Insurance Appraiser in Jersey City, NJ

From Paulus Hook brownstones to Journal Square two-families and the condo towers along the Hudson, Jersey City claims mix century-old construction with some of the newest buildings in the state.

County

Hudson County

Region

Gateway North Jersey

Housing

Brownstones, row houses, waterfront condo towers

Local claim risks

Coastal surge
Condo water losses
Wind-driven rain
Brownstone roof leaks
Fire

Old row houses, new towers

Downtown neighborhoods such as Paulus Hook, Van Vorst Park and Hamilton Park are lined with 19th-century brownstones and brick row houses with shared walls, flat roofs and ornate cornices. The Heights and Journal Square have frame two- and three-family homes. Along the waterfront, Newport, Exchange Place and Liberty Harbor hold dozens of high-rise condominiums insured under association master policies. Greenville and Bergen-Lafayette add a mix of older homes and new construction.

Sandy and after

In 2012 Sandy’s surge flooded much of downtown Jersey City, filling basements, garages and PATH stations. Since then, the city has raised building standards in flood zones, but wind-driven rain, roof failures and plumbing leaks in tall buildings remain the most common claims we see here.

Jersey City disputes we handle

Condo water losses that move down several floors and touch master and unit-owner policies.
Brownstone roof and cornice repairs priced without specialty masonry or historic details.
Party-wall fire and smoke damage between attached homes.
Curtain-wall and window leaks in towers during wind-driven rain.

We work in Downtown, Paulus Hook, Hamilton Park, The Heights, Journal Square, McGinley Square, West Side, Bergen-Lafayette, Greenville and the waterfront, and in neighboring Hoboken, Bayonne and Union City.

Services available in Jersey City

Every New Jersey Insurance Appraiser service is available to property owners in Jersey City and the rest of Hudson County, including:

Questions from Jersey City property owners

My condo was damaged by a leak from the unit above. Whose policy pays?

It depends on the association’s bylaws, the master policy and both owners’ HO-6 policies. We value the damage so each policy’s share can be applied.

Do historic district rules affect repairs in Jersey City?

They can. Properties in designated historic districts may need approval for exterior work and specific materials. Ordinance-or-law coverage may help pay for the added cost.