For information on the claims process for New Jersey residents and answers to your questions, please click here for FREQUENTLY ASKED QUESTIONS (FAQs). We suggest you print a copy of the FAQs for future reference.

Reimbursement and Insurance Options

We are committed to evaluating all claims presented in a responsive and fair manner. It is our goal to investigate and render a decision on your claim within 45-60 business days from the date the completed claim form and proofs of loss are received by the Corporate Claims Department. More complex claims may take longer but you will be advised accordingly.

If we are responsible, we will pay for the reasonable cost to repair the items we damaged.  If you have replaced items, we will pay you the Actual Cash Value (ACV) of the original item, which is determined by today’s replacement cost minus depreciation.

As another option, you may choose to file a claim with your insurance company to reimburse you for your loss, less your deductible. Your insurer may then choose to present a claim to us to recover compensation paid to you. Your insurer may be able to reimburse you for your losses without investigation and may, in some cases, pay full Replacement Cost Value (RCV) for damaged items, less your deductible. Please note, if you decide to go through your own insurance carrier and are reimbursed by your carrier, you cannot seek reimbursement from PSEG.

Limitations of Liability

PSEG, like all other utilities, cannot guarantee continuity of service. This is outlined in our Tariffs for Electric and Gas Service, Section 13.1, These Tariffs are filed with and approved by the State of New Jersey. Therefore, PSEG will not be liable for damages caused by certain occurrences that are beyond our control.

Some common causes of claims for which PSEG does not pay are:

• Acts of God like weather-related conditions (ice, wind, lightning) and animal contacts (squirrels & birds)
• Equipment failure
• Damage to PSEG equipment by others
• Accidents

How to file a Claim

If your damages or losses have occurred as a result of other reasons, you must complete a claim form and return it along with your proofs of loss (i.e. photos, invoices, repair bills, estimates).

There are several ways to file a claim;

1. The quickest way to file a claim is by using our online form.
2. Or you may also download a claim form below.

• Claim Form (NJ customers)

The completed claim form and proofs of loss can be emailed back to the company to claimsdepartment@pseg.com.

Or you can mail the completed claim form to:

PSEG Corporate Claims Department
80 Park Plaza, M401
Newark, NJ 07102

Please note that any person, who knowingly and with intent to defraud any insurance company or other persons, files a statement of claim containing any materially false information, is committing a fraudulent insurance act, which is a crime, subject to criminal prosecution and civil penalties.

Completing the claim form is not a guarantee of payment. Upon our receipt of the completed claim form and proofs of loss, your claim will be assigned to a Claims Professional, who will investigate your claim and determine if there is any liability on the part of PSEG. When the investigation is completed, you will be contacted and advised as to our position on your claim.

For questions or to follow-up, please email or call us at 1-973-912-3843.

For additional information on what to do during a power outage, please visit our Outage Information page.