I did some research, apparently cold-water reefs grow deeper (50meters to 500meters) while warm reef grows from 0-100meters. This whole thread was interesting and I really thought that there was no such thing as cold water coral. Thanks 'yall...
But I've still never seen it in Jersey
actually NJ does have reefer breaks...which means you stop whatever you were doing, take a few minutes to puff the magic dragon. not quite the same thing, but i'm told it does help with the flat spells.
If rocks on the bottom where the water sucks up from the ledge and the wave jacks up and peels down the line constitutes a reef, I surfed alone over one this morning somewhere in central NJ!