Storm & Hail Damage Roof Repair in Metuchen, NJ
Free written storm-damage inspection for Middlesex County, NJ homeowners.
About this service
Storm damage roofing covers documented inspection, written reporting, and repair or replacement after wind, hail, lightning, falling-tree, or named-storm events. All American Roofing performs free storm damage inspections in Metuchen and surrounding Middlesex County, NJ towns and provides a written report you can submit to your insurance carrier. We do not handle the claim for you - that conversation is between you and your insurer - but we give you the documentation to make it.
What's included
- Free roof and exterior inspection after a storm
- Photo documentation of damage to shingles, flashings, gutters, and soft metals
- Written inspection report you can submit to your insurance carrier
- Emergency tarping to keep water out while a claim is processed
- Repair or full replacement scopes priced in writing
- Coordination with your selected scope on installation day
Pricing
Storm damage inspections are free. Repair or replacement pricing depends on the scope: a single damaged area is far less than a full re-roof. Our roof replacements start at $7,600. Every project gets an itemized written estimate before any work begins.
What storm damage looks like
- Wind damage: lifted, creased, or missing shingles - most often on gable ends, ridges, and the windward slope
- Hail damage: round bruises and granule loss on shingles; matching dents in gutters, downspouts, and HVAC fins (often invisible from the ground)
- Tree limb impact: punctured shingles, cracked decking, or torn flashing
- Ice dam damage: water intrusion at the eaves and interior staining at exterior walls
- Lightning damage: burn marks at the strike point or surge damage to attic-mounted equipment
How it works
- Call after the storm. Get on the schedule for a free inspection - the sooner the inspection, the easier it is to attribute damage to the specific event.
- Free inspection and documentation. We climb the roof, photograph and measure damage to shingles, flashings, gutters, vents, and any soft metal items hit by hail.
- Written report. You receive a written inspection report with photos that you can submit to your insurance carrier. There is no charge.
- Estimate. Once you know the scope of damage, we provide an itemized estimate for repair or replacement.
- Repair or replace. Once you authorize the work and any insurance proceeds are released, we schedule the project. Emergency tarping can be installed first if needed.
Watch for storm chasers
After major NJ storms, out-of-state contractors flood the area, sign you up door-to-door, take the insurance check, and disappear. Always verify a NJ Home Improvement Contractor (HIC) license, a local physical address, and a current insurance certificate before signing anything. Office: 215 Main St, Metuchen, NJ.
Storm damage in Middlesex County, NJ
Middlesex County sits in the path of nor'easters off the Atlantic, severe summer thunderstorm cells with damaging straight-line winds and small hail, and the occasional remnant of a tropical system in late summer or early fall. Tree-heavy older neighborhoods in Edison, Metuchen, Highland Park, Iselin, Piscataway, and East Brunswick see frequent limb-impact and wind damage. Documenting damage with photos and a written report from a licensed local roofer is the homeowner's strongest position when filing a claim.
Frequently asked questions
Does NJ homeowners insurance cover roof damage?
Most standard NJ HO-3 homeowners policies cover sudden roof damage from wind, hail, fallen trees, lightning, and named storms, subject to the policy deductible. Wear, tear, and gradual deterioration are not covered. Coverage details, deductibles, and any wind/hail surcharge are listed on your declarations page.
What does a storm damage inspection cost?
Free. We climb the roof, photograph the damage, and provide a written report you can submit to your insurance carrier at no charge.
How long do I have to file a claim in NJ?
Most NJ HO-3 policies require filing within 1 year of the date of loss. Some carriers shorten this to 180 days, and some hurricane and named-storm endorsements have their own deadlines. Check your policy declarations page or call your agent.
How do I spot wind damage on my roof?
Look for shingles that are missing, lifted at the corners, or creased across the middle (the crease breaks the sealant strip). Damage is most common on gable ends, ridges, and the windward side. Granules in the gutter and exposed nail heads are also wind-damage indicators.
How do I spot hail damage on my roof?
Hail bruising shows as round, dark spots where granules have been knocked loose and the asphalt mat is exposed. Soft metal items - gutters, downspouts, vent caps, HVAC fins - usually show dents from the same storm. Hail damage is often invisible from the ground.
What should I do right after a storm?
From the ground, photograph any visible damage, fallen limbs, missing shingles, and interior water stains. Save shingle pieces from the yard. If water is actively entering, place buckets and cover damaged ceilings. Then call a licensed roofer for a written inspection before calling your carrier.
Should I file a claim for every storm?
Not necessarily. If the visible damage is below your deductible, filing a claim can affect future premiums without producing a payout. A free roof inspection establishes the scope of damage in writing first - that should drive the decision.
Can a denied storm claim be reopened?
Sometimes. If the original adjuster missed damage that a roofer's inspection later documents, a supplemental claim can be filed with new photo evidence. Time limits and policy language vary by carrier.
How do I avoid storm-chaser scams?
Always verify a NJ Home Improvement Contractor (HIC) license number, a local physical address, and an insurance certificate before signing anything. Out-of-state contractors who go door-to-door after storms are the most common source of consumer complaints.
Is All American Roofing a licensed NJ contractor?
Yes. Licensed NJ Home Improvement Contractor. Office at 215 Main St, Metuchen, NJ 08840. Phone (908) 652-0241.