New Jersey Public Adjusters
Get help with your insurance claim today.
Coastal storms, nor'easters, and winter water losses hit New Jersey hardest. We level the playing field against carriers that underpay, delay, or deny — with no upfront cost and no fee until you recover.
We specialize in complex commercial claims that others won't touch. But you'll get the same effort on any type of claim, big or small.
What We Fight for New Jersey.
Every property type along the shore and across North Jersey — we document the full loss and fight the underpay.
Condo & Co-op Associations
Master policy vs. unit coverage; loss assessment disputes.
Shore & Seasonal Homes
Percentage deductibles; vacancy and delayed discovery.
Multi-Family & Mixed-Use
Loss of rents, habitability, code upgrades.
Retail, Office & Hospitality
Business interruption and contents undervalued.
Warehouse & Industrial
Flat-roof claims recast as maintenance.
Homeowners
Hidden damage and depreciation games.
Underpaid, delayed, or denied?
The same three carrier moves cost New Jersey owners the most. We fight all three.
Storm surge & flood
NFIP vs. private flood, wind-vs-water disputes, and the percentage deductible no one ran the math on. We untangle the two-policy split.
Nor'easter & named-storm deductibles
A 5% deductible on a $750k shore condo is $37,500 before the carrier writes a dollar. We surface that gap in the first review.
Winter water & freeze
Carpet-busting pipe bursts and freeze events that carriers love to under-scope. Hidden damage costs real money — we document the full loss.
The math carriers hope you don't do
New Jersey's rule set is a numeric minefield — named-storm percentages, two-policy wind/flood splits, and a hard 12-month statute-of-limitations clock.
On a $750,000 shore condo, a 5% deductible means you absorb $37,500 before the carrier writes a dollar. Most owners never see it because carriers quote it as a footnote percentage.
The wind loss above the structure line goes to the homeowners policy; the flood loss below it goes to NFIP or a private flood plan. Carriers routinely mis-allocate across the line to shrink both checks. We re-index the split.
12 months from the date of loss. New Jersey is unforgiving on this one — after it runs out, goodwill disappears and recovery becomes a legal fight. We start the file before it runs out.
You. Only you.
A public adjuster works for the policyholder, never the insurance company. In New Jersey, where P.L. 2025, c.84 requires a written contract in duplicate and a 3-day cancellation window, that distinction is the whole game.
Your Public Adjuster
We review the policy, document the loss, file or reopen the claim, and negotiate the maximum recovery. The NJ contract creates the scope — the duplicate copy is yours the moment you sign.
The Insurer's Adjuster
They work for the carrier, assess in the carrier's interest, and their first offer is rarely the fair one. You push back or you lose — and we do the pushing.
We serve all of New Jersey.
Choose your metro for details. Decades of insurance-claim experience across the state.
A name New Jersey owners trust.
We work for you, never the insurance company.
We read your policy, document the full loss, and negotiate the maximum recovery.
Commercial and coastal-heavy specialty.
Complex master-policy, HOA, and condo claims — from the shore to the suburbs.
Regional presence with local claims experience.
Our adjusters live in the markets we serve — Jersey City, Newark, Atlantic City, Trenton, and beyond.
No upfront cost.
No retainer, no hourly bills. We work on contingency — no recovery, no fee.
Want a team that works only for you?
How New Jersey owners work with JustClaims.
Free claim review
We review your policy and damage at no cost and tell you straight whether a public adjuster adds value.
Documentation
A licensed adjuster inspects and documents every covered loss, with AI-assisted tools so nothing is missed.
Filing & negotiation
We file or reopen the claim and negotiate directly with the carrier on your behalf.
You recover
Our fee comes out of the recovery. No recovery, no fee.
Ready to start? We don't get paid unless you recover.
How New Jersey regulates public adjusters.
→ Licensed by the NJ DOBI.
New Jersey public adjusters are licensed and regulated by the New Jersey Department of Banking and Insurance under N.J.S.A. 17:22B-3 and N.J.A.C. 11:1-37. You can verify any adjuster at nj.gov/dob.
→ Written contract + 3-day cancel.
P.L. 2025, c.84 requires a written contract in duplicate and gives you a 3-business-day right to cancel before any fee is earned. The duplicate copy must be in your hands the moment you sign.
→ Fees must be reasonably related.
N.J.A.C. 11:1-37.13(b)(3)(ii) requires fees to be reasonably related to services rendered — there is no percentage cap in New Jersey. We quote a flat contingency and deduct it from the recovery.
→ Carriers owe you good faith.
New Jersey requires insurers to handle claims fairly and in good faith. When a carrier underpays, delays, or denies without a reasonable basis, you have the right to push back.
Think your claim was handled in bad faith?
This is general information, not legal advice. Statutes and fees change. Confirm the specifics for your situation.
