We document what a Long Island storm did to your roof and give you a written scope your adjuster can work from.
A storm leaves you with two problems on two different clocks. Water getting into the house is urgent, and there is one answer: stop it tonight. Proving what the storm did to your roof is not urgent in the same way, but it is time-limited, and easier to get wrong than most homeowners expect. This page is about that second problem. If water is actively coming in right now, go to emergency roof repair and call, we tarp active leaks regardless of what caused them.
The damage that costs people money is rarely the damage you can see from the driveway. A roof can look completely normal and still have lost its wind seal, exactly the kind of thing an adjuster's report needs to catch and a homeowner's eye usually does not.
A roof that looks fine from the ground can still be storm damaged. That is why a proper post-storm inspection gets on the roof itself rather than working from a photo taken at the curb.
This is the part that decides whether the process feels manageable or feels like a second storm. We are not insurance agents, so the honest approach is to explain how homeowners policies generally handle roof claims, then tell you to confirm specifics with your own declarations page and adjuster, because every policy differs.
Two terms decide most of what you actually get paid: Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV pays what it costs to replace the roof today. ACV pays that same number minus depreciation for the roof's age and condition before the storm, and the gap can be large, an older roof can produce a payout far below what any contractor's quote says. New York permits depreciation schedules, and insurers commonly limit older roofs, often somewhere past roughly fifteen to twenty years, to ACV coverage whether or not that is what the homeowner assumed they had. If your roof is in that range, a direct call to your carrier is worth it before you assume your policy works like your neighbor's.
If your policy is RCV, there is a cash flow detail worth knowing before you sign anything: the recoverable depreciation, the gap between the ACV check you get first and the full RCV amount, is typically released only after the work is completed. That is a timing problem, not a coverage problem. One more distinction matters: wind and storm damage is usually covered, while wear and tear or deferred maintenance usually is not, which is why documentation tied to a specific storm, dated photos, a written scope describing what changed, matters more than it might seem. It is the evidence separating "this storm did this" from "this roof was already old."
None of this is a statement about your specific policy. Read your declarations page and call your carrier with questions about your deductible, depreciation schedule, and filing window. For the fuller version, see does insurance cover roof replacement on Long Island.
Insurance funded or paid directly, you get the same thing from us: a specific written scope describing what we found and what the repair involves, not a verbal number. On a storm claim, that document is also what your adjuster works from.
After a nor'easter, Long Island sees an influx of crews that were not here last week and will not be here next season. A contractor who appears at your door the day after a storm with a clipboard and an out-of-state plate is the single most common way people here end up with a bad roof. We are not that, and it is worth being specific about the line.
What we do: we document the damage with photographs, on the roof, not from the driveway. We give you a written scope describing what we found and what the repair or replacement involves, the same document your adjuster can use. We will meet the adjuster on site if that helps.
What we will not do: we do not negotiate your insurance claim, that is between you and your carrier. We do not offer to waive or absorb your deductible, if a contractor offers that, they are proposing insurance fraud, reason enough to show them the door regardless of their price. And we do not knock doors after storms. If you want us out, you call us.
Photograph the damage before anything gets covered up. Photographing first is what makes the next steps defensible.
Tarp active leaks and exposed decking to stop further water intrusion, after the photos, not instead of them.
File with your carrier and get a claim number. Your written scope and photos support the adjuster's assessment.
Once the scope is agreed, the repair or replacement happens, matched to what was found, not to a guess.
Not sure whether what you are looking at needs a full roof replacement or a targeted roof repair? That is exactly what the on-roof inspection answers, the same visit whether the cause was a storm or ordinary wear.
This varies by carrier and policy, and some set a specific window from the date of loss. We are roofers, not insurance agents, so check your declarations page or call your carrier rather than rely on a general rule. Documenting the damage sooner rather than later only helps your position.
It can, and it depends on your carrier and your own claim history, which we have no visibility into. That is a fair question for your agent, not for us. We will not push you toward filing if the damage does not warrant it, and we will not talk you out of it if it does.
Often yes, if the rest of the roof is sound and the shingle line is still available. We will tell you honestly before the work starts whether a section repair will blend acceptably, the same way we handle any partial repair.
That happens, and the reasons vary by carrier and by the damage found. Our written scope and photos give you and your adjuster the clearest picture to work from, but the coverage decision belongs to your insurance company. If you want a second look after a denial, we are glad to come back out.
No. The consultation and inspection are free, whether the visit is prompted by a storm or by a roof that just looks tired.
These are the reviews our customers left on Google. There are nine of them, we publish all nine, and we do not post a star rating we cannot verify.
Frank was excellent to deal with. I am doing my roof, siding and windows. We went through all the materials being used in great detail. He provided samples so I can see, touch and feel them for myself. He was not pushy or aggressive to sell me this job.
I would like to give a huge shout out to Coast 2 Coast Roofing & Exteriors! They did such an AMAZING job on our home. Please see our before and after pictures of our vinyl siding. They also did outdoor lighting and some home improvements. This company was reasonable, reliable, knowledgeable, efficient, clean and organized, and most of all great customer service! I highly recommend this company
They are courteous and professional and they get the job in the time they tell you that they are gonna get done. Overall, very satisfied with my window installation and porch renovation!
Start with the free inspection. You will get photos of what we found and a written scope you can read line by line, whether or not you hire us.
