Frequently Asked Questions | Long Island Public Adjusters?

Get answers to common questions about public adjusters, insurance claims, water damage, fire damage, and more. Expert guidance from Long Island Public Adjusters.

Do public adjusters work for the insurance company?

No. Public adjusters are licensed professionals who work exclusively for policyholders—never the insurance company. While your insurer sends their own adjuster to protect their interests, a public adjuster from Long Island Public Adjusters advocates solely for you to maximize your settlement on water damage , fire , storm , and other property claims.

When should I hire a public adjuster after a loss?

The sooner, the better. Ideally, contact a public adjuster before filing your claim or immediately after. Early involvement allows us to properly document all damage, prevent mistakes on your initial claim, and establish the full scope of loss from the start. Long Island Public Adjusters offers free claim reviews within 24 hours for Nassau and Suffolk County homeowners.

Can a public adjuster help if my insurance offer is too low?

Absolutely. Underpaid claims are one of our specialties. Our public adjusters review your policy, re-document the damage using Xactimate and professional estimating tools, and negotiate directly with your insurer to pursue a fair settlement. Many Long Island homeowners receive significantly higher payouts after hiring a public adjuster. Learn more about underpaid claims .

What types of claims do you handle on Long Island?

Long Island Public Adjusters handles all residential and commercial property claims across Nassau County and Suffolk County, including water damage , fire and smoke damage , storm and wind damage , mold damage , flood damage , and denied or underpaid claims .

How do public adjuster fees work in New York?

In New York, public adjusters work on a contingency basis—meaning we only get paid if you receive a settlement. Our fee is a percentage of your claim payout, which is disclosed upfront before you sign anything. There are no out-of-pocket costs, and our interests are fully aligned with yours: the more you recover, the more we earn. Visit our FAQ page for more details.

How is a public adjuster different from a contractor or attorney?

A public adjuster specializes in insurance claims—not repairs or lawsuits. We document damage, interpret your policy, prepare detailed estimates, and negotiate with your insurer. Contractors repair your property but do not handle claims. Attorneys get involved if litigation is needed. For most Long Island property claims, a public adjuster is the most effective first step to maximize your settlement.

What is the first thing I should do after property damage?

Immediately ensure your safety, then call Long Island Public Adjusters, LLC before you call your insurance company. We can guide you on how to stop the damage from getting worse (mitigation) and ensure you don't say the wrong thing to your insurer that could hurt your claim later.

Does homeowners insurance cover frozen pipe bursts?

Yes, frozen pipe bursts are a common covered peril in Long Island, provided you maintained heat in the building. We help prove that the damage was sudden and that you took reasonable steps to maintain the property. This includes submitting electrical and heating bills and setting timelines of maintenance and use.

Should I call a public adjuster before my insurance company?

Yes, it is highly recommended. Calling us first ensures your claim is reported correctly from minute one. Insurance company adjusters work for the carrier; we work exclusively for you to define the scope of damage accurately so you aren't underpaid.

Is water damage covered by homeowners insurance?

Generally, yes, if the water damage is "sudden and accidental," like a burst pipe or appliance failure. However, gradual leaks or flooding from outside (rising water) often require specific policies. We can review your policy immediately to confirm your coverage.

What counts as "sudden and accidental" damage?

"Sudden and accidental" refers to damage that happens instantly and unexpectedly, such as a tree falling on your roof, a pipe bursting, or a kitchen fire. It is distinct from "wear and tear" or maintenance issues, which are typically not covered.

Do I have to use the restoration company my insurance suggests?

No, you are never required to use the insurance company's preferred vendor. You have the right to hire your own restoration contractors. We often recommend independent contractors who work for you, not the insurance carrier's bottom line.

Can I throw away damaged items before the adjuster arrives?

Do not throw anything away until it has been documented. Keep all damaged items as evidence. If you must remove them for safety, take extensive photos and videos of the items first, or let Long Island Public Adjusters, LLC handle the documentation for you.

How do I stop a water leak without hurting my claim?

You have a duty to mitigate damages, meaning you must take reasonable steps to stop the leak (turn off the main water valve) and dry the area. However, do not start permanent repairs until we have inspected the damage and documented the full scope for your claim.

Is mold covered by my insurance policy?

