Filing an insurance claim after storm damage is stressful enough. Between roof leaks, missing shingles, and confusing paperwork, most homeowners don’t know where to start—let alone how to make sure the roof insurance claim gets approved. Fortunately, you don’t have to go it alone. We speak insurance at RGB Construction. In other words, we’re equipped to not only repair roofs. We can also guide South Jersey homeowners like yourself through every step of the insurance claims process. When you need reliable help the most, we’ll be there in more ways than one.
Key Takeaways
- ✔ Roof insurance claims can be confusing and frustrating, especially when adjusters downplay damage or policies have unclear limits.
- ✔ RGB Construction supports South Jersey homeowners through the entire process, from inspection to final repairs.
- ✔ We provide detailed damage reports, photo documentation, and help file claims accurately to avoid delays or denials.
- ✔ Our team meets with insurance adjusters onsite to ensure all roof issues are properly documented and covered.
- ✔ By choosing RGB Construction, homeowners get an advocate who understands insurance and delivers reliable roof repairs that meet all standards.
Here’s how we help you navigate your roof insurance claim from start to finish.
Why Roofing Insurance Claims Can Be Complicated
Insurance companies don’t always make it easy. Policies vary, damage assessments aren’t always thorough, and you’re often left to interpret industry jargon without a clear guide. You may not even know if your roof damage is covered or what documentation is required.
Some of the most common frustrations we hear from homeowners include:
- Adjusters downplaying visible damage
- Claims being denied due to “lack of maintenance”
- Confusion over ACV vs. RCV payouts
- Pressure to use a preferred contractor
- Unexpected out-of-pocket costs
That’s where RGB Construction comes in.
What RGB Construction Does for Homeowners Filing Roof Insurance Claims
We’re not just roofing contractors. We’re your partner and will get insurance working for you. Storm damage, confusing policies, and fine print can all be stressful. We get it. That’s why we make roof repair simple. With decades of experience working alongside insurers across Gloucester, Camden, and Burlington Counties, we know what insurers expect and what matters most during the claims process.
If you want real results, get in touch with us. We’ll support you throughout every single step of the process:
1. Perform a Thorough Roof Inspection
After a storm or visible roof issue, we start with a full exterior inspection of your roofing system, including shingles, flashing, gutters, vents, and the surrounding property. We also look for less obvious signs of damage such as granule loss, bruised shingles, bent drip edges, or water intrusion at seams. Our trained team documents all findings with high-resolution photos, giving you a complete picture of your roof’s condition—without missing anything.
2. Provide a Written Damage Report
You might think the photos you took of the damage will be enough, but we’ll be the first to tell you that there’s more to the report than that. You need a professionally written assessment. After our initial inspection, we prepare a detailed, itemized report that outlines the scope of the damage and includes a realistic repair or replacement estimate. These reports follow insurance-industry standards and include photos, measurements, and material recommendations. This level of documentation can make the difference between a fast approval and a frustrating delay
3. Help You File a Claim
If you’ve never filed an insurance claim, it can be intimidating. Worse, you could miss a necessary step and delay the process. We guide you through the process or speak directly with your insurance provider if you authorize us. From claim forms to reference codes and timelines, we help ensure every detail is accurate and complete—so you don’t face denials or red tape.
Pro Tip from RGB Construction
Always call a licensed roofing contractor in Cherry Hill or South Jersey before you file a claim. Insurance adjusters are trained to save their company money—not to identify every hidden issue on your roof. With RGB Construction at your side, you’ll have detailed photo documentation, an accurate report, and an advocate who makes sure nothing is missed.
4. Meet With the Adjuster Onsite
Adjusters are two things. They’re not roofers, and they’re not experts. They work for the insurance company and also may not see the full extent of the damage. Not the same way a roofer would. That’s why we offer to be onsite when the adjuster arrives. ur roofing specialist walks them through the damage, provides supporting evidence, and makes sure that nothing critical is overlooked. It’s one of the most important steps in getting your full claim approved.
5. Review Your Settlement
When your claim is approved, you’ll receive a scope of work and a payout estimate—but it may not tell the whole story. We carefully review your insurance documents with you to confirm that everything is covered and accurate. If the adjuster missed something, or the estimate doesn’t reflect actual costs, we help you file a supplemental claim to recover the difference.
6. Complete the Work to Insurance Standards
Once the paperwork is done, we move quickly to protect your home. RGB Construction completes all repairs or roof replacements according to manufacturer guidelines and local code, ensuring the work meets or exceeds your insurance company’s standards. We use trusted materials from brands like GAF, and we offer strong warranties so you can feel confident in the finished result.
When Should You Call RGB Construction?
Even if you believe roof insurance can cover the damages, it’s important to have a local roofing contractor on your side. If you experience any of the following, give us a call:
- After a major storm, even if damage isn’t visible
- If your ceiling is stained or shows signs of leaks
- If shingles are missing, curling, or scattered around the yard
- If your insurance claim was originally denied and you’d like a second opinion
- You’re being asked to use the insurer’s recommended contractor but don’t trust them
The sooner you reach out, the better. We can help make the claims process easy. We’ll help you meet deadlines, get the proper documentation, and maximize the protection your policy offers.
Roof Insurance Claim Help – FAQs for Cherry Hill & South Jersey Homeowners
1. What should I do first if my roof is damaged after a storm?
Start by documenting any visible damage with photos. Then call RGB Construction for a full inspection and report—we’ll help you avoid common insurance claim mistakes.
2. Can I file an insurance claim without a contractor?
Yes, but we don’t recommend it. Insurers are more likely to approve claims when the damage is properly documented by a professional South Jersey roofer like RGB Construction.
3. Does RGB Construction meet with the adjuster for me?
Absolutely. We’re happy to be on-site during your adjuster’s visit to make sure all roof damage—visible and hidden—is identified and accounted for.
4. What if my claim was denied?
RGB Construction can review the denial, reinspect your roof, and help file a supplemental claim or appeal if necessary. You don’t have to accept a denied claim without a second opinion.
5. How long does the insurance claims process take?
It varies, but with proper documentation, most South Jersey homeowners see decisions within 2–4 weeks. Our goal is to expedite the process with zero stress on your end.
6. Will insurance cover the full cost of roof replacement?
If your policy includes replacement cost value (RCV) coverage and the damage is storm-related, then yes. Otherwise, you may only get the depreciated actual cash value (ACV).
7. Do I have to use the insurance company’s preferred roofer?
No. You have the legal right to choose your own roofing contractor in Cherry Hill and throughout NJ. RGB Construction works for you—not the insurer.
8. What areas of South Jersey does RGB Construction serve?
We proudly serve Cherry Hill, Gloucester County, Camden County, Burlington County, and surrounding communities. We’re your trusted local resource for roof repairs, inspections, and insurance guidance.
Get Your Roof Insurance Working For You With RGB Construction
Roof insurance is confusing at times. But our team at RGB Construction deals with it every day. RGB Construction knows what it takes to protect South Jersey homes, and we won’t let insurance companies get in the way of getting you roof repaired or replaced. If you’re ready to being the claims process and get an approval message, call us at 856-264-9093. You can also schedule a consultation online by filling out the contact form. Let RGB Construction handle the stress, advocate on your behalf, and make sure your claim gets the attention—and coverage—it deserves.
