Law Offices of

 Thomas E. Maloney, Jr.

 We are here to help     We are here to help     We are here to help

55 Madison Ave, Suite 120   Morristown, NJ 07960   973.538.4100




The Adjuster's Advantage

A Newsletter Devoted to the Public Adjuster


Vol.1  No.9                                                       August 31, 2011





Most of you will not have time to read a lengthy issue of

The Adjuster's Advantage because you are too busy assisting insureds who suffered losses from Hurricane Irene. In the crush of the moment, I just want to mention a few of the "little things" that might assist you.


1. Remember to get a written retainer signed by the responsible parties. 


2. Remember that a hurricane does not suspend a mortgage or a foreclosure proceeding. The bank holding the mortgage may be the real party in interest and you will need to communicate with them regarding the building claim.


3. Difficult as it may be, get a copy of the policy. If not from your insured, then from the agent/broker.


4. Remember to read the policy and seek out any "hurricane deductible" provision. If you find it, read it carefully.


5. Remember that the insurance company cannot change the policy without informing the insured. If coverage has been restricted in the event of a hurricane, was the insured given notice of the reduction in coverage? No notice = no reduction.


6. Remember that the National Flood Insurance Program takes no prisoners! Watch the deadlines, the filing requirements, the forms.


7. Document your file with the weather information. Months from now, the insurer will likely challenge the insured's report of the wind speed at the loss location. 


8. Get and retain local reports of storm and flooding conditions - newspaper, Patch, local news, internet - for the areas you service.


9. Take lots of photos! You can never have too many. Include the neighborhood, too. And tell your insureds to hang on to their old photos which may help to identify the pre-loss existence and condition of their real and personal property.


10. Be sure the "stormtrooper" from the insurance company is aware of local pricing. Replacement costs in NY/NJ are higher than in Arkansas and they will increase as demand increases!


Most importantly, please feel free to call me if you encounter any problems - telephone 973-538-4100; email:

We are here to help!

Tom Maloney

Tom Maloney


Representing the Insured in:

  • Coverage Disputes
  • Claims
  • Investigations
  • Examinations Under Oath
  • Suits
  • Trials
  • Appeals

Statewide coverage

Associate Member New Jersey Public Adjusters Association


AV rated Attorney Martindale-Hubbell


Admitted: All State and Federal Courts in New Jersey; Third Circuit Court of Appeals; U.S. Supreme Court


Certified by the Supreme Court Of New Jersey as a Civil Trial Attorney - 1982


Qualified Mediator by the New Jersey Supreme Court


Pro Hac Vice Admissions:NY, NH, MD, USDC-SDNY,

Second Circuit Court of Appeals


Georgetown University Columbia Law School


DISCLAIMER: This newsletter contains the personal opinions of the writer and is not intended to and does not provide legal advice in any way, shape or form; does not create an attorney-client relationship between the writer and the recipient or any other person; and is offered without charge for informational purposes only. You should consult with an attorney of your own choosing in any matter in which you seek legal advice.