National General Property Claim Guide for New York Homeowners

National General Insurance was acquired by Allstate and is being integrated into Allstate's claims infrastructure. During this transition, claim handling may vary — some claims are processed through National General's legacy systems, others through Allstate's. This can create confusion and delays.

National General historically wrote non-standard homeowners policies, which may have different exclusions, lower limits, or different deductible structures than standard carriers. It is important to read the actual policy, not assume standard coverages apply.

We see these issues with National General claims on Long Island:

Regardless of the Allstate integration, your National General policy is a New York insurance contract governed by NY Insurance Law. The carrier must acknowledge, investigate, and settle in good faith. Your policy includes an appraisal clause and a suit-limitation period (typically two years from the date of loss).

If the carrier applies an exclusion that is broader than what a reasonable policyholder would expect, that may be challengeable under NY case law on ambiguous policy language.

A public adjuster starts by reading the actual policy to identify its specific exclusions and limits, then documents the full scope at local pricing and negotiates with whichever entity is handling the claim. We file supplements, track recoverable depreciation, and push for every applicable coverage.

Fees average 6–12% of the recovery, capped at 12.5% by New York law. No recovery, no fee. Call 516-410-0164 for a free review.