NJ Homeowner's Guide to Roof Insurance Claims

What's Covered vs. What's Not

Typically covered: Wind damage, hail, fallen trees, fire, ice dam water damage. NOT covered: Normal wear, neglected maintenance, cosmetic-only damage, floods (separate policy needed).

Filing Step by Step

1. Document damage immediately — photos, videos, weather reports
2. Prevent further damage — tarping is your responsibility (save receipts — reimbursable)
3. Contact your insurer — most NJ insurers have 60-day filing deadline
4. Get a professional inspection — licensed roofer's estimate gives you leverage with the adjuster
5. Meet the adjuster — be present, have your contractor's report ready
6. Review the settlement — you can supplement with additional documentation if the offer is low

ACV vs. Replacement Cost

Replacement Cost (RCV): Pays full replacement minus deductible — the better policy. Actual Cash Value (ACV): Replacement minus depreciation — a 20-year-old roof might only get 30-40% of replacement cost. Check your policy NOW.