Homeowners Insurance Claims

Tell Us About Your Property, Damage, or Theft

Storm damage, fire, accident, or burglary? Regardless of the reason, we're here to help with your Homeowners Insurance claim. Report what happened and we'll take care of the rest.

What to Do after a Loss

Contact the Authorities

If necessary, contact the police department, fire department or other appropriate authority to report the incident.

Contact NJM

Call NJM as soon as possible to report your claim. Have your policy number, date, time and location of the loss if available, and a description of the incident.

Take Photos of All Damages

Use your cell phone or digital camera to take photos. List and retain all damaged property along with receipts for any out-of-pocket expenses.

Speak to Your Adjuster

Your adjuster will explain coverages, schedule an inspection and evaluate your damages.

What Are the Four Most Common Homeowners Claims?

1. Exterior wind damage to shingles and siding.
2. Weather related damage. Holes in siding or screens due to rain, melting ice, snow, hail, roof leaks and ice damming.
3. Interior water damage from plumbing or appliance issues, toilet overflow or pipe leaks.
4. Lost or stolen personal items.

How to Prevent Future Damage to Your Home

Stay current with home repairs and maintenance. Caulk windows, clean or replace worn gutters, trim tree limbs, fix shingles and insulate pipes to prevent freezing.