Serving New Jersey's key metros
Strategic footprint across the shore, north, and capital regions.
Jersey City
Coastal insurance demand in the most populous metro northeast of Philadelphia. Wind, surge, and condo/HOA master policies lead here.
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Atlantic City
Storm surge, named-storm percentage deductibles, and fractional wind/flood splits dominate the shore economy.
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Newark
Dense commercial corridors and winter pipe-loss claims in New Jersey's largest city.
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Trenton
State-regulated corridor where commercial and mixed-use claims run through our full documentation pipeline.
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Proven, per the playbook.
When dollar results are on file, render them below; otherwise render credentials.
Meet our New Jersey lead public adjuster
Stephane Elias
A seasoned insurance professional with nearly a decade of experience, Stephane Elias serves as a Senior Claims Professional and Public Adjuster with JustClaims. Throughout his career, Stephane has represented policyholders through leading public adjusting firms and served as a loss consultant for law firms specializing in insurance litigation — expertise that carries directly into New Jersey's complex coastal and commercial property claims. Licensed as a public adjuster in New Jersey, Texas (#2645032), Florida (#W564547), and other states, he specializes in commercial and residential property claims, claims management, appraisals, mediation, and strategic partnerships. Stephane is passionate about helping policyholders overcome delayed, denied, and underpaid insurance claims, ensuring they receive the full recovery they're entitled to under their policy.
Common Questions About New Jersey Insurance Claims
New Jersey public adjusters work on contingency — no upfront fee. Compensation is a percentage of the final insurance settlement, typically varying with claim size and complexity. Unlike some states, New Jersey has no statutory percentage cap on public adjuster fees (N.J.A.C. 11:1-37.13(b)(3)(ii)), so the fee is set in the written contract you sign. If there is no recovery, there is no charge.
Under P.L. 2025, c.84, every public adjuster contract in New Jersey must be in writing and must give you a 3-business-day right to cancel without penalty. The contract must state the adjuster's compensation and the scope of work. New Jersey also gives policyholders a 12-month window to bring suit on a property claim, so a signed contract must respect that statute of limitations. Always get the contract in writing before any work starts.
For most property claims — fire, wind, water — a police report is not required. It becomes relevant when theft, vandalism, or malicious mischief is part of the loss, where carriers commonly request a report number. For weather and accidental damage, your proof-of-loss documentation and photos carry the claim. We tell you upfront whether a police report will matter for your specific loss.
It depends on the loss size versus your deductible and the risk of premium impact. For damage well above the deductible, filing makes sense — that is what the policy is for. We review the claim before you file and give a straight assessment, so you can decide with real numbers instead of guesswork.
New Jersey public adjusters work on contingency — a percentage of the final settlement, no upfront fee. Commercial and large-loss claims often negotiate the percentage down with size and economy of scale. Because New Jersey has no statutory percentage cap (N.J.A.C. 11:1-37.13(b)(3)(ii)), the percentage is whatever is written in your contract — so it should be agreed before work begins. No recovery means no fee.
Anyone whose settlement depends on proving the full scope of a property loss: commercial building owners, HOA and condo associations, landlords, and homeowners facing underpaid or denied claims. Clients typically bring us in when the carrier's number does not cover the real cost of repair, when business income is at stake, or when the claim is too complex to document alone.
Public adjusters in New Jersey are licensed by the Department of Banking and Insurance under N.J.S.A. 17:22B-3 and N.J.A.C. 11:1-37. You can verify any adjuster through the NJDOBI license lookup at nj.gov — search by name or license number. Our New Jersey license number is available on request and we encourage every client to check it before signing.
On roof claims we handle the insurance side while you handle the work: we document the full scope of damage, bring in independent inspections when needed, and negotiate the settlement to match the real cost of repair or replacement. New Jersey wind and storm roof claims routinely underpay tear-off, code upgrades, and hidden decking damage — that gap is what we close.
New Jersey public adjusters are regulated under the Public Adjusters' Licensing Act (N.J.S.A. 17:22B-3) and N.J.A.C. 11:1-37, enforced by the Department of Banking and Insurance. The rules cover licensing, exams, surety bonds, and contract requirements — including the written-contract and 3-business-day cancellation rights added by P.L. 2025, c.84. Working with an unlicensed adjuster or letting a contractor negotiate your claim crosses that regulatory line.
We are paid a percentage of the final insurance settlement — nothing upfront, and nothing if there is no recovery. Payment comes out of the settlement proceeds after the carrier pays, never as a separate bill to you. For contractors referring owners, that means the owner is never asked to fund anything out of pocket to get the claim handled properly.
Find out what your New Jersey property claim is really worth.
It only takes a few minutes. No upfront cost. We only get paid when you do.
Licensed in New Jersey · Contingency fee, no upfront cost · Serving Jersey City, Newark, Atlantic City, Trenton, and beyond