Mold coverage depends on your specific policy and the cause of the mold. If the mold resulted from a covered "sudden and accidental" water event (like a burst pipe), it is often covered up to a specific sub-limit. We can analyze your policy to find this coverage.

What documents do I need to file a property damage claim?

You will need your insurance policy number, the date of loss and photos/videos of the damage. We handle the compilation of detailed insurance estimates, inventories, engineering reports and Proof of Loss packets so you don't have to.

What if the insurance company ignores my emails?

This is considered "bad faith" behavior. New York insurance regulations require timely responses. When Long Island Public Adjusters, LLC steps in, we hold them accountable to state timelines and can file complaints with the Department of Financial Services if they stall.

How much does a public adjuster charge in Long Island?

Public adjusters charge a small percentage of the total settlement they recover for you, capped at 12.5% per New York State law. At Long Island Public Adjusters, LLC we usually charge between 8-10%. We only get paid when you get paid.

Who pays the public adjuster fee?

The policyholder pays the fee out of the final settlement check. It is not an "extra" bill you pay from your savings; it comes from the increased payout we secure for you.

Will my insurance premium go up if I hire a public adjuster?

No, hiring a public adjuster itself does not raise your rates. Premiums generally rise based on claim frequency, claim severity, or regional risk factors, not because you hired professional representation to handle your claim.

Do I have to pay a public adjuster upfront?

No. You should never pay a public adjuster out of pocket before the claim is settled. We only collect our fee once the insurance company issues the check.

Is hiring a public adjuster worth the cost?

Yes. Studies ( OPPAGA Reports ) have shown that policyholders who hire public adjusters can receive settlements significantly higher (sometimes upwards of 700% more) than those who handle claims alone. The increase in your settlement usually far outweighs our fee.

Can a public adjuster get me more money than I can get myself?

In most cases, yes. Insurance adjusters often overlook hidden damages (like moisture behind walls or smoke damage in HVAC systems). We use moisture meters, thermal cameras, and construction expertise to prove every dollar of damage you are owed.

What if the insurance company offers a low settlement?

We reject it. We will present our counter-estimates and evidence to justify why the offer is insufficient. If they refuse to budge, we can escalate the claim to "Appraisal" or mediation to fight for the fair value. Learn more about our underpaid claim services .

Can I fire my public adjuster?

Yes. In New York, you have 3 business days to cancel a contract with no penalty. After that, cancellation terms depend on the contract, but we focus on transparency so you never feel the need to leave.

Are public adjusters licensed in New York?

Yes. All public adjusters must be licensed by the New York State Department of Financial Services and bonded. You should never hire an unlicensed contractor to negotiate your claim.

What is the difference between a public adjuster and an insurance adjuster?

The insurance adjuster works for the insurance company and protects their financial interests. A Public Adjuster (like us) is state-licensed to work exclusively for you, the policyholder, to protect your financial interests.

Do you handle claims in Suffolk and Nassau counties?

Yes, we serve all of Long Island, including the Hamptons, Islip, Brookhaven, Hempstead, and Oyster Bay. We know the local building codes specific to these towns.

Will you handle all communication with my insurance company?

Yes. Once you hire us, we take over all emails, phone calls, and negotiations. You won't have to argue with your insurance company anymore; we act as your buffer and advocate.

Can I hire a public adjuster after I already filed a claim?

Yes, you can hire a public adjuster at any point in the process—even if you have already received a check or if your claim was denied . However, involving a public adjuster early usually leads to a smoother process and higher settlement.

How long does an insurance claim take with a public adjuster?

While every claim is different, having a public adjuster can often speed up the process by eliminating delays caused by incorrect paperwork or poor communication. A typical claim can take anywhere from 30 to 90 days, but we push for the fastest possible resolution.

Do I have to be present when the insurance adjuster visits?

No. We meet the insurance company's adjuster at your property to point out damages they might miss and ensure they don't minimize the scope of the loss. If, in the event, the adjuster does need to speak with you, we are there.

What is a "Proof of Loss"?

A Proof of Loss is a formal, sworn statement required by your insurance carrier that details the extent of your damage and the amount of money you are claiming. If this is filled out incorrectly, your claim can be denied. We handle this critical document for you.

What happens if I find more damage after the check comes?

You can file a "Supplemental Claim." We document the newly discovered damage and submit it to the insurance company for additional payment.

Do public adjusters in New York State require a bond?

