Frozen & Burst Pipe Insurance Claims
Frozen and burst pipe losses often include hidden water damage inside walls, floors, ceilings, and insulation. Long Island Public Adjusters helps Nassau and Suffolk County homeowners document both visible and concealed damage (using moisture detection when needed) so the claim includes proper drying, remediation, and repairs—not just cosmetic fixes. Call 516-410-0164 for a free claim review.
The Hidden Damage of Burst Pipes
When pipes freeze and burst, the visible water damage is just the beginning. Water can seep into walls, floors, and ceilings, causing extensive hidden damage that may not be apparent for weeks or even months.
Insurance companies often try to limit frozen pipe claims to only the obvious damage, ignoring the water that has infiltrated insulation, subfloors, and structural components. This can lead to mold growth and ongoing problems.
As your public adjuster, we use moisture detection equipment to find all water damage and ensure your claim includes complete remediation — not just a quick cosmetic fix that leaves problems lurking behind your walls.
Damage We Document
Long Island Winter Challenges
Many Long Island homes have older plumbing systems that are more susceptible to freezing. Pipes in unheated areas like attics, crawl spaces, and exterior walls are particularly vulnerable during cold snaps.
We understand the specific challenges of Long Island homes and ensure your claim addresses all necessary repairs, including upgrading vulnerable pipes to prevent future freeze damage when covered by your policy.
Pipe Burst Checklist
- Shut off main water supply immediately
- Document all damage with photos/video
- Remove standing water if safe
- Don't dispose of damaged items yet
- Call us before accepting any offer
Pipe Burst Emergency?
Quick action prevents additional damage. Call us now for immediate assistance with your claim.
Call 516-410-0164Quick answers
Key Facts for Long Island Homeowners
- Do you check for hidden moisture?
- Yes. Every water damage job gets a thermal imaging scan and moisture meter readings, so wet walls, floors and cabinets don't get left out of the claim.
- 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 Frozen Pipe Claims
Get answers to common questions about frozen and burst pipe insurance claims.
Don't Let Hidden Water Damage Cost You
Get a thorough assessment of your burst pipe damage. We find damage that insurance companies miss.
Get Your Free Claim Review