Nor’easters are no joke when you live in New Jersey, whether you’re closer to Philadelphia or nearer to the shoreline. During these storms, your roof’s going to be battered. Whether you’ve spotted missing shingles, interior leaks, or lifted flashing after a storm, acting quickly is key. But how can you act quick when getting an insurance claim started feels like a full-time job? We’re here to say that you can recover from roof damage after Nor’easters. Here’s a no-fluff guide from RGB Construction about getting your roof covered after a Nor’easter without delays, denials, or unnecessary stress.
Key Takeaways
- ✔ Nor’easters cause major roof damage in New Jersey due to high winds, heavy precipitation, freeze-thaw cycles, and falling branches.
- ✔ Document visible roof damage immediately after the storm with photos and notes—this is crucial for filing an insurance claim.
- ✔ Contact a local roofing contractor before your insurer to get a professional inspection and report that supports your claim.
- ✔ Insurance adjusters aren’t roofing experts, so having your contractor present during their visit ensures nothing is overlooked.
- ✔ You have the right to choose your own roofer, request supplemental claims for hidden damage, and push back if your payout is too low.
What Is a Nor’easter and Why Do They Cause Damage?
A Nor’easter is a powerful coastal storm that affects the northeastern United States, including New Jersey. These storms are known for their intense winds, heavy precipitation (rain or snow), and sudden drops in temperature—usually forming along the Atlantic coast and moving inland with force.
Why do they damage roofs?
- High winds: Nor’easters can produce gusts over 50 mph, capable of tearing off shingles, lifting flashing, and blowing debris directly into your roof system.
- Heavy rain or snow: Prolonged precipitation can overwhelm your gutters and saturate roofing materials, leading to leaks or sagging.
- Freeze-thaw cycles: In colder months, water can seep into small cracks or under shingles, freeze overnight, and expand, thereby causing roof materials to shift or split.
- Falling branches or trees: Soaked soil and wind combine to knock over trees or snap limbs that strike your roof.
Step 1: Document the Damage Immediately
After the Nor’easter has passed and it’s safe to walk around outside, go and inspect your roof from the ground. Don’t worry about getting up there yet.
Look for things like missing and torn shingles, shingles on the ground, granules in downspouts, fallen tree limbs or debris, bent or detached flashing, and water stains on the ceiling.
If you notice any damage, document it. Take photos of everything and include time stamps, if you can. Don’t forget wide angles and close-ups. The documentation will help you win approval for your insurance claim.
Pro Tip from RGB Construction
After a Nor’easter, even if there’s no visible damage, schedule a professional roof inspection. Many roofing issues in Cherry Hill and South Jersey don’t show up until weeks later—and by then, your claim could be denied for not reporting it soon enough. Getting ahead of hidden damage helps you stay protected and ensures a stronger insurance case.
Step 2: Get a Roof Inspection From a Local Contractor
Before calling your insurance company, contact a local roofing contractor for a roof inspection. Why? Because you need an expert on your side who knows the roof. Adjusters aren’t roofing experts. Plus, they work for the insurance company, not for you.
Roofing inspectors will perform a full inspection, document issues, provide a written report and estimate, and also be there for you when the adjuster comes.
Step 3: File Your Insurance Claim Properly
Once you have the inspection done, it’s onto the claims process. Most policies require you to file within 6-12 months after roofer damage after Nor’easters, but you should never wait that long. The sooner you file, the faster you can secure repairs and stop worsening damage.
You will need the following things to file:
- Your policy number
- Date of the Nor’easter
- Photos and inspection documents
- A list of visible issues (inside and out)
Step 4: Meet the Adjuster
Remember: Adjusters aren’t roofers. They aren’t trained to catch hidden damages like an inspector would. Ask your roofing contractor—like RGB Construction—to meet the adjuster and you onsite. The roofer can walk the adjuster around, pointing out the damages to ensure that you receive fair coverage.
After all, no one likes a lowball estimate.
Step 5: Review the Payout Carefully
Insurance companies may issue a check for the actual cash value (ACV) first, with a second payment for replacement cost value (RCV) once the work is complete. Don’t be surprised if the first payment is lower than you expected.
RGB Construction will work with you and your insurer to ensure the scope of repairs is complete and your claim reflects the full damage—not just what’s obvious at first glance.
What Insurance Doesn’t Tell You About Getting Your Roof Covered After a Nor’easter
Getting your claim approved for roof damage after Nor’easters should be simple. Unfortunately, there are some things that your insurance provider won’t tell you. Here is what you need to know:
- Age matters: If your roof is over 15 years old, depreciation may set in, reducing your claim amount.
- Limited coverage: Certain damages, like cosmetic issues, may not be covered by your policy, even if you can prove that it shortens the roof’s lifespan.
- Choose your contractor: Insurance can recommend a contractor, but they can’t force you to use one. Choose your own contractor to ensure they’re working for, not against, you.
- Make supplemental claims: If hidden damage is found, you can request more coverage later.
Don’t Wait for Storm Damage to Worsen
Small leaks become major repairs. Displaced shingles expose decking to rot. If you even suspect damage after a Nor’easter, get it checked. Insurance rarely covers gradual damage—only sudden, storm-related impact.
RGB Construction offers:
- Emergency tarping and leak control
- Full post-storm roof inspections
- Support with claim documentation
- Worry-free repairs and replacements backed by warranties
Roof Damage After Nor’easters — FAQ for South Jersey Homeowners
1. Does insurance cover roof damage from a Nor’easter in NJ?
Yes, if the damage is sudden and storm-related. Wind, rain, snow, or falling debris from Nor’easters are often covered causes.
2. What should I do first after noticing roof damage?
Take photos of the damage, then contact a Cherry Hill-area roofing contractor like RGB Construction for a professional inspection before calling your insurer.
3. Can I file an insurance claim without a contractor?
Yes, but it’s not recommended. A roofer can find damage an adjuster might miss and will give you a full report to support your claim.
4. How long do I have to file a claim after roof damage?
Most NJ policies require you to file within 6 to 12 months. Filing sooner improves your odds of approval and faster repair timelines.
5. Do I have to use the contractor recommended by my insurance?
No. In New Jersey, you can hire any licensed contractor you trust. RGB Construction works for you—not your insurer.
6. What if more damage is found after the adjuster’s visit?
You can file a supplemental claim. RGB Construction will document any hidden damage and help submit additional paperwork for coverage.
7. What if my roof is older than 15 years?
You may only receive the actual cash value due to depreciation. That’s why detailed inspections and strong documentation matter.
8. Can RGB Construction help with emergency roof repairs?
Absolutely. We offer emergency tarping, temporary leak control, full inspections, and full-service repairs throughout South Jersey and Cherry Hill.
Get Your Roof Repaired After a Nor’easter with RGB Construction
Trying to get your roof covered after a Nor’easter? When you have roof damage, don’t wait until the issues get worse. Take documentation. Call a roof inspector. Get the claims process started ASAP so that your roof can get covered fast. And don’t forget to call RGB Construction.
We’re not just roofing contractors. We’re professionals who know a thing or two about storm damage and insurance companies. Our team knows how to document, communicate, and execute roof repairs that protect you home and your claim.
Call 856-264-9093 or schedule your roof inspection online to get started. We’ll help you restore your roof without the runaround. No stress. No surprise fees. Just solutions you can trust.
