Through United Policyholders' Roadmap to Recovery program, we are distributing tools and tips and providing a voice for people whose property has been damaged or destroyed by Superstorm Sandy and need help navigating the insurance challenges that lie ahead.  

These challenges can include confusion over deductibles, repair methods and costs, rotating/inexperienced adjusters, scams, flood, water and mold damage exclusions/caps and the "anti-concurrent causation" clause that has deprived hundreds of thousands of consumers of insurance benefits they reasonably expected would protect them after a disaster.

Upcoming Workshops:

Here is a partial list of claim tips and resources United Policyholders is offering those affected by Superstorm Sandy:

Key Insurance Claim Tips:

• Focus on completely inventorying and valuing all damage and costs to repair or replace your property, regardless of your insurance situation. 

• Keep a diary of conversations with insurance, repair, government and other professionals. 

• Flood policies have different rules than home policies. 

• If you did not have flood insurance, there may still be Sandy damage that should be covered under your home policy, depending on how it is written.  Examples could be wind-driven rain, sewage backup due to electrical failure of a pump or other device, other damage due to power outages or surges. 

• Give your home and/or flood insurer a chance to do the right thing, but advocate for yourself and get help from the NJ DOI and/or experienced professionals if you feel you’re not being treated fairly.

• If a home or flood insurance adjuster says damage isn’t covered, but you feel it should be, get an independent professional opinion before giving up on getting some or all of your claim paid.

Insurance Recovery Information, Tools and Resources

• Superstorm Sandy: First Steps and UP Resources
• Top Ten Insurance Claim Tips
• Flood Insurance Claim Tips
• After a hurricane - Insurance claim tips and useful information
• Roadmap to Recovery Tools Request Form - "Road tested" tools to help document your loss
• Contents Claim Tips - For Recovering the Costs of Repairing and Replacing Damaged/Destroyed Household Items
• Insurance Recovery Tips for the Dwelling Part of Your Claim- How to collect the full amount your insurer owes you for what it would reasonably cost to repair/rebuild
• The Scoop on Scope (of Loss)
• Speak UP: How to communicate with your insurance company
• Mold Damage Guide - Information about resources about mold damage
• Sample Claim and Proof of Loss Form

Past Events: Roadmap to Recovery Workshop Bay Head, New Jersey View Handouts Here Saturday April 13th at 10 am St. Pauls Methodist Church in Bay Head 23 W Lake Ave, Bay Head, NJ 08742 Co-presenter: Rutgers Law School Professor Jay Feinman
Hope for New Jersey Sayreville, New Jersey March 9, 2013 @10am-4pm Faith Fellowship World Outreach Center 2707 Main Street, Sayreville NJ United Policyholders will be providing insurance claim help information, recovery tools and resources to Superstorm Sandy survivors.

Additional Resources

• New York Hurricane Sandy Disaster Recovery Resources
• National Flood Insurance Program - Summary of Coverage - This document was prepared by the NFIP to help you understand your flood insurance policy
• State by State Assistance - Find specific information for your state
• Claim Help Library - Search for tips and information on insurance claims, legal matters and the rebuilding/repair proces
• Hiring Professional Help - Read our before you sign on the dotted line

Water Damage Library archive  This Library was originally created after Hurricane Katrina in 2005 as a resource for property and business owners, policyholder advocates, elected officials and the media. It is designed to explain and help solve insurance claim problems faced by home and business owners after large scale catastrophes. The Library contains tips, articles, bulletins, forms, reports, statistics, links and a wealth of information.

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