A frozen copper pipe that burst, a common New Jersey winter claim

INSURANCE COMPANY CLAIMS

NJM Insurance Claim Help

Q: How long does NJM have to pay my claim?

Under N.J.A.C. 11:2-17.7 , a first-party claim is paid within 30 calendar days of receiving properly executed proofs of loss; if the insurer needs more time, it must explain why in writing and update you every 45 days.

New Jersey homeowners claims. Call Homeland before you call NJM.

Short answer: NJM (New Jersey Manufacturers) is the second-largest homeowners insurance group in New Jersey, with 12.81% of homeowners policies in force at December 31, 2025, close behind State Farm.

Last reviewed: October 2026

Before you call NJM, call Homeland. The first report of a loss frames the whole claim. We review your policy, document the damage and give NJM written notice of the claim for you. Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Free Claim Review Florida (305) 783-3777 New Jersey (732) 517-3777

NJM in New Jersey

NJM held 12.81% of New Jersey homeowners policies in force at December 31, 2025, #2 in the state, according to the New Jersey Department of Banking and Insurance’s Homeowners Market Survey.

Before you call NJM

Call us first. We read your policy, then report the claim to NJM in writing, with the facts and photos that support it.

Before anything is thrown out, photograph and video every room, the roof and the outside, and keep damaged items. Make only the repairs needed to stop more damage, and keep every receipt.

Talk to us before you give a statement or sign anything, whether it comes from the insurance company or a contractor.

We get the full policy, not just the declarations page, because the endorsements and exclusions decide the claim.

Your deadlines and NJM’s, in New Jersey

The insurer begins investigating within 10 working days of receiving notice of the claim (N.J.A.C. 11:2-17.7(a)).

It pays a first-party claim within 30 calendar days of receiving properly executed proofs of loss; if it needs more time, it must tell you in writing why, and update you every 45 days (N.J.A.C. 11:2-17.7(c) and (e)).

Your policy sets the deadline to give notice of the loss and to sue, so call us promptly; we read the conditions section and give notice in time.

Where NJM claims most often need help

New Jersey homeowners claims are often winter and water losses: frozen and burst pipes, ice dams, and roof damage from snow load. See ice dams, frozen pipes and snow load.

How Homeland helps with your NJM claim

We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with NJM’s adjusters from start to finish, in English or Spanish. If NJM has already paid or denied, upload the letter or estimate to Claim Review for a free first read.

Call 24/7: Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Frequently asked questions

Should I call NJM first?

Call us first. We review your policy and the damage, then give NJM written notice of the claim, so the claim starts with the facts that support it.

How long does NJM have to pay my claim?

Under N.J.A.C. 11:2-17.7, a first-party claim is paid within 30 calendar days of receiving properly executed proofs of loss; if the insurer needs more time, it must explain why in writing and update you every 45 days.

Is Homeland licensed in New Jersey?

Yes. Homeland Public Adjusters holds a New Jersey public adjuster firm license, number 3003982360.

Sources: N.J.A.C. 11:2-17.7; NJ DOBI Homeowners Market Survey, 12/31/2025.

Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.

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Claims We Handle

Hurricane & Wind Damage→Flood Damage→Fire Damage→Water Damage→Winter Storm & Roof Damage→Theft & Vandalism Damage→Vehicle Impact Damage→Business & Commercial→Other Claims→Denied & Underpaid→

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NJM Claims We Handle

We represent property owners on NJM claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.

Hurricane & Wind Damage Claims Winter Storm & Roof Damage Claims Water Damage Claims Lightning, Trees & Other Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Call Homeland Before You Call the Insurer

Upload photos of the damage, your policy, or a letter or estimate you already received. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.