Resources
Plain-language guidance from a licensed public adjuster. No insurance jargon. No sales pitch.
Why this matters
Insurance policies are long, technical documents written by attorneys for insurance companies. Most policyholders sign them, file them away, and never read them until something goes wrong. By then, the clock is already running.
The information on this page is designed to help you understand the claims process, protect your rights as a policyholder, and avoid the most common mistakes that lead to underpaid or denied claims.
After a loss occurs
You have a duty under most policies to prevent additional loss. Board up broken windows, tarp a damaged roof, shut off water at the main if there's a pipe failure. Keep all receipts — these emergency mitigation costs are typically reimbursable.
Photograph and video every area of damage before anything is moved, cleaned, or repaired. Capture wide shots for context and close-ups for detail. Date-stamped photos from your phone are admissible documentation.
Notify your insurer promptly. Most policies require timely notice as a condition of coverage. You do not need to have a full damage assessment before reporting — report first, document fully afterward.
Do not sign a proof of loss, accept a settlement check, or authorize repairs until you understand the full scope of your damage. Accepting a partial payment can complicate your ability to recover the full amount owed.
Record every conversation with your insurer: date, time, name of the representative, and what was discussed. Follow up verbal conversations with a written email summary. This record protects you if there are disputes later.
Ask your insurer for a complete copy of your policy including all endorsements, exclusions, and declarations page. You are entitled to this. Review it carefully or have a professional review it on your behalf.
Your rights as a New Jersey policyholder
New Jersey has specific statutes and regulations governing how insurance companies must handle property claims. Understanding these rights can make a significant difference in your outcome.
Under New Jersey law, your insurer must acknowledge receipt of your claim within a reasonable time and begin investigation promptly. Unreasonable delays in claim handling can constitute bad faith.
If your claim is denied or partially denied, your insurer must provide a written explanation citing the specific policy language or reason for the denial. A vague or unsupported denial can be challenged.
New Jersey policyholders have the legal right to retain a licensed public adjuster to represent them in the claims process. The insurer cannot prevent you from doing so or penalize you for it.
Most New Jersey homeowner and commercial policies include an appraisal clause. If you and your insurer disagree on the amount of loss, either party can invoke appraisal — an independent process to resolve the dispute without litigation.
If you believe your insurer has acted in bad faith or violated New Jersey insurance regulations, you can file a complaint with the New Jersey Department of Banking and Insurance (DOBI). This is a free process and creates a formal record.
New Jersey law and most policies set a deadline for filing suit against your insurer. This is typically two years from the date of loss, but policy language can vary. Do not let this deadline pass without taking action.
Common mistakes
The insurer's first settlement offer is rarely the final or correct number. It is based on their adjuster's scope — which may miss hidden damage, undervalue materials, or exclude covered items. Always review before accepting.
Do not discard damaged items before your insurer has had the opportunity to inspect them. Disposing of evidence — even unintentionally — can give the insurer grounds to dispute your claim.
Your contractor works for you, not your insurer — and they are not licensed to negotiate insurance claims on your behalf. Only a licensed public adjuster or attorney can legally represent you in claim negotiations in New Jersey.
Most policies require you to submit a signed proof of loss within a specific timeframe — often 60 days. Missing this deadline can jeopardize your claim. If you need an extension, request it in writing.
Exclusions are where claims get denied. Common exclusions include flood (requires separate NFIP or private flood policy), earth movement, and wear and tear. Understanding what is excluded is as important as knowing what is covered.
The earlier a public adjuster is involved, the more effectively they can document the loss, protect your rights, and build a complete claim. Bringing in help after a settlement has been accepted limits what can be recovered.
Claim terminology
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