CLAIM SERVICES

Property Insurance Claim Services in Long Island, NY

Long Island Public Adjusters helps Nassau and Suffolk County property owners manage insurance claims from inspection through settlement. We handle fire and smoke, water damage, storm and hurricane, flood, frozen pipes, mold, sewer backup, and rental/commercial losses—plus denied and underpaid claim disputes. Call 516-410-0164 for a free claim review.

Fire & Smoke Damage Claims

Complete fire and smoke damage claim handling. We document all structural damage, smoke infiltration, and personal property losses.

Water Damage Claims

Burst pipes, roof leaks, appliance failures, and water intrusion. We ensure all visible and hidden damage is documented.

Storm & Hurricane Claims

Wind damage, fallen trees, and hurricane destruction. We handle claims for Long Island's unpredictable weather events.

Flood Damage Claims

Flood damage from storms, rising water, and drainage issues. Expert handling of flood insurance claims.

Frozen & Burst Pipe Claims

Winter pipe bursts and ice dam damage. We know Long Island winters and the damage they cause.

Mold Damage Claims

Mold remediation claims resulting from water damage. We document the source and extent of mold growth.

Denied Claim Review & Appeal

Had your claim denied? We review the denial, gather additional evidence, and fight for reconsideration.

Underpaid Claim Supplemental

Insurance company lowballing you? We document additional damages and negotiate for full compensation.

Smoke Damage & Puffback Claims

Furnace puffbacks, soot damage, and smoke contamination. We document hidden damage and ensure proper restoration coverage.

Landlord & Rental Property Claims

Investment property damage claims including loss of rental income and tenant-related damages.

Commercial Property Claims

Business property damage claims including business interruption and loss of income coverage.

Sewer Backup & Sump Pump Failure

Sewer line backups and sump pump failures. Complex claims that require expert documentation.

Condo, Co-op & HOA Claims

Association and unit owner claims where the master policy and HO-6 coverage overlap, including loss assessment.

Vandalism & Theft Claims

Burglary, break-in damage, graffiti, and stolen contents documented item by item for full replacement cost.

Large Loss & Total Loss Claims

Total fires and major commercial losses: replacement cost, code upgrades, contents, ALE and business interruption.

Serving Nassau & Suffolk County (all of Long Island). See our full coverage map →

How It Works

Our Claim Process

We handle everything from start to finish, keeping you informed at every step.

01

Free Consultation

We review your situation and explain how we can help.

02

Damage Assessment

Thorough inspection and documentation of all damages.

03

Claim Preparation

Complete claim package with estimates and evidence.

04

Negotiation & Settlement

We negotiate with the insurance company for maximum settlement.

No upfront fees • We only get paid when you get paid

Quick answers

Key Facts for Long Island Homeowners

Do you use thermal imaging?: Yes — on every water and fire job, to find hidden moisture the insurer's adjuster may miss.
What is the maximum fee a public adjuster can charge in New York?: 12.5% of the claim settlement under New York State law. Long Island Public Adjusters charges 6–12% on a sliding scale, with no upfront cost.
Is Long Island Public Adjusters licensed?: Yes. New York State Public Adjuster License PA-1156995, with 22+ years of claims experience.
Who does a public adjuster work for?: Only the policyholder. The insurance company's adjuster works for the insurer.
What areas do you serve?: All of Nassau County and Suffolk County, plus the five New York City boroughs.

See how our fees work →

Our methods

How We Inspect Your Damage

The insurer's estimate is only as good as its inspection. Ours is built to find what theirs leaves out.

1. Thermal imaging
On every water and fire job we scan walls, ceilings and floors with a thermal camera to find hidden moisture you can't see.
2. Moisture readings
We confirm what the camera shows with moisture meter readings and record them, so wet areas are documented, not guessed.
3. Photo documentation
Every damaged area is photographed and labeled room by room, so the insurer can't say an item wasn't damaged.
4. Line-by-line Xactimate estimate
We write our own estimate in Xactimate — the same software insurers use — priced at real Long Island rates.
5. Side-by-side comparison
We compare our estimate to the insurer's line by line and show every missing item and low price, then negotiate the difference.

Frequently Asked Questions about Insurance Claims

Get answers to common questions about the insurance claims process.

Need Help With Your Claim?

Get a free consultation with one of our licensed public adjusters. We'll review your situation and explain your options.

Schedule Free Consultation

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