Quick answers from Kevin Godfrey, a licensed public adjuster with 22+ years helping Nassau and Suffolk County homeowners get paid what their policy owes.
Kevin Godfrey, a licensed Long Island public adjuster, explains why the first estimate on a water damage claim is an opening position, not a final verdict — and what to check before you cash the check.
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Coverage depends on where the water came from. Burst pipes and appliance failures are usually covered; groundwater and surface runoff usually require a separate flood policy.
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When a tree hits a covered structure, repair and removal are usually covered. A tree that lands only in the yard generally isn't — and carriers often claim the tree was already dead.
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A Proof of Loss is a sworn statement of your damages. Miss the 60-day demand and the carrier can deny the claim on a technicality — but a rushed, incomplete one can lead to underpayment.
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