The mission of NJIUA is to provide essential property insurance to applicants who cannot secure coverage in the voluntary market. As the market of last resort, we will not seek customers, and will not encourage producers to place business with us. For consumers who must use the residual market, we will be easy to do business with, and readily accessible. We will provide accurate information and timely response. We will settle legitimate claims promptly and fairly, while resisting fraudulent activities.
location, or environmental hazards beyond the control of the property
owner or applicant will not be considered in determining insurability.
However, property with characteristics of ownership, condition,
occupancy, or maintenance that violate public policy, or are otherwise
not contributing to community development, may be deemed uninsurable,
until such conditions are corrected.