Lake Como has 1,144 homes, and half of them were standing by 1959. Below: what the code asks of a replacement here, the permit, and the town’s own records.
New Roofing Costs connects homeowners with independent local roofing contractors. We do not perform roofing work.
This number connects homeowners who are planning a new roof or a full roof replacement with independent local roofing contractors. It is not for leak repairs or patch jobs. The call must come from the homeowner who decides on the roof. Calls may be recorded.
Permit
Under N.J.A.C. 5:23-2.7 a reroof of a detached one- or two-family house goes ahead without a permit or a notice to the construction office. Attached houses (5% of Lake Como’s homes) and any work that touches the structure fall outside the rule.
Source: N.J.A.C. 5:23-2.7
Layers
The state strikes the IRC reroof definitions from its code (N.J.A.C. 5:23-3.21) and leaves existing houses to the Rehabilitation Subcode, not yet checked here. 61% of Lake Como’s homes were built before 1980, so get the layer count and a tear-off price in writing.
Source: N.J.A.C. 5:23-3.21
Ice barrier
Only Sussex County meets New Jersey’s 25 °F January test for a required ice barrier (N.J.A.C. 5:23-3.21; DCA Bulletin 07-3). For Lake Como, ask whether the quote includes one anyway.
Source: N.J.A.C. 5:23-3.21; NJ DCA Bulletin 07-3
Checked against the code text on October 24, 2026. Code edition, permit and contract rules for the whole state: roof replacement in New Jersey.
63% of the occupied homes in Lake Como are lived in by their owners: 529 households, the people this line is for. Counting by decade, 23% before 1940, 52% before 1960, 61% before 1980 of the housing was in place, and 22% dates from 2000 on. (ACS 2020–2024.)
The housing is 72% detached houses, 5% attached single-family houses (rowhouses, twins and townhouses), 10% buildings of two to four units.
22% of the homes in Lake Como are seasonal or occasional-use homes (ACS 2020–2024). If yours is one of them and you live elsewhere, the call still has to come from you as the owner.
Of the 48 Monmouth County municipalities on this site, Lake Como has the 32nd largest share of homes built before 1980: 61%, against a county range of 22% to 87%.
| Place | Median built | Before 1980 | Owners | Row, twin | Hail days |
|---|---|---|---|---|---|
| Lake Como | 1959 | 61% | 63% | 5% | 10 |
| Belmar | 1957 | 75% | 57% | 7% | 10 |
| Spring Lake | 1966 | 56% | 92% | 4% | 10 |
| Avon-by-the-Sea | 1952 | 78% | 69% | 2% | 7 |
| Spring Lake Heights | 1972 | 70% | 62% | 19% | 11 |
| Neptune City | 1959 | 80% | 72% | 6% | 10 |
Median built: median year the homes were built. Before 1980: share of homes built then. Owners: share of homes that are owner-occupied. Row, twin: share of homes that are rowhouses, twins or townhouses. Census ACS 2020–2024. Hail days: days with hail of 1 inch or larger within 10 miles, 2006–2025, NOAA Storm Prediction Center.
Since 2006 the National Weather Service has logged hail of 1 inch or larger on 10 separate days within 10 miles of Lake Como; the largest was 1.75 in on June 29, 2019. The most recent was April 1, 2023.
At the county level, Lake Como shares Monmouth County’s record of 7 storm disaster declarations since 2006, the newest DR-4614 (Remnants of Hurricane Ida, September 2021). (OpenFEMA.)
Storm reports are what observers logged, not a measure of damage to any roof. When wind or hail damage means a new roof.
Useful life is HUD’s planning figure, not a warranty. More in the guides to shingles, metal, slate and flat roofs.
| Material | HUD useful life | Fits a house like | Watch for |
|---|---|---|---|
| Asphalt shingles | 20 years | Most pitched roofs; 72% of homes here are detached | Wind class set by the design wind speed (IRC Table R905.2.4.1) |
| Metal (standing seam, panels) | 50 years | Low pitches and long runs | A complete standing-seam system may go over the old roof (R908.3.1) |
| Slate | 75 years | Older houses; 23% here predate 1940 | Sound slate can be reused (R908.5); broken slate cannot |
| Flat roof: EPDM or TPO | 15 years | Additions and porch roofs | Coating is not a replacement |
Any business offering home improvements in Lake Como must be registered with the New Jersey Division of Consumer Affairs, with the number on its contracts and ads (N.J.S.A. 56:8-138, 56:8-144); 47,473 registrations were active in October 2026.
Contracts, deposits and the right to cancel: checking a roofing contractor. What moves the price: new roof cost in New Jersey.
Detached houses: no permit, no notice. Under N.J.A.C. 5:23-2.7 a reroof of a detached one- or two-family house goes ahead without a permit or a notice to the construction office. Attached houses (5% of Lake Como’s homes) and any work that touches the structure fall outside the rule.
By the Census Bureau’s American Community Survey (2020–2024), the median home in Lake Como was built in 1959, 61% of homes were built before 1980, 63% are owner-occupied.
Hail of 1 inch or larger was reported on 10 days within 10 miles of Lake Como from 2006 through 2025 (NOAA Storm Prediction Center). A report means hail fell nearby, not that a roof was damaged.
Any business offering home improvements in Lake Como must be registered with the New Jersey Division of Consumer Affairs, with the number on its contracts and ads (N.J.S.A. 56:8-138, 56:8-144); 47,473 registrations were active in October 2026.
The full list: before you call.
Checked October 24, 2026. Laws and code editions change; the date says when these were last read at the source.