New Jersey roofs take a beating from nor'easters, summer thunderstorms, hail, and the occasional tropical system. If a storm damages your roof, homeowners insurance often covers repair or replacement — but how you handle the claim matters.
Step 1 — Document the damage
Safely photograph everything: missing or lifted shingles, dents, debris, interior water stains, and the storm date. Don't climb a damaged roof — get a professional inspection instead.
Step 2 — Get a free roof inspection
Have a licensed roofer inspect and document the damage before you call your insurer. A clear, professional damage report strengthens your claim. Lightning offers free storm inspections across NJ.
Step 3 — File promptly
Report the claim to your insurer as soon as possible — policies have time limits for storm claims. Provide your documentation and the storm date.
Step 4 — Meet the adjuster
Your insurer sends an adjuster to assess the damage. It's smart to have your roofer present so nothing legitimate gets missed. The adjuster's estimate determines your payout, minus your deductible.
Step 5 — Choose your own contractor
You are not required to use a contractor the insurer suggests. You pick who does the work. Choose a licensed, insured, GAF-certified roofer who will do it right.
What's usually covered vs. not
- Usually covered: sudden storm, wind, and hail damage.
- Usually not: wear-and-tear, age, or neglected maintenance.
Avoid these mistakes
- Signing over your claim ("assignment of benefits") to a storm-chaser.
- Paying a big deposit to an out-of-town crew that knocks on your door after a storm.
- Waiting too long to file.
Lightning helps NJ homeowners document storm damage and works directly with your timeline — no money down. Start with a free inspection.