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Claim Guides
Plain-language answers to the property claim questions New York homeowners, renters, and business owners actually ask — written by a licensed New York public adjuster, not an insurance company. Every guide covers what standard policies pay, where carriers push back, and how to document the loss so it holds up.
Commercial
Business Interruption Claims: What Your Policy Actually Owes Your NYC Business
Lost profit, continuing payroll, extra expense, civil-authority closures — what business income coverage pays after physical damage, and the financial records that prove the number.
Read the guide →Homeowners & Renters
Loss of Use & ALE: Who Pays Your Rent While Your Home Is Repaired
If a covered loss makes your home unlivable, the policy pays for comparable housing, the food-cost difference, laundry, storage, and more. How much you have, and how not to get shorted.
Read the guide →All Policyholders
The Coverages Hiding in Your Property Policy
Smoke-damaged clothing restoration, food spoilage, debris removal, code-upgrade money, condo loss assessments — small line items that routinely add thousands to a properly built claim.
Read the guide →Storm
Tree Damage Claims: Whose Insurance Pays, and for What
Neighbor's tree on your roof? City street tree through the fence? Who pays, what the removal sublimits look like, and the strict 90-day clock on claims against New York City.
Read the guide →Storm, Fire & Water
Emergency Tarping, Board-Up & Mitigation: The Order of Operations
The policy requires you to protect the property from further damage — and requires the insurer to reimburse it. Photograph first, mitigate second, and watch what you sign.
Read the guide →Water & Mold
Is Mold Covered by Homeowners Insurance in New York?
Covered when it grows from a sudden covered water loss — excluded when the carrier can call it maintenance. The sublimits, NY's licensing rules, and the documentation that decides which one yours is.
Read the guide →Hiring an Adjuster
How Much Does a Public Adjuster Cost in New York?
Fees are capped by state regulation at 12.5% of the recovery — contingency only, no upfront cost, cancellable for three business days. The math on real claims, and the honest cases where hiring one isn't worth it.
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