Questions Oceanport homeowners ask before their first storm damage repair job.
Q.01
Will insurance cover storm damage to roof?
Most NJ homeowner policies cover storm damage from wind, hail, and named tropical events. Coverage requires documentation that the damage came from a named event, not gradual wear. Photographic evidence at time of storm and an adjuster site visit before repair are both critical. Sandy-era policies in Monmouth County now commonly carry separate wind deductibles.
Q.02
Is it a good idea to have the entire roof fixed after a storm?
Full replacement is the right call when storm damage triggers the 25% rule, when underlayment is exposed across multiple slopes, or when shingles are past their typical lifespan and the storm accelerates the timeline. Partial repair works for localized wind-uplift damage on otherwise sound shingle systems under 10 years old.
Q.03
What is the 25% rule for roofing?
The 25% rule under the New Jersey Uniform Construction Code triggers full code compliance when storm-damage repairs exceed 25% of roof area in 12 months. Insurance carriers often write the supplemental claim to cover the code-compliance scope rather than dispute the threshold.
Q.04
What is the average cost of a roof replacement in NJ?
Average roof replacement in New Jersey runs $8,500 to $28,000 for a 2,000-square-foot home. Storm-damage replacements often run higher because insurance scope typically funds current-code upgrades: ice-and-water shield, synthetic underlayment, and decking replacement where wet substrate appears.