Yes. New York requires public adjusters to post a bond before a license is issued, in addition to passing the licensing exam and completing continuing education. Our license number is PA-1156995 and can be verified with the New York State Department of Financial Services.

What are the public adjuster license requirements in New York?

A New York public adjuster must pass a state licensing exam, post a bond, hold a written compensation agreement with each client, complete continuing education credits every renewal period, and may not be compensated more than 12.5% of the claim recovery.

What is included in a standard public adjuster contract?

A compliant New York agreement identifies the licensed adjuster and license number, the loss and property, the services provided, the compensation percentage, your right to cancel within the statutory window, and the fact that the adjuster represents you and not the insurance company. Never sign an agreement that leaves the fee blank.

Are public adjusters added to the settlement check?

Insurers commonly issue the claim check payable to the policyholder, the mortgage holder if there is one, and sometimes the public adjuster of record. Your written agreement controls how the fee is paid out of the recovery — we walk you through each check before it is endorsed.

What should I do if a public adjuster is holding my insurance check?

Ask in writing for an accounting and immediate release of the funds owed to you. If it is not resolved, you can file a complaint with the New York State Department of Financial Services, which licenses and regulates public adjusters. A licensed adjuster should never hold your funds without a clear, agreed reason.

What if my public adjuster isn't responding?

Put your request in writing, ask for a status update and copies of everything submitted to the carrier, and review the cancellation terms in your agreement. You are entitled to know exactly where your claim stands. Poor communication is one of the most common complaints homeowners bring to us when switching adjusters.

What are the pitfalls or downsides of hiring a public adjuster?

The fee comes out of your recovery, and a small or straightforward claim below your deductible may not justify it. Problems usually come from unlicensed or unresponsive operators rather than the service itself. Verify the license, read the agreement, and ask for local references before hiring anyone.

What is the difference between a public adjuster and an appraiser?

A public adjuster represents you throughout the entire claim — documenting, valuing, and negotiating. An appraiser is appointed for the formal appraisal process written into your policy, where each side names an appraiser and an impartial umpire resolves a disputed amount of loss.

What is the difference between a public adjuster and a lawyer?

A public adjuster handles the valuation and negotiation of your claim. An attorney handles litigation and legal claims such as bad faith. Most disputes over the amount of a loss are resolved by an adjuster without a lawsuit; if litigation becomes necessary, we can coordinate with counsel.

Do you use Xactimate?

Yes. We prepare line-item estimates in Xactimate, the same estimating platform most insurance carriers use, so our scope can be compared to theirs item by item. That makes it far harder for a carrier to dismiss documented damage.

What are my responsibilities after a loss?

Your policy requires you to report the loss promptly, protect the property from further damage, cooperate with the investigation, keep records and receipts, produce documents when reasonably requested, and submit a sworn Proof of Loss if the carrier demands one. We manage these obligations with you so nothing is missed.

Can my insurance agent handle my claim for me?

Your agent sells and services the policy but does not adjust claims and cannot negotiate your settlement. Only a licensed public adjuster, an attorney, or you can represent your interests in the claim itself.

Should I use a public adjuster for a roof or hail damage claim?

It is usually worth a free review. Roof and hail claims are frequently denied as wear and tear or paid as a partial repair. We document the damage pattern, storm date, and matching requirements so the scope reflects a proper repair or replacement.

Can you use a public adjuster in New York City?

Yes. Our New York license covers the five boroughs as well as Nassau and Suffolk County, and we handle Brooklyn, Queens, Manhattan, Bronx, and Staten Island claims including co-op, condo, and multi-family losses.

Do you offer a free consultation?

Yes. Policy review and claim consultation are free with no obligation. Call 516-410-0164 and we will tell you honestly whether you need a public adjuster.

Is water damage covered by homeowners insurance?

Generally yes, if the water damage is "sudden and accidental" (like a burst pipe). Gradual leaks are often denied, which is why proper documentation of the timeline is critical.

Knowledge Center

Insurance Claim FAQs (Long Island, NY)

Get clear answers to common property insurance claim questions for Nassau and Suffolk County—including what a public adjuster does, how the claim process works, documentation tips, proof of loss, and what to do if your claim is denied or underpaid. Need help now? Call 516-410-0164 for a free claim review.

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Our Core Values

Why Choose Us

Understanding our commitment to Long Island homeowners.

Quick Questions

I just had a disaster. What do I do?

