Storm Damage · Hail & Wind · All NJ
Storm Damage Roof Repair and Insurance Claim Support in New Jersey
Free inspection, full photo documentation, and a written scope your adjuster can work from. You keep control of your claim — we make sure nothing on your roof gets missed.
- GAF Certified
- NJ & PA Licensed #13VH12943200 · PA214910
- $1M Insured
- Serving NJ since 2014
Contractor Solutions provides free hail and wind damage roof inspections across Mercer, Burlington, and Ocean counties in New Jersey. We photograph and document the damage, provide a written scope of repair, and meet your insurance adjuster on the roof. You file your own claim — we make sure it's supported by evidence. Licensed NJ HIC #13VH12943200, $1M insured.
- Inspection
- Free, no obligation
- Emergency tarping
- 24/7
- Response
- ~2 hrs, Mon–Sat
- You pay
- Your deductible
Water coming in right now? We tarp roofs 24 hours a day, seven days a week.
Call (609) 414-3068How to tell if a storm actually damaged your roof
Most storm damage isn't visible from the driveway. These are the six things we look for, and what each one means — so you can check the easy ones yourself before calling anyone.
- Dark, bruised circles on shingles
- Hail impact. The granules are knocked off and the mat underneath is exposed — it fails years early even though the shingle is still in place.
- Shingles lifted, curled, or creased at the tab
- Wind. A creased shingle has already broken its seal. It will come off in the next storm even if it looks fine from the ground.
- Granules collecting in the gutters or at the downspout
- The shingle surface is shedding. After a hailstorm this is one of the clearest signs of impact damage.
- Dented gutters, downspouts, vents, or AC fins
- Soft-metal damage. It's the evidence adjusters look for first, because it dates the storm and proves hail size.
- New water stain on a ceiling or in the attic
- Active intrusion. Where it shows inside is almost never where it entered — this needs someone on the roof, fast.
- Neighbors suddenly getting new roofs
- A storm cell went through your street. Damage is often uniform across a block, and claims are time-limited.
Stay off the roof yourself. Storm-damaged shingles are loose by definition, and a fall costs more than any claim is worth. Look from the ground, check the gutters, check the attic — then call someone insured.
How a storm damage claim actually works
Five steps, in order. Note step two: you open your own claim. Any contractor offering to do that part for you is either overstepping New Jersey licensing rules or hoping you won't ask.
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We inspect and document — free
We get on the roof, photograph every affected slope, measure the damage, and note the soft-metal evidence that dates the storm. You get the full photo set whether you file or not. If there's no real damage, we tell you that instead of talking you into a claim.
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You contact your carrier
You open the claim — it's your policy and your call. We give you the documentation, the date of loss, and a plain description of what was found so the call takes five minutes instead of forty. Most New Jersey policies limit how long after a storm you can report it, so this shouldn't sit.
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We meet your adjuster on the roof
When the carrier sends an adjuster, we're there. We walk the roof together so nothing gets missed and provide our written scope of repair — what needs replacing, in what quantity, at what cost. Two sets of eyes on the same roof is how discrepancies get caught early.
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You review the carrier's decision
Your insurer decides what's covered and issues their scope and payment. We'll sit with you and explain what their paperwork actually says — line items, depreciation, what a recoverable-depreciation holdback means — so you understand your number before you agree to anything.
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We build the roof
Once you approve, we schedule the work, pull the township permit, and complete the repair or replacement to the approved scope. You pay your deductible; the carrier pays their share directly per your policy.
When we'll tell you not to file
Not every roof that looks rough has storm damage. A twenty-two-year-old roof at the end of its life is a maintenance problem, not a covered loss, and filing a claim that gets denied helps nobody. If that's what we find, we'll say so, show you the photos, and give you a straight replacement number instead. We'd rather lose a claim job than put your name on a bad one.
Get your free storm damage inspection
We'll be on your roof with a camera, usually the same week. Full photo set and written report whether you file or not.
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Storm damage and insurance questions
Does homeowners insurance cover roof replacement in New Jersey? +
Most standard New Jersey homeowners policies cover sudden, accidental damage from a covered peril — wind and hail are the common ones for roofs. Wear, age, and deferred maintenance are not covered. Whether your specific roof qualifies depends on your policy and what an adjuster finds, which is exactly why a documented inspection before you call matters.
How long do I have to file a storm damage claim? +
It depends on your carrier and policy language, but most require prompt notice and many set an outside limit measured in months from the date of loss — not years. If a storm came through your area, get the roof looked at now rather than waiting for a leak to appear inside.
Will filing a claim raise my rates? +
That's a question for your agent, not your roofer, and we won't pretend otherwise. What we can tell you is that weather claims are treated differently from liability claims by most carriers, and that an area-wide storm event affects a whole rating territory rather than one household. Ask your agent directly before you file.
Do you file the insurance claim for me? +
No — and be careful with any contractor who says they will. In New Jersey, adjusting or negotiating a claim on your behalf requires a public adjuster license. What we do is inspect, photograph, and document the damage, provide a detailed written scope of repair, meet your adjuster on the roof, and explain the carrier's paperwork in plain English. You stay in control of your own claim.
What does a storm damage inspection cost? +
Nothing. The inspection, the photo documentation, and the written condition report are free with no obligation, anywhere in Mercer, Burlington, or Ocean County. We respond within about two hours during business hours and run 24/7 emergency service for active leaks.
My roof is leaking right now — what do I do tonight? +
Call (609) 414-3068. We run emergency tarping around the clock for active water intrusion. Inside, move what you can out from under it, put a bucket down, and if a ceiling is bulging with trapped water, poke a small hole at the low point to let it drain in one place rather than letting it spread across the drywall.