When confronted with damages and losses, it’s important to follow some “dos and don’ts” if you hope to take full advantage of your insurance coverage.

Fly-by-night contractors and scam artists follow in the wake of disasters to prey on vulnerable victims. If you feel you are a victim of fraud, contact reportfraud.ftc.gov.

New Jersey is considered a "gross income tax" state, meaning individuals are taxed on gross income with no itemized deductions allowed. Although losses cannot be deducted on New Jersey tax returns, they may be deductible for federal tax purposes.