When a Nor’easter pounds Manchester with heavy snow or a summer thunderstorm tears through with high winds, one of the first parts of a home to feel the impact is the roof. Shingles blow away, flashing loosens, ice dams form, and sometimes entire sections of roofing are compromised.
For Manchester homeowners, storm damage often leads to an important and sometimes confusing process: filing an insurance claim. Roofing in Manchester, NH, isn’t just about repairs and replacements—it’s also about understanding how insurance works, what’s covered, and how to navigate the process smoothly.
Why Insurance and Roofing Go Hand in Hand in Manchester
Manchester’s climate makes roofing especially vulnerable. Residents face:
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Winter snow and ice dams that lift shingles and create leaks.
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Spring rains that expose weaknesses in flashing and gutters.
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Summer storms with high winds and falling branches.
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Freeze-thaw cycles that expand and contract roofing materials.
These natural hazards mean that even well-maintained roofs sometimes need insurance-backed repairs.
What Homeowners Insurance Typically Covers
Most standard homeowners insurance policies in New Hampshire cover sudden and accidental damage to roofing. Common covered events include:
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Wind damage from storms.
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Fallen trees or branches.
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Hail impact.
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Ice dam water damage (depending on policy).
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Fire or smoke damage.
What policies usually don’t cover:
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Normal wear and tear.
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Poor maintenance.
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Gradual leaks or neglect.
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Cosmetic issues like faded shingles.
Understanding the difference between “storm damage” and “maintenance issues” is crucial for successful claims.
Step 1: Inspect After Every Storm
After major storms in Manchester, homeowners should perform a quick visual check from the ground:
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Missing or lifted shingles.
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Damaged gutters or downspouts.
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Fallen branches on the roof.
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Sagging sections or visible leaks indoors.
Even if nothing obvious appears, it’s wise to schedule a professional inspection. Some damage—like lifted flashing or hidden water intrusion—can only be identified by roofers.
Step 2: Document Everything
Insurance companies require proof. Manchester homeowners should:
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Take clear photos of visible damage.
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Record the date and details of the storm.
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Save receipts for emergency repairs (like tarps).
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Keep records of past roofing maintenance.
The more evidence available, the smoother the claims process becomes.
Step 3: Contact a Roofing Contractor Before the Insurance Company
This surprises many homeowners, but it’s often wise to call a roofing contractor before filing a claim. Here’s why:
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A roofer can confirm whether the damage is storm-related (covered) or maintenance-related (not covered).
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They can provide a professional inspection report, strengthening the claim.
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Contractors familiar with Manchester weather and insurance adjusters can advocate for fair coverage.
Local roofing contractors often work directly with insurance adjusters to make sure damage is fully recognized—not minimized.
Step 4: File the Claim
Once a roofer confirms storm-related damage, homeowners file a claim with their insurance provider. The process typically involves:
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Contacting the insurer as soon as possible after the storm.
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Providing documentation (photos, inspection report, receipts).
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Scheduling an adjuster visit to assess damage.
Step 5: Work with the Adjuster
Insurance adjusters evaluate the claim and determine coverage. Having a roofing contractor present during the adjuster’s visit ensures:
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All damage is identified, not just the most obvious.
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The repair estimate reflects real Manchester roofing costs.
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The scope of work includes preventive measures (like ice shield installation) to stop repeat issues.
Roof Repair vs. Replacement in Claims
A common point of confusion is whether insurance will pay for a full replacement or just repairs. In Manchester:
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Repairs are approved if only a small section is damaged and materials can be matched.
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Replacement may be necessary if damage is widespread or if shingles are discontinued, making repairs impractical.
Roofers familiar with Manchester suppliers can confirm whether replacement is justified.
Avoiding Claim Denials
Common reasons claims get denied include:
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Filing too late after the storm.
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Lack of documentation.
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Evidence of neglect or poor maintenance.
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Pre-existing damage unrelated to the storm.
Homeowners can avoid these pitfalls with regular maintenance, timely inspections, and keeping detailed records.
The Role of Local Roofing Contractors
Manchester contractors don’t just repair roofs—they guide homeowners through the insurance maze. Their roles often include:
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Emergency tarping to prevent further damage.
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Writing detailed inspection reports.
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Meeting adjusters on-site.
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Explaining policy language in practical terms.
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Handling repair or replacement once claims are approved.
Local knowledge of Manchester weather patterns, building codes, and insurance trends gives homeowners a major advantage.
Roofing Costs and Insurance in Manchester
Without insurance, roofing projects can be costly:
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Repairs: $500–$2,500 depending on severity.
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Full replacement: $7,000–$15,000 for asphalt shingles.
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Metal roofing: $15,000–$30,000+.
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Slate roofing: $25,000+.
With insurance, homeowners often only pay their deductible, making storm-related claims an important financial safeguard.
Final Thoughts
In Manchester, NH, roofing and insurance are inseparable. With heavy snow, ice, and storms battering homes year after year, even the best roofs sometimes suffer damage beyond a homeowner’s control.
Understanding what’s covered, documenting damage, and working with trusted local contractors ensures claims are processed smoothly—and repairs are done right.
For Manchester homeowners, the key lesson is clear: don’t wait until the next Nor’easter to think about insurance and your roof. By staying proactive, you’ll protect both your home and your wallet.