Denied Insurance Claim Review & Appeal
If your insurance claim was denied (or partially denied), Long Island Public Adjusters can review the denial letter, identify what's missing, and build a stronger claim package for reconsideration. We help property owners across Nassau and Suffolk County document damages, respond to denial reasons, and negotiate for a fair outcome. Call 516-410-0164 for a free claim review.
Why Insurance Claims Get Denied
Insurance companies deny claims for many reasons — some legitimate, many not. Common denial reasons include alleged policy exclusions, disputes about the cause of damage, claims of pre-existing conditions, or simply insufficient documentation.
Unfortunately, many denials are based on technicalities or misinterpretations of your policy. Insurance adjusters may not thoroughly investigate your claim or may apply exclusions that don't actually apply to your situation.
As your public adjuster, we thoroughly review your denial letter, policy language, and the circumstances of your claim. We often find grounds for appeal that homeowners wouldn't recognize on their own.
Common Reasons for Claim Denials
Our Denied Claim Appeal Process
We start by carefully reviewing your denial letter and policy to understand exactly why your claim was rejected. Then we conduct our own independent investigation to gather evidence that supports your claim.
Our team prepares a comprehensive appeal package that addresses each reason for denial, includes additional documentation, expert opinions if needed, and a detailed argument for why your claim should be approved.
After a Denial
- Don't accept the denial as final
- Request a detailed written explanation
- Preserve all damage evidence
- Note appeal deadlines in your policy
- Call us for a free claim review
Claim Denied?
Don't give up. Many denied claims can be successfully appealed with proper documentation and representation.
Call 516-410-0164Quick 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.
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 Denied Claims
Get answers to common questions about denied insurance claims.
Don't Accept a Denied Claim Without a Fight
Get a free review of your denied claim. We'll tell you if we can help and explain your options for appeal.
Get Your Free Claim Review