Articles & guides
Practical writing on property insurance claims — policy interpretation, documentation, negotiation tactics, and the patterns we see on NJ claims most often.
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Bergen County Public Adjusters
Apr 25, 2026
Hurricane and Storm Claims — Wind Versus Flood Determines Everything
After a major storm, the framing of how water entered the building determines whether your loss is covered or denied.
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Bergen County Public Adjusters
Apr 25, 2026
Your Insurance Claim Was Denied — Here's How to Appeal
Most denials cite a specific stated reason that can be addressed with proper documentation. Many denials reverse on appeal.
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Bergen County Public Adjusters
Apr 25, 2026
Business Interruption Math — How Your BI Claim Should Actually Be Calculated
The BI formula looks simple. The implementation involves several inputs where carriers and policyholders disagree.
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