New Jersey Hurricane Insurance Laws – What you need to know:

Insurers in New Jersey may also charge its customers more expensive hurricane deductibles under appropriate circumstances. Such deductibles have been approved by the Department of Banking and Insurance where the National Weather Service classifies the storm as a hurricane and wind velocity is at least 74 miles per hour somewhere in the state.

New Jersey law requires a larger all perils deductible and special hurricane deductibles for properties that fall within one of the identified 116 coastal region zip codes. Such deductibles may be reduced if the policyholder has taken steps to reduce the risk of damage in the event of a hurricane such as making special roof constructions or storm shutters. Furthermore, insurance companies in New Jersey are required to inform policyholders in the coastal region zip codes what is required to reduce or eliminate the special deductibles.

“New Jersey Hurricane Insurance Laws”

Like New York residents, New Jersey residents lucked out when New Jersey Governor Chris Christie declared that New Jersey insurers may not apply hurricane deductibles to its policyholders as the storm did not qualify as a hurricane when it hit. But as is the case for most policy holders in any state, flooding is not covered under standard homeowner’s policies.

Goldman & Associate’s Michigan accident attorney and the New Jersey’s Department of Banking and Insurance provides the following tips on what to do after Hurricane Sandy:

• Make a claim to your insurer.

• Document damage to your house and personal property.

• Mitigate damages, or, make reasonable attempts to protect your property from further damage as long as it is safe to do so. Also, keep all receipts for your claim.

• Retain a public adjuster; in New Jersey, public adjusters must be licensed by the Department of Banking and Insurance.

Connecticut Hurricane Insurance Laws

The State of Connecticut has also authorized insurers to assess hurricane deductibles when the National Weather Service declares that there are winds that reach a velocity of at least 74 miles per hour anywhere in the state. And like those other states that surround it, hurricane deductibles were not assessed to policyholders as official hurricane criteria were not met. Damage caused by flooding is not a part of standard homeowner’s policies.

Insurance companies are required to pay claims quickly. If they refuse to do so, they are susceptible to fines, so most insurance companies in Connecticut have a history of paying out claims in a timely manner. If your insurer refuses to pay what you think you are entitled, it is important to document the damage sustained and resulting costs to you and your family, and to mitigate the damage by making reasonable repairs when it is safe to do so. You may also consider hiring a contractor to assess the cost to repair your property to give an idea of whether the insurance company is making a fair offer.

“Connecticut Hurricane Insurance Laws”

Michigan auto accident attorney advises, if your particular policy does not address damage caused by Hurricane Sandy, you may be eligible for federal aid through the U.S. Small Business Administration or the Federal Emergency Management Agency’s National Flood Insurance Program (FEMA).

If all else fails, but you feel like you have a claim, contact an attorney as soon as possible to assess whether you have a legitimate argument. Our Inurance Claims Attorneys in Michigan provide free case evaluations and are here to help you. Please visit us at for further information.

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