If you recently experienced fire, smoke, water, wind, hurricane, or other property damage in New Jersey, the management of your claim is crucial to the amount of your settlement and how quickly you receive it. How your claim is handled can determine whether you can return your property to its pre-loss position or you suffer significant financial loss.

In New Jersey property damage insurance claims, the burden of proof is on you as the policyholder to quantify and justify your loss. Throughout the claim process, there are several mistakes you can make if you manage the claim on your own that may result in you receiving less than what you are entitled to. At the onset, failure to comply with your duty to mitigate the loss and prevent further damage to the property can cause the insurer to pay you less or even deny your claim. Early in the claim process, the insurance company’s field adjuster may attend your property to conduct an inspection and document the damage. Without the right training and experience, you could miss significant portions of the damage, especially those that are not obvious or visible in a walk through. If these damages are not captured during the inspection, they will not be considered in valuing the loss, resulting in you receiving much less than what’s due. These are just some of the mistakes you can make early in the claim. The process is long, daunting, and disadvantageous to the inexperienced policyholder.

It’s important to remember that insurance companies operate for a profit, and one of the ways they maximize profits is to minimize claim payouts. The insurance carrier takes care of its own financial interests. Therefore, you cannot rely on your insurer to pay you what you are entitled to.

You need an insurance claims expert who speaks the language of insurance companies and understand the intricacies of the claim process. You need someone on your side who specializes in interpreting policy terms and conditions, quantifying a loss, and navigating the claim process.

JF Public Adjusters is a New Jersey-licensed public insurance adjuster with solid experience in insurance policy interpretation and claim negotiation, and is familiar with building and construction codes.

You need a professional NJ public insurance adjuster on your side who has your best interests in mind.

You pay for your insurance policy to cover you in the event of a claim, therefore you are entitled to every penny that is due to you. JF Public Adjusters ensure you receive the highest possible claim settlement you are eligible for.

JF Public Adjusters service Red Bank in Monmouth County, along with other neighbouring towns: Allenhurst, Asbury Park, Colts Neck Township, Deal, Eatontown, Freehold Borough, Freehold Township, Interlaken, Loch Arbour, Long Branch, Neptune City, Neptune Township, Ocean Township, Shrewsbury, Shrewsbury Township, Tinton Falls and West Long Branch.

JF Public Adjusters service all of New Jersey: