Client Story: Storm Damage in Middletown, New Jersey

Strong winds caused storm damage to an insured’s home in Middletown, NJ. A portion of the roof was damaged, and rainwater entered into the home, causing a further water damage.

The insured enlisted JF Public Adjusters New Jersey to assist. The JFPA NJ team successfully settled the claim at $190,000, a substantial increase from the insurer’s original estimate of $89,000.

A standard homeowners insurance policy usually covers certain storm-related damages such as:

1. Water damage

2. Ice damage

3. Wind damage

4. Hail damage

5. Fallen tree damage

6. Lightning strike

7. Power surge

Up to the limits indicated in the policy.

Not all kinds of water damage is covered. Water damage caused by frozen pipes following a snow storm is usually covered. Damage to the home from a hailstorm is also covered. However, water from melting snow entering the home due to the roof being poorly maintained is not covered.

A fire resulting from lightning striking the home is covered, as is a power surge causing damage to electronics and appliances.

Coverage limits apply and these vary from one policy to another.

Storms can cause extensive damage to a property. There are many types of storm-related damage and they run the gamut from a roof being blown off by very strong winds, fires from a lighting strike, hail breaking down entire glass walls, to roofs collapsng from the weight of snow, and more.

Following a storm, you should thoroughly inspect your home for any signs of damage. Any damage you find could be covered by your insurance policy.

If you spot damage, contact the JF Public Adjusters NJ team straight away.

We’re happy to come in and inspect the damage to your home, free of charge.

A common issue that policyholders come across is inexperience in managing claims which often results in their claims being grossly underpaid. Don’t let this happen to you.

A study has shown that it is quite common for insurance companies to pay up to 70% less than the actual cost to repair a building. Don’t let this happen to you.

JF Public Adjusters NJ can manage your insurance claim so that you receive the best possible outcome – a fair claim settlement.