NJM is the worst insurance company I know. They are the cheapest, no doubt about that, but they are not doing what they should, as a insurance company, to protect you against your loss. I have a couple auto claims and 1 pending home ins claim with them. For auto claims, they dealed with things professionaly, as long as they were not paying a peny. They evaluate your damage, and deduct every single scratch on your car as "prior damage", and make your car worthless. For the pending home ins claim, the case was pending for 2.5 months, and I haven't received the payment yet. Fortunately i have some savings, so I don't have to live under a damaged roof. I called them every week, I can't believe that the adjustor doesn't even answer or return my calls! I wiil surely use another company after this and am willing to pay more.
Franklin Park, NJ