Sandy UPdate: 

The deadline for filing National Flood Insurance Claims related to the Superstorm Sandy extended to October 29th 2014. Click here to read the FEMA bulletin.

For more information, Insurance-Related Sandy Deadlines Alert

If your home or business were damaged or destroyed in Superstorm Sandy, you can access information and tools through United Policyholders' Roadmap to Recovery® program for overcoming challenges with property, flood and auto insurance claims and reaching a fair settlement.  

Common challenges include disputes over deductibles, depreciation, repair methods and costs, rotating/inexperienced adjusters, scams, flood policy limits, 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.

Scroll down for key tips and a menu of resources.  With support from the Hurricane Sandy New Jersey Relief fund, we are hosting educational workshops and webinars and providing services in partnership with local officials and other recovery aid groups.


Superstorm Sandy Claim Help Library

This library is for property and business owners, policyholder advocates, elected officials and the media. The Library contains tips, articles, bulletins, forms, reports, statistics, links and a wealth of information.

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

Past Events:


WHEN: Wednesday, March 26th at 12:30pm ET

WHY:  Residents impacted by Sandy whose homes were insured by the National Flood Insurance Program (NFIP) are facing a late April 2014 deadline to submit all proof of loss documents and comply with NFIP claim requirements.  Home owners who have not appealed or filed additional forms and proof of damages by this deadline will lose the right to challenge their NFIP settlement.  The webinar will provide guidance on preparing necessary documents and completing forms.


Additional information on the upcoming deadline:


Roadmap to Recovery Workshop
Tuesday, September 24th, 6pm-7pm
Middletown Elks Lodge
251 Church Street
Belford, NJ

Topics: Flood and Homeowners Insurance 
Tips, Resolving disputes over damage and 
cost of repairs/rebuilding, "Proof of Loss"
deadlines and protecting your rights at the 
one year anniversary

Click Here for more information



Roadmap to Recovery Program
Sayreville, New Jersey

Tuesday, June 25th @6pm 
Sayreville Senior's Center
425 Main St., Sayreville 


Roadmap to Recovery Program
Bay Head, New Jersey

Monday, June 24th @6:30pm
Sacred Heart Church, Monsignor Casey Hall
751 Main Ave., Bay Head


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


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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