NJM does not surcharge per reported incident or claim on a Homeowners policy. The policy is reviewed annually at the end of the policy year by the underwriting department.

Report the information and an adjuster will review your policy for coverage and advise you.

To do emergency repairs only! This is only to secure the home against further damage. While repairmen are there, have them prepare a detailed report of what caused the problem and retain itemized bill.

Any repairs, which are started prior to the adjuster inspecting the damage, should be limited to emergency repairs, only to prevent additional damage.

If your home is not livable or you have been evacuated by a civil authority, you may be entitled to additional living expense reimbursement if it is as a result of a covered peril.

Yes, depending upon the cause of the breakage in the pipe, the pipe may be covered. Make emergency repairs only, do not do cosmetic repairs.

Yes, this will protect against further damage. A claims representative will review your policy and advise you regarding coverage.

Yes, reasonable and necessary emergency repairs to protect the property should be completed. Keep an accurate record of the expenses to support the claim.

If the shingles are in the yard, you can save them. Also, take pictures of the damaged areas and shingles.

A claims representative will review your policy for coverage, inspect the roof and advise you.

No. Make a list of food and save labels of unusual merchandise.

Have appliances evaluated for causation and repairability. Save receipt that identifies cause, if the appliance is repairable or if it requires replacement.