Their adjuster works for the insurer.
Ours works for you.
Fire, water, leaks, roof, and storm damage across the five boroughs and Long Island. We document the loss, fight the carrier, and recover everything your policy owes — and we bring our own trusted vendors to handle the rest, start to finish.
Every kind of property loss in NYC
Residential and commercial — from a kitchen fire in a walk-up to a burst riser in a high-rise, we manage the entire claim so you never negotiate against your own insurance company alone.
Fire & Smoke Damage
Structural fire, smoke, soot, and the water damage from firefighting. We capture the full scope so nothing is left off the estimate.
Learn moreWater Damage & Leaks
Burst pipes, building leaks, sewage backups, and appliance failures. We document hidden moisture before it becomes a denial.
Learn moreRoof & Structural Damage
Wind-torn roofs, hail, collapse, and resulting interior damage. We make the case for full repair, not a patch.
Learn moreStorm & Wind Damage
Nor'easters, hurricanes, and severe storms. We handle emergency mitigation and the full property claim together.
Learn moreMold & Remediation
Mold from unresolved water intrusion. We tie it back to the covered loss and bring in certified remediation.
Learn moreVandalism & Theft
Break-ins, vandalism, and resulting property loss. We inventory and value everything you're owed.
Learn moreBusiness Interruption
Lost income and extra expense when your business can't operate. We build the financials carriers respect.
Learn moreDenied & Underpaid Claims
Already denied or lowballed? We re-open, re-document, and re-negotiate to recover what you should have been paid.
Learn moreOne call. We handle all of it.
Hire us and you're not just getting a claim filed. We coordinate the entire recovery and refer our own vetted vendors for every step — so after a disaster, you make one call and we take it from there.
- 01Emergency mitigation — board-up, water extraction, and drying to stop the loss from getting worse.
- 02Licensed contractors — restoration and rebuild crews we know and trust.
- 03Contents & inventory — specialists who itemize and value damaged belongings.
- 04Engineers & experts — structural and cause-of-loss reports when the carrier pushes back.
- 05Temporary housing — coordination of additional living expenses while your place is repaired.
From damage to settlement, in four steps
You stay focused on your home or business. We run the claim.
Free inspection & policy review
We come to you, assess the damage, and read your policy line by line to find every coverage that applies.
We document the loss
Full photo evidence, inventory, and a detailed estimate the insurance company can't brush aside.
We fight the carrier
We file, push back on lowball offers, and negotiate directly with your insurer from start to finish.
You get paid
The settlement goes to you. We coordinate our vendors to put your property back together.
Built by an adjuster who worked the other side.
Before founding NYC Public Adjusting, our adjuster spent years handling property claims — fire, water, roof, storm, and more — from inside the carrier's process. We know how insurers decide what to pay. Now that knowledge works for you.
We've seen how carriers inspect a loss, set reserves, and decide what to pay — so we know where claims get shorted.
We document and value the full loss the way the carrier's own process demands, and build the claim to support every dollar.
We work on contingency, regulated by NY DFS — you pay only if we recover on your claim.
Independent facts — not our claims
Here's what government studies and regulators say about property claims and representation.
Typical claim payments were $9,379 with a public adjuster vs. $1,391 without in non-catastrophe property claims, in a state review comparing represented and unrepresented policyholders.
OPPAGA Report 10-06 (2010). Gross settlements before adjuster fees; Florida data.
After Superstorm Sandy, a federal claims review paid over $258 million in additional money to more than 15,000 flood-insurance policyholders — most in New York and New Jersey — after litigation in New York federal court revealed damage reports had been altered to reduce payments.
FEMA Sandy Claims Review, 2015–2018; U.S. Senate oversight records.
Public adjusters are licensed and regulated by the NY Department of Financial Services, and you can cancel a compensation agreement without penalty until midnight of the third business day after signing. Verify any public adjuster's license on the DFS portal — including ours.
NY Department of Financial Services.
Serving the five boroughs and Long Island
Homeowners, landlords, co-ops, condos, and commercial property owners — every NYC neighborhood, plus Nassau County and Suffolk County west of the William Floyd Parkway. Tap your area for local details.
Manhattan
Brooklyn
Queens
The Bronx
Staten Island
Long Island
Nassau County
Suffolk County
Built to fight for New York property owners
NYC Public Adjusting is a licensed New York firm. We represent policyholders — never insurance companies — on fire, water, roof, storm, and other property damage claims throughout the five boroughs and Long Island.
Our adjuster spent years handling property claims from inside the carrier's process, so we know how insurers inspect, reserve, and decide what to pay. We put that to work for you: documenting losses thoroughly, knowing what your policy actually owes, and refusing to accept the first offer. And because we're full service, we bring our own trusted vendors from emergency mitigation through final repairs.
The result: you handle one phone call. We handle the claim.
The first days decide the claim
No countdown clocks, no pressure — just how claims actually work. Early documentation is the difference between what happened and what gets paid.
Most policies require prompt notice of a loss. Delay alone can complicate coverage — the clock starts at the damage, not when you get around to it.
Water migrates, mold can begin within 24–48 hours, smoke residue etches surfaces — and repairs made before documentation erase the proof.
Reserves and first impressions get set in the first days. What's missing from the early record rarely gets paid later.
Don't discard damaged property, don't sign off on scope, and don't accept a first offer before an independent review.
The NYC Property Owner's Claim Survival Guide
The first hours after a loss decide how much you recover. Get our free guide before you talk to the insurance company.
- What to do in the first 48 hours
- What never to say to the insurance adjuster
- The deadlines hidden in your policy
- 5 mistakes that get claims denied
What property owners ask us
What does a public adjuster do?
How are you different from the insurance company's adjuster?
How much does a public adjuster cost in New York?
Is there any cost to have you review my claim?
When should I call — before or after I file?
Can you help if I've already filed or already received an offer?
My claim was denied or underpaid. Can you still help?
What types of property damage do you handle?
Do you handle residential and commercial claims?
Will hiring a public adjuster raise my insurance premium?
How long does a claim take?
Do I have to use your contractors or vendors?
What makes your firm different?
What areas do you serve?
Are public adjusters licensed in New York?
Had a loss? Let's talk today.
Answer a few quick questions — it takes under a minute. We'll review your situation free, with no obligation, and if we can help, we'll take it from there.
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