Regulation · New Jersey

Standard Hurricane Deductibles and Expedited Process)

N.J.A.C. Title 11, Chapter 2 (Insurance Group), Subchapters 17 (Unfair Claims Settlement Practices) and 42 (Homeowners Insurance

Publisher: Cornell Legal Information Institute
Edition: Cornell Legal Information Institute
Last checked: 2026-09-29
Status: New Jersey administrative rules are public law

Edition and licensing notes

Publisher. Cornell Legal Information Institute (law.cornell.edu), publication of the New Jersey Administrative Code (N.J.A.C.)

Edition. Cornell Legal Information Institute (law.cornell.edu) publication of the New Jersey Administrative Code (N.J.A.C.), retrieved 2026-09-29; NOT the state's own portal. LII states state regulations are updated periodically; no adoption-date currency line is printed on the section pages (each section's adoption history is in LII's Notes, not stored here).

Status. New Jersey administrative rules are public law; text as republished by Cornell LII (law.cornell.edu); the LII page format and terms of use were not fetched or r

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What this document is

N.J.A.C. Title 11, Chapter 2 (Insurance Group), Subchapters 17 (Unfair Claims Settlement Practices) and 42 (Homeowners Insurance: Standard Hurricane Deductibles and Expedited Process) is a regulation published by Cornell Legal Information Institute (law.cornell.edu), publication of the New Jersey Administrative Code (N.J.A.C.). It is one of the New Jersey documents that insurance license exam questions are written from, including new jersey property & casualty, new jersey personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

N.J.A.C. 11:2-42.7(b) (Hurricane deductibles; standard policy language)
“For purposes of this subsection, "substantially similar" means the applicable hurricane deductible language shall be the same in effect and application as the provision in Exhibit D, although the exact wording may be different.”
N.J.A.C. 11:2-17.8(a) (Rules for fair and equitable settlements and reasonable explanations applicable to all insurance)
“No insurer shall deny or offer to compromise a claim because of a policy provision, including any concerning liability, a condition, or an exclusion without providing a specific reference to such language and a statement of the facts which make that language operative.”
N.J.A.C. 11:2-17.7(c)2 (Rules for prompt investigation and settlement of claims)
“For all third party property damage claims, 45 calendar days from receipt by the insurer of notification of claim.”
N.J.A.C. 11:2-42.9(a) (Application of hurricane deductibles)
“Insurers and the FAIR Plan may file to use mandatory hurricane deductibles of up to five percent and optional hurricane deductibles up to 10 percent.”
N.J.A.C. 11:2-17.7(c) (Rules for prompt investigation and settlement of claims)
“(c) Unless a clear justification exists, or unless otherwise provided by law, the maximum payment periods for property/liability claims shall be as follows: 1. For all first party claims other than personal injury protection (PIP) and auto physical damage (see N.J.A.C. 11:3-10.5(a) ), 30 calendar...”
N.J.A.C. 11:2-42.9(b) (Application of hurricane deductibles)
“Hurricane deductibles may be used in areas designated by the ZIP codes set forth in Exhibit E in the Appendix to the subchapter, incorporated herein by reference. In addition, subject to approval by the Department, insurers and the FAIR Plan may file to use hurricane deductibles as set forth in (a)...”
N.J.A.C. 11:2-17.10(a)6 (Rules for fair and equitable settlements applicable to property and liability insurance)
“Unless the insurer is exercising a right under the policy to repair damaged property, it shall not require as a condition to payment of claims that repairs be made by a particular contractor or repair shop.”
N.J.A.C. 11:2-17.8(e) (Rules for fair and equitable settlements and reasonable explanations applicable to all insurance)
“If a claimant is actively negotiating with an insurer for settlement of a claim, and the claimant's rights may be affected by a statute of limitations or a policy time limit, the insurer shall provide the claimant with written notice that the time limit may be expiring and may affect the claimant's...”

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Questions about this source

N.J.A.C. Title 11, Chapter 2 (Insurance Group), Subchapters 17 (Unfair Claims Settlement Practices) and 42 (Homeowners Insurance: Standard Hurricane Deductibles and Expedited Process) is a regulation published by Cornell Legal Information Institute (law.cornell.edu), publication of the New Jersey Administrative Code (N.J.A.C.). Edition: Cornell Legal Information Institute (law.cornell.edu) publication of the New Jersey Administrative Code (N.J.A.C.), retrieved 2026-09-29; NOT the state's own portal. LII states state regulations are updated periodically; no adoption-date currency line is printed on the section pages (each section's adoption history is in LII's Notes, not stored here)..

No. This page summarizes the document and links to the official version. Always rely on the text published by Cornell Legal Information Institute (law.cornell.edu), publication of the New Jersey Administrative Code (N.J.A.C.) for the current law.

Practice questions for New Jersey Property & Casualty, New Jersey Personal Lines cite this document.

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