Sewer Backup & Sump Pump Failure Claims
Sewer and sump pump claims are among the most disputed. We document the cause, extent, and contamination to maximize your settlement.
Why Sewer Claims Are Complex
Sewer backup and sump pump failure claims are among the most frequently disputed by insurance companies. Many standard policies exclude or limit sewer backup coverage, requiring specific endorsements for full protection.
Beyond coverage disputes, these claims involve contaminated water (Category 3) that requires specialized cleanup. Insurance adjusters may underestimate the scope of necessary remediation, leaving homeowners with incomplete restoration.
As your public adjuster, we verify your coverage, document the contamination extent, and ensure your claim includes proper professional remediation — not just cosmetic repairs that leave health hazards behind.
Situations We Handle
Long Island Sewer Challenges
Many Long Island homes have aging sewer infrastructure and rely on sump pumps to manage high water tables. Heavy rains and coastal storms can overwhelm municipal systems, causing widespread backup incidents.
We understand the local infrastructure challenges and help homeowners navigate the complex process of sewer-related claims, ensuring proper coverage for both property damage and necessary health hazard remediation.
Sewer Backup Checklist
- Avoid contact with contaminated water
- Document damage before any cleanup
- Check your policy for sewer endorsement
- Don't dispose of contaminated items
- Call us for expert claim guidance
Sewer Emergency?
Contaminated water is a health hazard. Call us now for immediate guidance on your claim.
Call 516-410-0164Areas We Serve
We handle sewer backup claims throughout Long Island including:
See More Areas We CoverQuick 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 Sewer Backup Claims
Get answers to common questions about sewer backup insurance claims.
Don't Let Sewer Claims Get Dismissed
Sewer backup claims require expert handling. Get a free consultation about your coverage and claim options.
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