New Jersey insurers are increasingly requiring roof inspections and refusing to renew policies on aging roofs. A GAF-certified inspection from B&T protects your coverage and your investment.
Insurance companies in New Jersey have quietly tightened their roof requirements over the past 5 years. What used to be a routine renewal is now sometimes a roof inspection requirement — and failing that inspection can mean non-renewal, higher premiums, or a reduced payout on future claims.
Many NJ insurers now require an inspection report before renewal. Some decline coverage entirely for asphalt roofs over 25 years without documentation of condition.
Following a major storm event (nor'easter, hail), some insurers require an inspection before processing claims — even if you did not file one.
If you are buying or selling a home, the new insurer will often require a roof condition certification as a condition of coverage.
Aerial imaging technology (Nearmap, EagleView) allows insurers to monitor roof condition remotely. Significant deterioration can trigger an inspection requirement at renewal.
NJ homeowners who install a new GAF-certified roof often see insurance premium reductions of $200–$500 per year. Combined with improved energy efficiency and avoided future repairs, the return on investment for a new roof typically runs 3–5 years in Bergen County.
Our team serves all of Bergen County. Most inspections are available within 24–48 hours.
"After the nor'easter last March, I had three quotes. B&T were the only ones who came out same day, gave me a written estimate, and didn't try to upsell me. Roof looks perfect and passed inspection first try."
"My 22-year-old roof was showing its age. B&T did a complete inspection, explained every issue in plain English, and helped me file my insurance claim. The whole job was done in one day — couldn't be happier."
"We had mold from a hidden roof leak. B&T found the source in 20 minutes — something two other contractors missed. Fair price, fast work, and they followed up a week later to make sure everything was dry."
Honest answers from Bergen County's most trusted roofers
Free inspection. Written estimate. No pressure. Serving Oakland, Ramsey, Franklin Lakes, Pompton Lakes, Allendale, and all of Bergen County.
