Should You Accept the Insurance Company's First Offer?
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.
Read the full answer
Free claim review: 516-410-0164Video transcript
Got your insurance company's first estimate back for your water damage claim and feeling like the numbers don't even come close to covering the actual repair costs? You are definitely not alone.
Insurance company desk adjusters and field inspectors rely on computer software that often misses localized labor rates on Long Island, specialized drywall tear-outs, and hidden moisture behind cabinets and subfloors.
That first offer they send you isn't a final verdict — it's an opening negotiating position. If you cash that check or sign off without a complete review, you are legally locked out of asking for the rest of the money later when contractors actually start rebuilding.
As a licensed public adjuster working across Nassau and Suffolk counties, my job is to step in, go through the carrier's estimate line by line, document every missed item, and fight for the full settlement you're actually owed under your policy.
Before you accept a lowball offer, get a professional set of eyes on your claim. Call or text me, Kevin Godfrey, at 516-410-0164 for a free consultation.