You should take the matter seriously. If a complaint has been filed, you should obtain representation in New Jersey in order to have the claim investigated and answered. At the same time, you should tender the matter to the insurance company which held your homeowner's insurance for the house. The period you describe is around the time when many insurance companies were deleting the polution clauses from their policies, but you could get lucky. There is not much more that can be said without knowing the details of the contract and the nature of the damage. If I can be of further help to you, call or email. /p/ See also: http://info.corbettlaw.net/lawguru.htm