Does New Jersey Homeowners Insurance Cover Roof Damage after a Storm?

If you're the proud owner of a home, then you know that the proper protection matters. While coverage may seem pretty basic, you could be on the hook for a significant loss if you're not well informed. New Jersey homeowners insurance will have protection for all areas, including roof damage after a storm.

A New Jersey independent insurance agent has access to multiple carriers at once, saving you time and money. They'll do the shopping for free while you relax. Connect with a local expert for tailored quotes in minutes.

What Does Homeowners Insurance Cover in New Jersey?

Your New Jersey home insurance will come with standard policy limits that can be adjusted to your individual needs. Check out the common coverage offerings:

• Dwelling limit: Pays for the replacement or repair of your home itself when a covered claim occurs.
• Personal property: Pays for the replacement or repair of your personal belongings.
• Personal liability: Pays for bodily injury, property damage, or slander claims against a household member.
• Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
• Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.

Number of homeowner insurance claims paid due to lightning losses in the US

The best way to ensure you don't pay out of pocket for a loss is by being proactive. The right policy can help you stay out of financial trouble when a claim occurs.

New Jersey Homeowners Catastrophes That Need Coverage

Protection against storm damage to your home and your roof is necessary, especially for the disasters that take place the most. In New Jersey, 1,078,146,000 homeowners claims were paid last year alone. The top five causes of damage are as follows:

• Severe storms and lightning
• Hurricanes and tropical storms
• Flooding and water damage
• Heavy snow
• Burglary and other property crimes

Estimated overall losses due to natural disasters in the US, by type

If you're not fully prepared for a catastrophe, then you could lose a small fortune when you have to cover it on your own. It's best to know how and what your policy will insure. 

What Does Storm Insurance Cover in New Jersey?

In New Jersey, it's critical to know how you're covered in the event of a storm. Check out what your home policy will cover when a storm loss occurs:

• Electrical and plumbing systems
• Foundational elements
• The structure itself
• Detached garages
• Well water tanks and pumps  
• Personal belongings

Does Homeowners Insurance Cover Roof Damage after a Storm in New Jersey?

Storm damage to your roof will be covered up to the limits preselected by you and your agent. Check out the different values that could be used to replace or repair your New Jersey roof:

• Replacement cost: Pays to replace your roof to its like kind and quality when a claim occurs, including storm damage.
• Actual cash value: Pays to replace or repair your roof to the current market value given the age of the roof. This typically applies when your roof is 15 years old or more. 

How a New Jersey Independent Insurance Agent Can Help

When you're choosing coverage for your home, there's a lot to consider. The cost of replacing your roof if there is storm damage can be tricky when you're unsure how much protection you have. Fortunately, a licensed professional can help review your policy for free.

A New Jersey independent insurance agent has access to a network of carrier options so that you get the best policy for a fair price. They'll do the comparing at no cost, making it a no-brainer. Connect with a local expert on trustedchoice.com for custom quotes today.