After a nor'easter or summer storm rolls through New Jersey, here's exactly what to do if you suspect roof damage — in order.
1. Stay safe
Don't climb a wet or damaged roof. Check for hazards like downed power lines. Assess from the ground and from inside your attic.
2. Look for the signs
- Missing, lifted, or cracked shingles; shingles or debris in the yard.
- Dented gutters, vents, or flashing (possible hail).
- Water stains on ceilings or in the attic.
- Granules washed into gutters and downspouts.
3. Document everything
Photograph the damage and note the storm date. Good documentation is the foundation of a smooth insurance claim.
4. Get a free professional inspection
Have a licensed roofer inspect and document the damage. Many homeowners can't see the full extent from the ground. Lightning offers free storm inspections across NJ.
5. Protect the home temporarily if needed
If there's an active leak, a roofer can tarp or make an emergency repair to prevent further interior damage while the claim is processed.
6. File your insurance claim
Report the damage promptly and follow our roof insurance claim guide. Remember — you choose your own contractor, not the insurer's.
Avoid storm chasers
Out-of-town crews flood NJ neighborhoods after big storms with high-pressure pitches and requests to sign over your claim. Stick with a local, licensed, GAF-certified roofer. Get a free storm inspection.