Roof Replacement in Phillipsburg NJ 08865

Locally Owned & Operated


Looking for the right Roofing company for your home or property? Since 1980 we have been providing Roofing services to the Phillipsburg area.

(844) 359-2189

(Phillipsburg NJ 08865) –

When it comes to replacing your roof, you must decide whether to pay for it out-of-pocket, or to go through your home owners’ insurance carrier. Since roof replacement is a major part of why many people have homeowners’ insurance policies, filing a claim is the most common route. However, if you do choose to file a homeowners’ insurance claim for roof replacement, be aware that there are 9 Tips to Help You Replace Your Roof Phillipsburg NJ 08865 several factors involved in the claim process. For this reason, it is important to do your research in order to understand what to expect when preparing for a roof replacement insurance claim. Continue reading to review some of the most frequently asked questions regarding roof replacement and insurance claims.

My Check is Less Than The Cost to Replace My Roof. Why?

An insurance adjuster reveals his estimate for the Phillipsburg NJ 08865 cost of your roof, but then makes two major deductions: your deductible and depreciation/betterment. Continue below to learn the meanings behind them.

What Do All These Insurance Terms Mean? Betterment, Depreciation, RCV, ACV?

Depreciation is the loss of value in an asset, as a result of age, wear, and tear. In contrast, betterment is a term that refers to an improvement that adds to the value of a property 6 Warning Signs Your Roof Needs Repair Or Replacement That You ... Phillipsburg NJ 08865 or facility. The current retail cost to replace the total amount of damaged or defective roofing materials is called the replacement cost value, or RCV. The actual cost value is abbreviated as ACV, and represents the actual cash value of a roofing system. The ACV takes into account general depreciation. For instance, if a roof that is meant to last 50 years becomes totaled from hail after Phillipsburg NJ 08865 only 25, if the RVC is $30,000, the ACV is only $15,000. This depreciation is usually paid once a final invoice is submitted.

The Adjuster’s Estimate Does Not Seem Accurate. Is it a Final Estimate or Can I Dispute it?

A final estimate from an adjuster is not necessarily set in stone. If an estimate from your roofing company is different from your adjusters, there is no need to Phillipsburg NJ 08865 worry. It is important that your roofing contractor and your insurance adjuster communicate on several areas of concern, in order to reconcile some of the discrepancies in the final estimate. If you are compelled to dispute certain depreciations, you would need to file a claim within the company, work your way up through the chain of command, and present your evidence as to why the depreciation estimates Phillipsburg NJ 08865 are inaccurate or unreasonable. It helps to have your roofing contractor assist you with these types of claims because they can provide professional documentation of what they think is a fair resolution.

In Total, How Much Will it Cost Me to Replace My Roof?

With homeowners’ insurance, you will only be paying the deductible and any upgrades you choose. You might have to pay for the entire roof replacement Phillipsburg NJ 08865 upfront, and then get reimbursed for it through a check sent by your insurance carrier. Some insurance companies operate this way to avoid fraud.

I Found a Roofing Company That Says They Will “Cover My Deductible.” Is This Legitimate?

No one should pay your deductible except for you. If a roofing company advertises that they will “cover your deductible”, it is an unethical and improper way of doing business. Phillipsburg NJ 08865 A reputable roofing company will never advertise this. Furthermore, a sign allowance can be a disguise for a “cover your deductible” scam. If they offer a referral fee, in order for it to be legitimate and ethical, the fee must be the same whether a roof is purchased or not. Also, it must be reported as taxable income.

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Business Results 1 - 10 of 36

Warren Thompson & Son
2 Reviews
Roofing, Gutter Services, Siding
513 513 3rd Ave, Alpha, NJ 08865

Alan Kunsman Roofing & Siding
3 Reviews
Roofing, Windows Installation, Masonry/Concrete
203 Washington St, Freemansburg, PA 18017

Kulp Roofing & Construction
3 Reviews
Roofing, Gutter Services, Siding
216 D Apple St, Quakertown, PA 18951

Make It Right Home Improvements
0 Reviews
Roofing, Contractors, Cabinetry
2430 Butler St, Ste 147, Easton, PA 18042

Eltz Home Improvements
2 Reviews
Roofing, Contractors
1103 S Howard St, Allentown, PA 18103

Hunterdon Siding & Window
6 Reviews
Contractors, Roofing, Windows Installation
1235 State Rt 31 S, Lebanon, NJ 08833

Adept Roofing
1 Reviews
Roofing, Gutter Services, Chimney Sweeps
17 Cambridge Pl, Catasauqua, PA 18032

Element Roofing
0 Reviews
Roofing, Gutter Services, Carpenters
1909 Aripine Ave, Bethlehem, PA 18018

Master's Home Solutions
5 Reviews
Contractors, Roofing, Damage Restoration
710 Park St, Whitehall, PA 18052

Legacy Building Solutions - East
0 Reviews
114 Pennsylvania Ave, Easton, PA 18042


For quality workmanship and service for your residential and commercial Roofing needs, choose a company with over 38 years of service in the Phillipsburg area.

Highly Rated

Integrity, quality workmanship and attention to detail have made us one of the most reliable Roofing companies in Phillipsburg.

Quality Service

We focus on making the process as least disruptive as possible to our clients

Affordable Prices

We work hard to keep our costs low and transfer these efficiency savings on to our customers

100% New Jersey Licensed Experts

We can complete any size project  in a timely manner, without skipping any steps  or cutting any corners.


(844) 359-2189