Storm Damage Repair

Active leak after a storm? Call (201) 275-9185. We respond 24/7 to homes anywhere in NJ within 2-4 hours during business hours, 4-6 hours overnight.

Standard emergency response includes: heavy-duty blue or brown tarp covering the exposed area, secured with 1×3 furring strips screwed through the tarp into sound roof deck (not just nailed — nails pull out), perimeter sealing with roofing cement, and interior mitigation guidance (move furniture, place buckets, document with photos for the insurance claim).

Tarp service is typically reimbursable through homeowners insurance under most policies' emergency mitigation provisions. The tarp is not a repair — it's containment until proper repair or replacement. We document the work in adjuster-friendly format so you can submit it with the claim.

NJ homeowner policies typically cover sudden insurable events: wind damage (most policies have wind deductibles separate from standard deductibles), hail damage, fallen tree damage, fire, and lightning. Age-related wear is not covered.

The big variable: wind speed thresholds. Some policies require sustained winds above 50 or 60 mph for full coverage; others cover any wind-related shingle damage. Read your declarations page or have us review it before filing.

Hail damage on shingles isn't always visible from the ground. Hailstones the size of a nickel can crack the asphalt mat without dislodging granules visibly — the damage shows up as accelerated granule loss and premature failure 6-18 months later. We document hailstrike patterns using the ASCE/HAAG standards adjusters use.

Step 1: Call us first. We come out, document everything with photos, write a scope of work, and tell you whether the damage looks claim-worthy. There's no charge for this and no obligation. If we don't think you have a claim, we'll tell you so you don't waste your time filing.

Step 2: You file the claim with your insurance carrier (most have 24/7 phone or app filing). The carrier assigns an adjuster.

Step 3: Adjuster comes to your home — typically within 5-14 days. We attend the adjuster meeting at no charge to make sure they document everything and use proper measurements. Adjusters often miss step flashing, drip edge, code-upgrade items, and detached structure damage if a contractor isn't present.

Step 4: Adjuster issues an estimate. We review it line-by-line. If items are missing or pricing is below market, we file a supplement with documentation — most NJ carriers approve supplements when they're properly documented with photos and code references.

Step 5: Work begins. We accept assignment of benefits or direct billing — homeowner pays only their deductible.

Step 6: Final inspection by adjuster, depreciation released, all parties paid.