Statewide coverage
New Jersey Insurance Appraiser works statewide, from the Kittatinny Ridge to Cape May Point. These local pages cover the communities where we handle claims most often.
Featured communities
Regions
The same policy language plays out very differently in a Jersey City condo, a Morristown Victorian and an Ocean City duplex.
Bergen · Essex · Hudson · Passaic · Union
The most densely built part of the state, from Hudson River condo towers to Paterson’s multi-family blocks. Claims here often involve several units, shared roofs and water that moves between floors.
Towns: Newark, Jersey City, Paterson, Hackensack, Elizabeth, Hoboken
Morris · Sussex · Warren · Hunterdon
Higher ground and colder winters. Heavy wet snow, ice storms and big hardwoods make tree and winter water losses the main event, as the Halloween nor’easter of 2011 showed.
Towns: Morristown, Parsippany, Newton, Flemington, Phillipsburg
Middlesex · Somerset · Mercer
The Raritan basin floods in big tropical rains, from Floyd in 1999 to Ida in 2021. Postwar suburbs, Route 1 commerce and Trenton’s rowhouses fill the claim files.
Towns: Edison, New Brunswick, Trenton, Princeton, Somerville, Bound Brook
Monmouth · Ocean · Atlantic · Cape May
Barrier islands, bay towns and elevated rebuilds. Every major storm raises the same questions: which damage was wind, which was water, and which deductible applies.
Towns: Long Branch, Toms River, Atlantic City, Ocean City, Cape May
Camden · Burlington · Gloucester · Salem · Cumberland
Philadelphia suburbs give way to farms and the Pine Barrens. Derechos, the 2021 Mullica Hill tornado and Pinelands wildfires all shape claims here.
Towns: Cherry Hill, Mount Laurel, Mullica Hill, Vineland, Hammonton
Every county
We cover all 21 counties. Call and tell us where the property is.