Underpaid Insurance Claim? Get What You Deserve
If your insurance settlement doesn't cover your actual repair costs, we can help you document additional damages and negotiate for more.
Why Insurance Companies Underpay Claims
Insurance companies are businesses focused on their bottom line. Their adjusters are trained to minimize payouts, often using depreciation schedules that undervalue your losses or missing damage that isn't immediately obvious.
Many homeowners don't realize their initial settlement offer is negotiable. Insurance companies count on policyholders accepting the first offer without questioning whether it truly covers their repair costs.
As your public adjuster, we conduct a thorough reinspection of your property, document all missed or undervalued damage, and prepare a supplemental claim to recover the full amount you're owed.
After a widespread storm, claim volume and rushed initial inspections can make omissions more likely. See our Research Center analysis of the Catastrophe Adjuster Effect.
Signs Your Claim Was Underpaid
Our Supplemental Claim Process
We start by reviewing your original claim and settlement. Then we conduct our own detailed inspection to identify all damage that was missed or undervalued by the insurance company's adjuster.
Our team prepares a comprehensive supplemental claim with updated estimates, additional documentation, and expert opinions when needed. We then negotiate directly with your insurance company to recover the additional funds you deserve.
Before Accepting Settlement
- Get multiple contractor estimates
- Compare estimates to insurance offer
- Look for hidden or secondary damage
- Review depreciation calculations
- Call us for a free second opinion
Settlement Too Low?
On average, we recover 35% more than the initial insurance offer. Get a free review of your settlement.
Call 516-410-0164Quick answers
Key Facts for Long Island Homeowners
- Do you use thermal imaging?
- Yes — on every water and fire job, to find hidden moisture the insurer's adjuster may miss.
- 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 Underpaid Claims
Get answers to common questions about underpaid insurance claims.
Don't Settle for Less Than You Deserve
Get a free review of your insurance settlement. We'll tell you if you're entitled to more and how much we can recover.
Get Your Free Claim Review