Homeowners/Renters - Insurance, Financial and Mortgage Assistance

How to File a Formal Complaint Regarding an Insurance Claim

Sandy-affected homeowners can seek insurance assistance or file a formal complaint through the Department of Banking and Insurance.
Read More

Working with Insurance Lenders

Sandy-affected homeowners who have received insurance claim checks issued jointly to them and their mortgage companies can find information to help them work with their lenders and quickly gain access to the money to restore their homes and property.
http://www.state.nj.us/dobi/pressreleases/pr130103.html
Read More

Mediation Process to Settle Insurance Disputes

The Department of Banking and Insurance has established a voluntary mediation program that gives Sandy-affected consumers the option to submit claims to a mediator who will review the case and assist in settlement discussions. The link below provides additional information for consumers who wish to settle disputed cases without resorting to costly and time consuming lawsuits.
Read More

Managing the Insurance Claims Settlement Process

Information for Sandy-affected residents to assist in managing the insurance claims settlement process.
Read More

Temporary Mortgage Relief Options for Sandy Survivors

If you are a homeowner affected by Superstorm Sandy, there are several temporary mortgage relief options available through the federal government and mortgage services.
Read More

Working Families Living Expenses Voucher Program

The State has created the Working Families Living Expenses Voucher Program Program (also known as SHRAP) to provide housing stability for individuals and families still recovering financially from Superstorm Sandy by helping to offset living expenses. The funding will be distributed through county Boards of Social Services as well as other designated agencies in the form of direct payments to billing agencies or vouchers to select vendors to pay past or currently due rent or mortgage payments, as well as to obtain certain essential items, such as furniture and appliances. Families and individuals interested in applying for The Working Families Living Expenses Voucher Program can go to http://www.nj211.org or call 211 to find out where to apply within each county.
Read More

Increased Cost of Compliance Coverage (ICC) Claims

Affected residents whose homes and businesses were damaged by flooding during Sandy, and who may be required to meet certain building requirements before repair or rebuilding, may be able to file a claim for Increased Cost of Compliance (ICC) coverage through the National Flood Insurance Program (NFIP).
Read More

National Flood Insurance Program FAQs

National Flood Insurance Program FAQs
The Christie Administration has provided a list of Frequently Asked Questions regarding the National Insurance Flood Program (NFIP) to better guide homeowners and renters through the process of settling their flood insurance claims.