GB Claims is a licensed public adjusting firm serving all of New Jersey from our home base in Suffern, New York – minutes from the Bergen County line. We represent homeowners, landlords, and business owners against their own insurance companies after fire, water, storm, flood, and theft losses, from Bergen and Passaic to Ocean County, Lakewood, and the shore. We work only for the policyholder, never the insurance company, and we take no kickbacks from contractors or mitigation companies.
One thing before anything else: call us before you file the claim. You can call us after too – but it makes a real difference whether we file it for you or it goes in without us. Filing it the wrong way is a common mistake that costs real money. Get us in first and it gets filed correctly.
What a New Jersey public adjuster does for you
Your policy is a contract, and proving what you are owed under it is your burden, not the insurer’s. The company sends its own adjuster to protect its side. A public adjuster is the licensed professional on yours: we inspect and document the damage, prepare the estimate, handle the paperwork and the carrier’s questions, and negotiate the settlement. Most policyholders find a claim takes over their lives for months. We take it over instead.
Claims we handle across New Jersey
- Burst pipes and water damage – freeze breaks, supply lines, hidden leaks behind walls
- House fire and smoke damage – structure, contents, and additional living expenses
- Storm, wind, and roof damage – nor’easters, hurricanes, and coastal wind
- Flood damage – including NFIP and private flood policies, shore and inland
- Theft and vandalism – including claims the carrier questions or slow-walks
- Commercial property claims – buildings, inventory, and business interruption
- Denied and underpaid claims – we reopen, supplement, and fight for what the policy owes
Where we work in New Jersey
We are minutes from the state line and handle claims throughout Bergen County (including Teaneck and Englewood) and Passaic County (including Wayne) and Sussex County (Newton, Sparta, Vernon), and we regularly travel to Lakewood, Toms River, Jackson, and the rest of Ocean County and down the shore. Distance is not an issue – we travel to the loss, and much of the claim work happens by phone and email.
Frequently asked questions
How much does a public adjuster cost in New Jersey?
GB Claims charges no upfront fee. We are paid a percentage of the settlement we recover for you, so if there is no recovery, there is no fee. The initial claim review is free – you will know quickly whether the claim is worth pursuing.
Should I call a public adjuster before I file my claim?
Yes – that is the single best time to call. How the claim is first presented shapes everything after it. We file it correctly from day one, document the damage the right way, and keep the carrier from framing the loss in a way that shrinks your settlement.
Can you help if my New Jersey claim was already denied or underpaid?
Often, yes. We review the denial or the low offer, re-document the loss, and pursue supplements, the policy’s appraisal clause, or other remedies. A denial is frequently the start of the negotiation, not the end.