Insurance Appraiser in Ocean City, NJ

Ocean City’s duplex condos, raised beach houses and bayside lagoon homes face the Atlantic year-round, and many sit empty all winter. That combination shapes almost every claim here.

County

Cape May County

Region

Jersey Shore

Housing

Up-down duplex condos, elevated single-family homes, beach blocks

Local claim risks

Coastal flooding
Nor’easters
Wind
Frozen pipes in seasonal homes
Salt corrosion

Seasonal homes on a barrier island

Ocean City is an eight-mile barrier island in Cape May County. Many properties are up-down duplexes split into two condominium units, each with its own owner and policy. The North End and South End have elevated single-family homes, and the bay side has homes on lagoons. Many owners use them only in summer.

Storms that shaped the island

The Ash Wednesday Storm of 1962 flooded nearly the whole island. Sandy damaged homes and the boardwalk in 2012. Winter Storm Jonas in January 2016 brought record coastal flooding to parts of Cape May County. Frozen pipes in empty winter homes are among the most common claims we see.

Disputes we see in Ocean City

Duplex claims where two owners and two policies share a roof.
Frozen pipe losses in vacant homes, where heat and water shutoff matter.
Wind and flood damage on the same home.
Elevated home stairs, decks and utilities left out of the scope.

We serve Ocean City and nearby Cape May County communities, including Sea Isle City, Somers Point, Marmora, Strathmere, Avalon and Cape May.

Services available in Ocean City

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

Questions from Ocean City property owners

My duplex neighbor and I share a roof. How do we handle a claim?

Each owner claims under their own policy, and any association governing the duplex may also have coverage. We value the shared roof so each policy pays its share.

My pipes froze while my shore house was empty. Am I covered?

It depends on the freezing exclusion. Many policies cover freezing only if heat was maintained or the water was shut off and drained.