Is My Roof Covered By Home Insurance In New Jersey?

Let Us Be Your Advocate

A common question, is your homes roof repair or replacement going to be eligible for insurance coverage? Let’s find out!

Insurance Replacements & Repairs, The Truth

Yes, But Not Always

Homeowners insurance in New Jersey—it’s something most homeowners have and regularly pay for, but have you ever really thought about using it to cover roof repairs or replacements? The reality is, most people don’t think much about their insurance policy until disaster strikes. At Amore Homes Roofing & Siding, we’ve seen firsthand how insurance claims for roofs can play out in New Jersey, and we’re here to guide you through what can often be a confusing and frustrating process.

Imagine this scenario: A powerful storm hits your neighborhood, bringing strong winds and heavy rain. The next day, you discover multiple leaks and extensive damage to your roof, potentially needing significant repairs or even a complete roof replacement. Naturally, you turn to your homeowners insurance, expecting that you’re fully covered. But when the insurance adjuster arrives, you’re surprised to hear that you’re only approved for a fraction of the cost. Sound familiar?

Unfortunately, this scenario is quite common. Insurance adjusters have the complex task of assessing your roof’s damage, but they also have a responsibility to protect the insurance company’s financial interests. This dual role can create an inherent conflict of interest, often resulting in less coverage than homeowners feel they deserve.

What Are The Guidelines?

Roof Claim Guidelines

In New Jersey, like most states, typical homeowners insurance policies offer coverage that includes your roof. However, the specifics of that coverage can vary greatly depending on your insurance company, your particular policy, and the type of damage sustained by your roof.

Generally, homeowners insurance covers roof damage caused by events considered sudden and accidental. This usually includes scenarios like:

Storm Damage: Heavy winds, hurricanes, hail, or fallen branches.
Fire Damage: Roof damages resulting from accidental fires.
Vandalism: Intentional damage by a third party or theft-related incidents.
Fallen Trees or Objects: Sudden impacts from falling trees or other objects that damage the roof structure.

Conversely, issues arising from wear-and-tear, age-related deterioration, or inadequate maintenance generally are not covered by homeowners insurance policies. For instance, a roof that starts leaking because it is simply old or poorly maintained may not qualify for coverage.

Where We Come In - Advocacy Through The Whole Process

Claim Submission & Advocacy

Document The Damage Immediately

The first step after noticing damage to your roof is to thoroughly document it. Take clear, detailed photographs and videos that show the extent of the damage from multiple angles. Make sure you keep notes of the dates and circumstances that caused the damage. Good documentation can significantly improve your chances of a successful claim.

Contact Your Insurance Provider & Roofer

Next, contact your insurance company promptly to report the incident. Provide them with detailed information and share your evidence. Your insurer will open a claim, issue a claim number, and assign an insurance adjuster to assess the damage in person.

Additionally, its important to remember that the adjuster that the insurance company will send out has vested interest in protecting their financial liabilities, that's why we strongly recommend you also contact us or another local roofing company in new jersey as being seasoned roofing professionals we can assess and advocate on your behalf ensuring you are not being bullied by your adjuster.

Schedule An Inspection With Your Adjuster & Roofer

Your insurance company’s adjuster will visit your home to evaluate the damage firsthand. During this inspection, they'll assess the extent of damage and determine the cause. This step is crucial because the adjuster’s report heavily influences the outcome and value of your claim. Prior to arrival, our team will be onsite ensuring that a proper and thorough inspection is done, as its common to have overlooked items on an inspection with insurance adjusters.

Negotiations Typically Begin

Once the adjuster’s report is finalized, your insurance company will determine your claim amount. Often, homeowners discover that the initial claim offer may not fully cover their roof replacement costs. At this stage, negotiation becomes critical. We leverage our extensive roofing expertise and detailed inspection reports to advocate for a fairer settlement.

If, after our efforts, the insurance company remains unwilling to offer a fair settlement, we partner with third-party independent adjusters who can provide further unbiased assessments and reports, enhancing your position in negotiations.

Enter The Third Party Adjuster

If after negotiations you still are unable to get approved for the realistic repairs or replacements, our team brings in a third-party adjuster to ensure a thorough inspection was done, and if the findings point otherwise, we bring it to your insurance company in a final attempt to get you the best chance of approval for full coverage.

What Can Affect Coverage

Several critical elements often affect roof coverage and insurance claims in New Jersey:

Roof Age & Condition: Older roofs with visible signs of deterioration or inadequate maintenance could see claims partially or entirely denied.

Policy Type: “Actual Cash Value” (ACV) policies only cover your roof’s current depreciated value, often resulting in lower payouts. “Replacement Cost Value” (RCV) policies typically offer full replacement coverage, minus your deductible.

Deductibles: Every homeowner’s policy includes a deductible—the amount you pay out-of-pocket. Higher deductibles can reduce premium costs but mean higher upfront payments when making a claim.

Don't Be Bullied By Your Insurance Company

When it comes to roof damage claims, you don’t have to face your insurance company alone. Insurance adjusters might downplay your damages to protect their profits, but at Amore Homes Roofing & Siding, we won’t let that happen. As certified GAF roofing professionals, we stand firmly by your side, advocating fiercely for fair coverage and maximum compensation. Don’t settle for less than what you deserve—contact us today, and let us fight for your roof, your home, and your peace of mind.

Trusted Advocacy

During this process, we understand the stress associated with submitting a roofing or siding insurance claim, which is why we take every step to make this as easy as possible, from the initial site meet to negotiations with the adjuster. We fight for you and your interest of protecting your home.

We Wont Pester You

While we do aim to earn your business, our estimates include a simple call and follow up. Get a free estimate with no commitment and see how much you can save with our fall savings!

*Amore Homes LLC is not a licensed insurance adjuster and cannot promise full coverage despite it’s best efforts due to the nature of insurance claims*

Get A Roofing Advocate

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