Protecting Homeowners & Businesses in Cherry Hill Township, Pennsauken, Voorhees Township, Bellmawr, and Beyond
One of the treasures of the Garden State, Camden County NJ offers an excellent quality of life for residents, and is also home to many parks, family attractions, and historic sites. However, insurance carriers see Camden County differently. While not all areas of the county are in high-risk zones, those near waterways are. The county also faces a higher risk of wildfires, higher than 70% of the United States. These factors often translate into higher insurance rates, and a difficult and complex claims process when submitting a property damage claim. However, United Public Adjusters & Appraisers, the leading public adjuster in Camden County, offers these tips to ensure that in the event you have to file a claim, that our team will support you every step of the way to ensure a quick and optimal settlement.
Claims for storm and flooding damage along with fire, mold growth, and frozen pipes are all too common in Camden County, where the average claim can range from the mid-double digits to well-over $100K. This is where partnering with the UPA team can mean the difference between months of displacement and receiving a fast and equitable settlement offer.Â
High Vulnerability to Natural Disasters
Camden County’s location makes it a prime target for water, wind, and fire damages. Common claims by homes and businesses include:
- Frozen or burst copper pipes
- Mold from undetected water leaks
- Ice damming and collapsed ceilings
- Wind, flood, and storm surge damage
- Fire and smoke, especially in boardwalk areas
- Common losses incurred are primarily due to:
• Storm surge and flood damage
• Mold and water damage from delayed detection
• Business interruption losses during peak season
• Fire and smoke (from ruptured gas lines and electrical system damages)
United Public Adjusters & Appraisers (UPA) identifies not only visible damage, but also hidden and potential losses to ensure your claim covers the full scope of repair and restoration costs.
Impact on the Camden County’s NJ Insurance Market
Due to the combination of flood, wildfire, and severe weather risks, Camden County is a challenged insurance coverage zone:
- Limited insurance options: Due to an increased flood risk, some insurers have reduced or withdrawn coverage in several zones in the county.
- High windstorm & fire deductibles: Repeated claims may lead to steep deductibles or loss of coverage entirely.
- Severe weather exposure: Tornadoes, thunderstorms, hurricanes, and high winds frequently lead to major property damage claims from water and fire damages/losses.
- Premium instability: Over 70% of homes and businesses in Camden County face elevated insurance costs or reduced coverage availability.
How UPA as Your Public Adjuster in Camden County NJ Can Help
We Handle Complex Business Interruption Claims
For businesses of every size and industry, losing even a few weeks can mean significant financial loss. As your public adjuster in Camden County NJ, UPA helps by:
- Accurately calculating lost revenue, lost clientele, and related expenses.
- Securing coverage for temporary facilities and utilizing our resources to locate short- and long-term facilities as needed.
- Coordinating operational workarounds to reduce downtime.
- Negotiating advance payments, so your recovery can start immediately.
We’re Your Camden County Public Adjuster for Policy Expertise & Skilled Negotiations
Whether coverage is for a residence or business, insurance policies can be dense, technical, and filled with tricky exclusions. As your Camden County NJ Public Adjuster, United Public Adjusters & Appraisers’ experts will:
- Interpret policy language to uncover all available coverage
- Prepare and submit claims with thorough documentation
- United Public Adjusters & Appraisers (UPA) identifies not only visible damage, but also hidden and potential losses to ensure your claim covers the full scope of repair and restoration costs.
- Negotiate aggressively to counter low settlement offers
As your Camden County public adjuster, businesses that United Public Adjusters & Appraisers serves include:Â
- Manufacturing & Energy
- Food & Beverage
- Residential and Rental Properties
- Pharmaceuticals
- Logistics and Transportation
- Small local businesses including: Hotels, motels, and bed-and-breakfasts, seasonal rentals, Multi-family coastal condos and co-ops, Restaurants and barsÂ
- Educational facilities
- Historic sites, museums, and galleries
We Provide Peace of Mind & Time & Stress Reduction
Handling disaster aftermath is stressful and difficult for home and business owners, especially while trying to keep your business solvent and your family secure. As your public adjuster in Camden County NJ, UPA takes over the paperwork, communication, and negotiations so you can focus on rebuilding your lives. If your family or business requires relocation, our resources can help you locate appropriate short- and long-term housing and/or business locations. We are often told that we treat our clients like family.
Contact United Public Adjusters today to learn more about how our services will benefit your home and/or business.
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About United Public Adjusters & Appraisers, Inc.
Put the power of a nationally licensed public adjusting firm serving over 25 states to work for you. The United Public Adjusters & Appraisers’ team focuses on complex, high-value property insurance claims.
Headquartered in the TriState, our expansive roster of adjusters, estimators, engineers, and advocates is built to support large-loss commercial, multi-family, and institutional clients.
We work exclusively on behalf of policyholders. never the insurance companies. Our team will secure proper documentation, defend coverage, and recover what’s rightfully owed to you after disaster strikes.
Offices in NYC & Long Island | Serving Policyholders in Over 25 States
Call: 800-718-5677
