New Jersey blizzards are notorious for bringing wet snow that sticks to roofs like glue. As snow changes to heavy rain, it often makes things worse for your roof and your home. Rain-saturated snow gets very heavy. Temperatures that oscillate above and below freezing build ice dams along the eaves as giant icicles reach for the ground below. Snow, slush and water back up behind these ridges of ice.
New Jersey roofs are designed to withstand the elements. They need to be strong enough to survive, year after year. Whether it’s winter, spring, summer or fall, high winds and other extreme events routinely assault residential roofs. In the winter, nor’easters sometimes dump massive amounts of heavy, wet snow on area rooftops. Proper protection of the home and its occupants is at stake.
Homeowners insurance policies cover many forms of roof damage that are the direct result of winter weather. These policies cover roof damage caused by what insurers call a “covered peril.” Common examples are fire, wind and hail. As Allstate says regarding this policy, “it typically helps pay to repair sudden, accidental damage.” Read More
It is a real shock when extreme winds or other forces damage your roof. Insurers refer to them as “covered perils.” Hail and fire are other examples.
Sustaining roof damage is a jarring experience for a homeowner. One day, you’re enjoying the comfort and security afforded by your roof. The next, you’re in a full-blown emergency. When your roof is seriously compromised, it’s time to put temporary protections in place without delay.
When high winds, hail or fire damage your roof, it’s time to act without delay. Unfortunately, this may lead to hasty decisions that can prove costly. The key is to do two things right away. First, call your agent. Second, get a reputable roofing contractor involved.
At first, most homeowners think about a couple of key insurance roof replacement questions. They want to know whether the damage is covered by their homeowner’s policy. They also want to know what policy provisions come into play. It’s important to establish whether it makes sense to file a claim.
When you have insurance roof replacement questions of any kind, you want answers you can trust. Some agents and the insurers they represent are trustworthy, and they mean well. However, no one can assess a roof’s condition quite like an experienced roofing specialist can. By contrast, insurers ask their adjusters to assess all types of residential damage. Roofing expertise is not always a given.
Most homeowners in northern NJ do not need roofing and siding services all that often. When they do, it’s sometimes difficult to think of the right questions to ask as they’re vetting contractors.
In the vinyl siding vs wood debate, there are various factors to consider. Homeowners should think about things like lifespan, architectural style, maintenance costs and sustainability.