Flooding in New Jersey is very likely. In fact, between 1994 and 2003 there were approximately 19,000 claims filed in New Jersey alone. If you ever have to experience such flooding in New Jersey, it is important that you know what is involved with filing a NJ flood insurance claim.
The first step in filing a claim is to contact your agent or insurance company immediately. They will then assign a claims adjuster to help you in evaluating the damage to your property as well as your property loss. It is important to realize that flooding can occur at any time in New Jersey and one torrential downfall can cause the Delaware River to swell and the overburdened drainage systems in the state to overflow. If you must file a flood insurance claim, be certain to have the following ready to file the claim:
Name of the insurance company
Policy number
Telephone and/or email address where you can be reached at all times
If your home is damaged to the point that you must go to a shelter or if you cannot be easily reached, provide your agent with the contact information for a trustworthy point-of-contact such as a friend or relative who can find you. If an adjuster is not assigned to you within a few days, contact your insurance agent or company again.