General information only
The content on this site is educational and general. It describes how insurance appraisal commonly works, but your policy’s wording controls. Read your own policy and endorsements.
Not legal advice, not a public adjuster
New Jersey Insurance Appraiser provides appraisal, estimating and umpire services. We aren’t attorneys, we don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
No guarantee of results
Every claim is different. Example figures on this site, including the default values in our tools, are illustrative and aren’t results for any client. No appraiser can guarantee an award.
Deadlines
Policies contain deadlines for notice, proof of loss, replacement cost recovery and lawsuits. Nothing on this site extends or changes a deadline. If one is close, talk to a New Jersey attorney promptly.
Photographs
Photos on this site are public-domain and CC0 images used for illustration. They don’t show our clients’ properties.
Third-party references
References to laws, agencies and weather events are for context. Check current law and facts with official sources such as the New Jersey Department of Banking and Insurance.