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The Claim Process

FAQ

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          NJ Property Damage Assessment

Yes. Once paid, homeowners have a right to use their own contractor to spend the money and make repairs any way they choose.

NJPDA offers Free Home Inspections whether we can qualify a loss or not. If we can, there is no out of pocket expense. By law public adjusters can only be paid a commission from the proceeds after the claim is settled. The commission percentage is determined on a case by case basis depending on the degree and nature of the loss. Any fee is contingent on the success of the claim. Since we share a common interest, we strive to get the largest settlement so you’ll have more than enough to repair your home to your own preference.

Absolutely NOT! Homeowners insurance is not like auto insurance. In March 2000, legislation was passed to protect homeowners from being singled out for any rate increase or penalty when damage occurs due to natural or incidental causes

Frequently Asked Questions

In 1993, pursuant to NJ Statute 17:22B,  the New Jersey Department of Banking & Insurance sanctioned & qualified public adjusters to appraise property damage & negotiate fair settlements to protect the interests of the consumer when sudden and unforeseen damage occurs to your home. Public adjusters assist the Department regulate & police the insurance companies on behalf of the consumer.

1) What is a public adjuster and by whom are they commissioned?

2) Can I be penalized or have my rates go up for submitting an insurance claim on my home?

3) What is the cost to me as the homeowner?

4) Can I hire my own contractor to repair my home?

Depending on the size, cooperation and involvement on the loss, the adjustment of a claim may vary. Typically, without complications, the entire process of a common loss will generally take six to eight weeks. However, because many variables and factors could affect the process of a claim,  NJPDA will keep you well informed during the progression of your claim.

5) How long does it take to settle a claim?

 

 

 

The policy declaration page is a statement confirming the amounts and types of coverage you have that the insurance company sends to you each year. This information will help us determine whether your loss qualifies as a claim based on the provisions of your policy. If you cannot locate yours, you can request a copy from your agent or insurance company. Your mortgage company can also help you obtain this information.

6) How can I get my declaration page?