After a storm, most South Jersey homeowners do one of two things: they ignore the damage until it becomes a leak, or they assume their insurance will not cover it and pay out of pocket. Both are costly mistakes. Most standard homeowners policies cover wind and hail damage, the two most common causes of roof damage in Camden, Gloucester, Burlington, Atlantic, Salem, Cape May, Cumberland, Monmouth, and Ocean counties, and a proper claim inspection is the difference between a covered replacement and a repair bill you did not have to pay.
Legacy Contracting provides free insurance claim inspections. We get on the roof, document what we find with photos and measurements, and walk you through exactly what your policy likely covers before you make a single call to your insurer. No cost, no obligation, no pressure.
Call or text (856) 519-5822 to schedule your free inspection.
Do I Qualify for a Free Roof?
Replacements, repairs, and storm damage work across all of South Jersey. Click any photo to expand.
Check what applies to your roof. If any of these describe your situation, you likely have a viable insurance claim and we can help you document and navigate it.
Shingles blown off by wind are a covered event under most standard HO-3 policies. Even a few missing shingles can document a qualifying wind event, especially if you can tie it to a specific storm date.
Hail impacts, wind damage, falling debris, and water intrusion caused by a weather event are typically covered if the damage occurred during the policy period. Hail damage is often invisible from the ground but clearly documented under inspection.
Wind can break the seal strip on shingles without blowing them off entirely. Lifted or curled shingles are a major vulnerability. Water gets underneath, soaks the decking, and causes rot and interior leaks. Insurance adjusters look for this specifically.
Fill out the form below and we will contact you within one business day to schedule your free inspection.
The insurance claim process has more steps than most homeowners realize, and missing any one of them can result in a lower payout or an outright denial. Here is what actually happens and what we do at each stage:
Knowing what adjusters are trained to assess, and what they sometimes overlook, is a core part of what we bring to your claim inspection. Here is what gets documented and why it matters:
The difference between a denied claim and an approved one is often documentation. We bring the tools and the process to make sure the damage is properly recorded.
A single weather-related claim typically has minimal impact on your rates in New Jersey, especially with most major carriers. Rate impact is more likely if you file multiple claims in a short period. We recommend calling your agent before filing to understand your specific policy terms, but in most cases, using insurance you paid for to cover a legitimate storm loss is exactly what the policy is designed for.
New Jersey law requires insurers to accept claims within one year of the date of loss under most standard policies, though some policies allow two years. The sooner you file, the stronger your claim. Damage is easier to tie to a specific storm when the inspection happens close to the event.
A denial is not always final. Common reasons for denial include insufficient documentation, failure to tie damage to a specific storm event, or an adjuster who missed items during their inspection. If we believe the denial is incorrect, we can help you build a supplemental claim with additional documentation and request a re-inspection.
Yes. The inspection is completely free and there is no obligation to use us for the repair or replacement. If your claim is approved and you choose us for the work, great. If not, you still walk away with a documented damage report and a clear picture of your roof's condition.
ACV (Actual Cash Value) means your insurer pays the depreciated value of your roof at the time of loss, so a 15-year-old roof gets significantly less than replacement cost. RCV (Replacement Cost Value) means they pay what it actually costs to replace the roof today, minus your deductible. Most homeowners are on RCV policies but may not realize it. We can help you read your declarations page and understand what you are entitled to before the adjuster arrives.
We serve all of South Jersey including Camden, Gloucester, Burlington, Atlantic, Salem, Cape May, Cumberland, Monmouth, and Ocean counties. From Cherry Hill and Moorestown to Atlantic City, Salem, Cape May Court House, Vineland, and everywhere in between.
Same crew, same standards, same accountability on every job. We spend your money like it is our own because we know what it took to earn it.
Get a Free EstimateWell done guys. Thanks for the friendly service and saving not only my deck but my house. Would absolutely recommend Legacy to anyone looking for quality work done right.
Fabulous job. Very detail oriented and efficient. The crew was professional from start to finish and the final product exceeded expectations.
Great work and the final product was beautiful. They communicated clearly throughout and we always knew what was happening and when to expect the crew.
Great service, super friendly. They treated my home like it was their own. That is exactly what you want from a contractor.
Great group of people. Hired them twice and both times the crew showed up on time, worked clean, and left the property better than they found it.
No sales pressure, no runaround. They quoted it, built it, and it looks exactly like we discussed.
