The Most Common Property Insurance Claims In New Jersey

The most common property claims in New Jersey may vary over time and depending on specific circumstances such as the region, climate, and property type. Some of the commonly encountered property claims in New Jersey include:

Water damage claims: As with many other locations, water damage claims are frequent in New Jersey due to issues like burst pipes, plumbing leaks, roof leaks, and flooding due to heavy rainstorms, hurricanes, and the proximity to bodies of water like the Atlantic Ocean.

Wind and hail damage claims: Claims related to wind and storm damage are common in coastal areas and regions prone to high winds. New Jersey experiences severe weather events such as thunderstorms, hailstorms, and occasional hurricanes. These can cause damage to roofs, siding, windows, and other exterior components of properties.

Fire and smoke damage claims: Fires can cause extensive destruction to homes, resulting in property claims for repairs, restoration, and replacement of damaged items. Fires can occur due to various reasons, including electrical faults, cooking accidents, or arson. Smoke and fire damage can affect the structure and contents of a property, requiring extensive restoration or rebuilding.

Theft and burglary claims: Property theft and break-ins are unfortunately common in many areas, including New Jersey. Claims related to stolen possessions, property damage during burglaries, or vandalism are frequently filed.

Liability claims: Property owners in New Jersey may face liability claims if someone is injured on their premises due to negligence, unsafe conditions, or inadequate maintenance. These claims can arise from slip and fall accidents, dog bites, or other incidents.

Frozen pipe claims: During colder months, freezing temperatures can cause pipes to burst, leading to water damage. New Jersey’s winter weather can contribute to an increased frequency of frozen pipe claims.

It’s important to note that the frequency and types of property claims can vary depending on specific circumstances, such as the location within New Jersey and prevailing weather patterns. Insurance providers and local authorities may have more accurate and up-to-date information on the most common property claims in a specific area.