Storm damage to your roof is stressful enough — navigating the insurance claim process shouldn't add to it. This guide walks NJ homeowners through every step of filing a roof insurance claim, from initial documentation to final settlement, so you receive the full value your policy provides.
Step 1: Document Everything Immediately
The moment you notice damage — or as soon as a storm passes — start documenting. Take wide-angle and close-up photos of every area of damage, both interior (water stains, ceiling damage, wet insulation) and exterior (missing shingles, dented flashing, fallen branches). Video walkthroughs are even better. Use your phone's timestamp feature. This documentation is the foundation of your claim.
Step 2: Prevent Further Damage
Your insurance policy requires you to take "reasonable steps" to prevent additional damage. Call a professional emergency roofer for tarping — do NOT climb on a damaged roof yourself. Save all receipts for emergency repairs; they're reimbursable under your claim.
Step 3: File the Claim Within 24-48 Hours
Contact your insurance company promptly. You'll need your policy number, date and time of the storm/damage, a description of damage, and your initial photos. Most NJ carriers have online claim portals and 24/7 phone lines.
Step 4: Get a Contractor Inspection First
Before the insurance adjuster visits, have a licensed roofing contractor inspect your roof and provide a detailed damage report. This gives you an independent assessment to compare against the insurance estimate. iHome Designs provides free storm damage inspections across Bergen County — from Teaneck to Ramsey. Learn how to choose a reputable contractor.
Step 5: The Adjuster Visit
Your insurance company will send an adjuster to inspect the damage. Have your contractor present — they can point out damage the adjuster might miss, especially subtle hail damage or compromised flashing. A good contractor knows what to look for and speaks the adjuster's language.
Step 6: Review and Supplement the Estimate
Insurance estimates are sometimes lower than actual repair costs. If there's a gap between the adjuster's estimate and your contractor's, your contractor can submit a "supplement" with detailed documentation justifying the additional costs. iHome Designs uses Xactimate software — the same platform insurance companies use — ensuring apples-to-apples comparisons.
Step 7: Complete the Repairs
Once the claim is settled, your contractor completes the repair or replacement using the approved scope and materials. Insurance typically pays in two stages: an initial payment after approval and a final payment after work completion. Check our cost guide to understand what your repair should cost.
What's Covered vs. What's Not
| ✅ Typically Covered | ❌ Typically NOT Covered |
|---|---|
| Wind damage (missing shingles) | Normal wear and tear |
| Hail damage | Aging/deterioration |
| Fallen trees/branches | Neglected maintenance |
| Ice dam damage | Pre-existing damage |
| Lightning strikes | Cosmetic-only damage |
| Emergency tarping costs | Flood damage (separate policy) |
Need Help With Your Insurance Claim?
iHome Designs provides free storm damage inspections and works directly with your insurance company.