How to Choose the Best Public Adjuster on Long Island?

What to look for in a Long Island public adjuster: NY license verification, fees, local experience, and the questions to ask before signing. Call 516-410-0164.

How do I know if a public adjuster is licensed in New York?

Ask for the license number and check it on the New York State Department of Financial Services license lookup. Kevin Godfrey of Long Island Public Adjusters holds New York public adjuster license PA-1156995. Anyone who cannot give you a number on the spot should not be handling your claim.

What does the best public adjuster on Long Island actually do differently?

The difference is scope and documentation. A strong adjuster inspects the property in person, writes a line-item estimate that matches local Long Island repair costs, pursues code upgrade coverage, Additional Living Expense, and contents, and then negotiates the difference in writing rather than accepting the carrier's first number.

How much does a public adjuster charge on Long Island?

We average between 6% and 12% of the settlement on a sliding scale — the larger the claim, the lower the percentage. On a recent $800,000 total house fire the fee was 6%. New York caps public adjuster fees at 12.5%. If someone quotes above that, walk away.

Should I hire someone local or a national firm?

Local matters on Long Island. Nassau and Suffolk repair pricing, coastal wind and flood deductibles, village code requirements, and the local carrier adjusters are all specific to this market. A local adjuster can also be at your property the same week rather than sending a contractor from out of state.

What questions should I ask before signing a contract?

Ask for the license number, the exact fee percentage and when it is earned, who will personally inspect and negotiate your claim, how often you will get updates, examples of similar losses handled, and whether the contract can be cancelled. New York gives you a right to cancel within a set period after signing.

Are online reviews a reliable way to pick an adjuster?

Reviews help, but verify the license and ask for specifics about claims like yours. Review profiles can be created, hijacked, or removed through no fault of the business, so treat licensing, experience, and documented results as the primary evidence.

Choosing an Adjuster

How Do You Choose the Best Public Adjuster on Long Island?

The best public adjuster on Long Island is licensed in New York, works your claim personally, prices repairs at real Nassau and Suffolk County costs, and puts the fee in writing. Verify the license number with the NY Department of Financial Services, ask who will actually inspect and negotiate your loss, confirm the fee percentage (New York caps it at 12.5%), and ask for examples of similar claims. Long Island Public Adjusters is led by Kevin Godfrey, license PA-1156995, with 22+ years in the insurance industry. Call 516-410-0164 for a free claim review.

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Seven Things to Check Before You Sign

A New York public adjuster license. Get the number and verify it yourself on the DFS license lookup. Contractors and attorneys are not public adjusters.
Who does the work. Ask whether the person in your living room will write the estimate and negotiate, or hand you off to a call center.
Carrier-side experience. Time spent adjusting catastrophe and large-loss claims for insurers shows what the other side needs to approve a payment.
A written fee. Our average is 6-12% on a sliding scale; see how fees work. New York's cap is 12.5%.
Local pricing knowledge. Long Island labor, coastal wind and flood deductibles, and village code requirements all change the number.
Documented results. Ask for real examples of losses like yours — see settlement results.
Communication. You should know who to call and how often you will hear about the claim's status.

Red Flags

No license number, or a number that will not verify with DFS

A fee above New York's 12.5% cap

Pressure to sign in the driveway before any inspection

A contractor bundling repairs with claim handling

Promises of a specific dollar settlement before reading the policy

No written contract or no cancellation terms

Why Long Island Property Owners Hire Us

NY licensed public adjuster PA-1156995

22+ years in the insurance industry

Carrier-side catastrophe and large-loss background

Sliding-scale fee, 6-12% average

Nassau and Suffolk County coverage

Free, no-obligation claim review

Interviewing Adjusters?

Ask us the same questions you would ask anyone else. No pressure, no cost.

Call 516-410-0164

Choosing a Public Adjuster: Common Questions

Licensing, fees, and what to ask before you sign anything.

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