Dealing with Damage to Your Home in NJ and PA

If you have experienced damage to your house, please report your claim to Plymouth Rock as soon as possible.

Your policy requires that you complete any necessary and reasonable repairs to prevent further damage to your home. However, repairs made beyond that, before your insurance company is given the opportunity inspect the damage, could complicate the claims process and potentially jeopardize coverage for your claim.

Follow these important tips to protect yourself and prevent further damage:

Arrange Reasonable Temporary Repairs

  • If your roof is damaged, use a tarp to prevent interior water damage.
  • If you have a plumbing loss and the water is still running, you will need to have the water shut off as soon as possible. If a plumber is needed to have the water shut off, you will need to make arrangements for a plumber to come out.
  • If you have broken windows, have them boarded up.
  • If needed, have water extracted.
  • If you have a tree on your home, use your good judgment to make arrangements to remove the tree.

Emergency vendors are available through Plymouth Rock if needed. Be sure to save all receipts for work you have done. Your claims adjuster will confirm coverage.

Separate Damaged and Undamaged Property

  • If possible, place damaged items in a secure area where they can be inspected.
  • Move undamaged items to safe place where they will not likely be damaged.

Keep Accurate Records

  • Again, it is important to save all receipts and invoices from emergency or temporary repairs.
  • Attempt to locate purchase receipts of the damaged property. Take plenty of photos of all damaged items. Attempt to locate photos of the same items prior to the loss if possible in order to compare.
  • Make a written list of what was damaged. Capture as much information as possible, including brand names, model and serial numbers, and place of purchase.
  • Group damaged items by location of the house (kitchen items, bedroom items, etc.)
  • If you have a theft loss, report theft to the police department. Include a list of the stolen items on the report.

After you have reported your claim and followed these steps, read about what to expect as we work to resolve your claim as quickly as possible.

If you need any additional information about what to do if there is damage to your home, please Contact Us .