Right after any property loss
Property Damage Documentation Checklist
The first-48-hours checklist: what to photograph, what paperwork to collect, and a room-by-room damage log you can fill in.
Free Downloads
Free Insurance Claim Guides & Checklists for Long Island Homeowners
Long Island Public Adjusters publishes ten free PDF guides that walk Nassau and Suffolk County property owners through an insurance claim: documenting damage, preparing for the carrier's adjuster, inventorying contents, and handling fire, storm, flood, denied, and rental property losses. Every guide is a direct download — no email required. Call 516-410-0164 if you would rather have us review your claim for free.
Download the Guides
Each guide is a printable PDF written for New York policyholders. Print the checklists and fill them in as you work through your claim.
The day before your inspection
Before the Insurance Adjuster Arrives
A one-page prep sheet for the carrier's inspection: how to prepare the property, what to say, and the five questions to ask before the adjuster leaves.
Any claim involving personal property
Home Contents Inventory Template
A printable inventory sheet with the detail carriers need to move contents from Actual Cash Value to Replacement Cost, plus the categories people forget.
Fire, smoke, or puffback losses
Fire & Smoke Claim Checklist
Every part of a fire loss that has to be documented separately: soot and odor, HVAC contamination, firefighting water, contents, debris removal, ALE, and code upgrades.
Named storms and wind damage
Storm & Hurricane Claim Guide
Before-and-after-the-storm checklists, how New York percentage hurricane deductibles work, and a wind-versus-flood coverage table.
Flood, surge, and rising-water losses
Flood Claim Guide: NFIP Deadlines & Proof
The 60-day sworn Proof of Loss requirement, what NFIP building and contents coverage does and does not include, and the proof a flood claim needs.
Denied claims and low offers
Denied or Underpaid Claim Appeal Guide
A four-step process for reopening a claim: get the denial in writing, test it against your policy, build the rebuttal, and escalate to DFS if needed.
Before or during any claim
Plain-English Homeowners Policy Guide
ACV vs. RCV, the depreciation holdback, Additional Living Expense, Ordinance or Law code upgrades, and the sub-limits that quietly cap your payout.
Condo, co-op, and HOA losses
Condo / Co-op Board Loss Response Checklist
First-72-hours steps for boards and managing agents, plus a table showing what falls under the master policy versus a unit owner's HO-6 and loss assessment coverage.
Rental and investment property losses
Landlord Loss of Rents Worksheet
The proof carriers ask for on loss of rents, a fill-in calculation sheet by unit, and the other landlord coverages that usually get missed.
Want Help Instead of Homework?
These guides show you what a proper claim file looks like. If you would rather not build it yourself, we handle the documentation, estimating, and negotiation end-to-end — with no fee unless we recover a payment for you.
Questions About Our Free Claim Guides
What these downloads include and how to use them on your own claim.
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Licensed New York public adjusters serving Nassau and Suffolk County. No up-front cost, and no fee unless we recover a payment for you.
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