Immediate guidance for property damage emergencies.

Costs, Fees & Trust

The Money

Understanding public adjuster fees and your rights as a policyholder.

Licensing & Process

The Logistics

How we handle your claim from start to finish.

Water, Mold & Flood

The Wet Stuff

Coverage questions for water, flood, mold, and sewer backup claims.

Fire & Smoke

The Hot Stuff

What to do after a fire and how to document smoke damage.

Storm, Roof & Exterior

The Outside

Understanding storm claims and hurricane deductibles.

Denials, Disputes & Business

The Fight

What to do when your claim is denied, underpaid, or involves a business.

Learn More About Our Services

Visit our service pages for detailed information about specific claim types.

Water Damage Claims

Fire Damage Claims

Storm & Hurricane Claims

Flood Damage Claims

Frozen Pipe Claims

Mold Damage Claims

Smoke & Puffback Claims

Sewer Backup Claims

Denied Claim Review

Underpaid Claim Help

Commercial Property Claims

Rental Property Claims

Still Have Questions?

Our team is here to help. Contact us for a free consultation and get personalized answers about your claim.

Insurance Claim FAQs (Long Island, NY)

Jump to a Topic

Our Core Values

Quick Questions

Costs, Fees & Trust

Licensing & Process

Water, Mold & Flood

Fire & Smoke

Storm, Roof & Exterior

Denials, Disputes & Business

Our Core Values

Do public adjusters work for the insurance company?

When should I hire a public adjuster after a loss?

Can a public adjuster help if my insurance offer is too low?

What types of claims do you handle on Long Island?

How do public adjuster fees work in New York?

How is a public adjuster different from a contractor or attorney?

Quick Questions

What is the first thing I should do after property damage?

Does homeowners insurance cover frozen pipe bursts?

Should I call a public adjuster before my insurance company?

Is water damage covered by homeowners insurance?

What counts as "sudden and accidental" damage?

Do I have to use the restoration company my insurance suggests?

Can I throw away damaged items before the adjuster arrives?

How do I stop a water leak without hurting my claim?

Is mold covered by my insurance policy?

What documents do I need to file a property damage claim?

What if the insurance company ignores my emails?

Costs, Fees & Trust

How much does a public adjuster charge in Long Island?

Who pays the public adjuster fee?

Will my insurance premium go up if I hire a public adjuster?

Do I have to pay a public adjuster upfront?

Is hiring a public adjuster worth the cost?

Can a public adjuster get me more money than I can get myself?

What if the insurance company offers a low settlement?

Can I fire my public adjuster?

Licensing & Process

Are public adjusters licensed in New York?

What is the difference between a public adjuster and an insurance adjuster?

Do you handle claims in Suffolk and Nassau counties?

Will you handle all communication with my insurance company?

Can I hire a public adjuster after I already filed a claim?

How long does an insurance claim take with a public adjuster?

Do I have to be present when the insurance adjuster visits?

What is a "Proof of Loss"?

What happens if I find more damage after the check comes?

Do public adjusters in New York State require a bond?

What are the public adjuster license requirements in New York?

What is included in a standard public adjuster contract?

Are public adjusters added to the settlement check?

What should I do if a public adjuster is holding my insurance check?

What if my public adjuster isn't responding?

What are the pitfalls or downsides of hiring a public adjuster?

What is the difference between a public adjuster and an appraiser?

What is the difference between a public adjuster and a lawyer?

Do you use Xactimate?

What are my responsibilities after a loss?

Can my insurance agent handle my claim for me?

Should I use a public adjuster for a roof or hail damage claim?

Can you use a public adjuster in New York City?

Do you offer a free consultation?

Water, Mold & Flood

Is water damage covered by homeowners insurance?

What if I have water damage but no standing water?

Do I have to use the restoration company my insurance suggests?

What is the difference between a flood claim and a water claim?

Is sewer backup covered automatically?

Does homeowners insurance cover frozen pipe bursts?

How do I stop a water leak without hurting my claim?

Is mold covered by my insurance policy?

Is "slab leak" coverage included in my policy?

Can I claim for food spoilage after a power outage?

Fire & Smoke

Can I throw away damaged items before the adjuster arrives?

What is "Loss of Use" or ALE?

What should I do if I have smoke damage but no fire?

What is a "Puffback"?

Can I just wipe the soot myself?