We Handle the Insurance.
You Focus on Recovery.
Storm damage is stressful enough. We guide New Jersey homeowners through every step of the insurance claim process, from documentation to final payout, so nothing falls through the cracks.
The Storm Damage Claim Process
In New Jersey, storm damage claims follow a predictable sequence. Here is what to expect and where we step in at every stage.
Secure the Property
Immediately After StormBefore anything else, ensure the property is safe and prevent further damage. This may include tarping the roof, boarding windows, or removing hazards. Your insurance policy requires you to mitigate further loss. We handle this fast.
PMEGROUP: We dispatch same-day to tarp, board, and document emergency conditions.
Thorough Property Inspection
Within 24 to 48 HoursFile the Insurance Claim
Day 1–3Insurance Adjuster Inspection
Typically Within 1 to 2 WeeksReview the Estimate
After Adjuster VisitSupplement the Claim
As NeededApprove & Begin Restoration
After Claim SettlementFinal Inspection & Closeout
Project CompletionWhat to Document After a Storm
Check off items as you go. Thorough documentation is the foundation of a successful claim.
Exterior Damage0/10
- Photograph entire roof from multiple angles (ground level and aerial if safe)
- Document missing, cracked, or lifted shingles
- Photograph damaged or dented gutters and downspouts
- Document fascia and soffit damage
- Photograph siding damage: dents, cracks, missing panels
- Document window and door damage: frames, glass, seals
- Photograph chimney damage, caps, and flashing
- Document deck, railing, and fence damage
- Photograph damage to HVAC units, skylights, and vents
- Document any fallen trees or debris on structure
Interior Damage0/6
- Photograph all interior water stains, leaks, or active drips
- Document wet insulation in attic or crawl space
- Photograph damaged ceilings and drywall
- Document ruined flooring, carpet, or subfloor
- Photograph damaged personal property (keep receipts if possible)
- Note any mold or moisture accumulation, date observed
Documentation to Gather0/8
- Copy of current homeowner's insurance policy (declarations page)
- Prior inspection reports or recent appraisals
- Receipts for any emergency repairs already made
- Contractor estimates (do not sign anything yet)
- Weather reports confirming storm date and severity
- Photos with date/time stamps enabled on your phone
- Written log of all conversations with your insurer
- Your claim number and assigned adjuster's contact info
Before the Adjuster Arrives0/6
- Do NOT make permanent repairs before inspection (emergency tarp is OK)
- Do NOT dispose of damaged materials, save them as evidence
- Schedule PMEGROUP to attend the adjuster meeting with you
- Prepare a written list of all damages you have observed
- Note the date the damage occurred and the cause
- Have your policy number and deductible amount ready
Not sure what you're missing? We conduct a full professional inspection and handle all documentation for you. Call us and we'll come to the property.
The Adjuster Works for Them.
We Work for You.
Most homeowners don't know they can have a professional advocate present during the adjuster's inspection. We are that advocate.
- The insurance adjuster is employed by, or hired on behalf of, your insurance company.
- Their job is to assess damage and settle claims at the lowest defensible cost.
- They may miss items, use outdated pricing, or apply depreciation unfairly.
- You are not required to accept their first estimate. Claims can be supplemented.
- We inspect before the adjuster arrives so we know exactly what to point out.
- We attend the inspection and document everything on-site.
- We review their estimate and submit supplements for missing items.
- We handle all communication, you never deal with the adjuster alone.
Exactly How We Manage the Process
We Attend the Adjuster Meeting
We show up at the property alongside the adjuster and walk every inch of the structure. We point out damage that might otherwise go undocumented and ensure the scope is complete before the adjuster leaves.
We Communicate on Your Behalf
After the initial inspection, all ongoing communication with the adjuster flows through us. We speak their language, understand the documentation requirements, and know how to professionally push back when necessary.
We Identify What's Missing
We review the adjuster's estimate line by line against our own inspection report. Items that are omitted, undervalued, or incorrectly scoped are flagged and submitted in a formal supplement.
We Submit Supplements
If your initial payout does not cover the full cost of restoration, we prepare and submit a supplement with supporting photos, measurements, and current material pricing. This is standard practice and does not impact your coverage.
We Document Everything in Writing
Every conversation, submission, and response is tracked in writing. This protects you if there is ever a dispute about what was agreed or approved.
We Do Not Get Paid Until the Job is Done
We only collect when the project is complete. Our fee structure is tied to performance, so we are motivated to maximize your approved claim and deliver every item in the scope.
Avoid These Common Mistakes
Do not sign anything with a contractor before your claim is approved.
Do not allow permanent repairs before the adjuster inspects.
Do not accept the first estimate without review.
Do not handle the adjuster meeting alone.
Start Here
Storm Damage? Call Us First.
We inspect the property, handle the documentation, attend the adjuster meeting, and manage the entire restoration. One call gets everything in motion.