes with it.
What Moves the Price of a Roof Replacement
Roof size and pitch, the number of layers coming off, the amount of decking that needs replacing, flashing at chimneys and walls, ventilation, access on a raised house and the shingle line all move the price. Our estimate prices each of those as its own line, so you can see exactly where the money goes.