Over $100 million in property-damage claims handled across a career in claims adjusting — that experience now sits on your side of the table. Get a free, no-obligation review of your claim.
Tell me about your loss. I'll tell you what your claim is really worth — no cost, no obligation.
Your insurer's adjuster works for your insurer. Their job is to close your file for as little as the policy allows. Here's how that plays out — and where a public adjuster changes it.
A government review of more than 61,000 property claims compared policyholders who used a public adjuster to those who didn't.
Typical settlement without a public adjuster versus with one — gross of fees. Unrepresented claims settle on the carrier's number.
A federal re-review paid over $258 million in additional money to 15,000+ policyholders — most in NY and NJ — after first-round reports were found to have understated damage.
OPPAGA Report 10-06 (2010), Florida Citizens Property Insurance, gross of fees; FEMA Sandy Claims Review (2015–2018). Results depend on your policy and loss.
After a loss, there's an adjuster on the claim either way. The only question is who they answer to.
Reads your full policy, documents the entire loss, builds the estimate, files and manages the claim, and negotiates for the maximum settlement — on your behalf, start to finish.
Assesses the same damage, but works for the carrier that pays them. Every judgment call about scope, price, and coverage is made from the company's side of the table.
We go over what happened, your policy, and where the claim stands. You leave the call knowing what your claim is realistically worth and what your options are — whether or not you hire us.
If we're a fit, we inspect the loss, read every coverage and endorsement, and prepare a full, line-item estimate at true NYC replacement cost — the foundation the carrier has to answer to.
We present and negotiate the claim directly with your insurer and push it to the maximum supported settlement, so you can repair your property and move on.
New York losses have their own patterns: aging buildings, shared walls and plumbing, flat roofs, and carriers that know how to undervalue city claims. Here's what each type of claim really involves.
The most common NYC claim — frozen and burst pipes in winter, supply-line failures, water heater and appliance leaks, and sewer or drain backups. Damage travels through floors and shared walls fast, and carriers lean hard on the "sudden and accidental" vs. "gradual" distinction to deny.
In attached and multi-unit buildings, a fire in one unit sends smoke and soot through shared walls, ceilings, and HVAC into units that never burned. Losses include structure, contents, smoke and odor remediation, and FDNY code-mandated upgrades during rebuild.
Nor'easters, tropical storms, and severe thunderstorms bring 70+ mph gusts, wind-driven rain, and fallen trees that strip roofing, break windows, and drive water inside. Coastal properties face added surge exposure.
Flat and low-slope roofs common across NYC pond water and fail at seams and flashing. Insurers routinely reclassify storm damage as "wear and tear" or deferred maintenance to deny an otherwise covered leak.
Mold usually follows water damage and is where carriers apply low sublimits or deny outright, arguing delayed reporting or maintenance. Remediation and containment costs add up quickly.
Break-ins, malicious damage, and theft — a heightened risk for vacant, under-renovation, or transitional properties, where carriers may also raise occupancy and vacancy defenses.
When a covered loss shuts down operations, you're owed lost income and extra expense over the period of restoration — not just physical repairs. It's the most document-intensive and most frequently underpaid part of a commercial claim.
A denial or a closed, lowballed claim is not the end. Underpaid and denied claims can often be reopened and supplemented when new documentation or missed damage supports it.
Build-out, equipment, inventory, tenant improvements, and lost income — each valued differently, each an opening for the carrier to trim the claim.
The building policy and the unit-owner policy overlap and conflict. Carriers exploit the gray zone between what the board's policy covers and what falls to the shareholder or owner. We map coverage across both.
Large building envelopes, stored inventory, and multiple tenants mean complex scopes and layered coverage that generic estimates miss.
Lost revenue, payroll, and the cost of operating elsewhere during restoration — proven from your books, over the full period you're entitled to.
The larger the loss, the more a complete, well-documented claim is worth — and the harder the carrier works to reduce it. Get a licensed public adjuster reading your policy before you accept anything.
Start a free reviewNew York licenses public adjusters to represent policyholders — not the carrier — throughout the claim.
An initial settlement is a starting position. You can document, dispute, and negotiate for the full value owed.
Under New York law, unclear policy language is construed against the insurer that drafted it.
Underpaid and denied claims can frequently be reopened and supplemented when the documentation supports it.
The claim review is free with no obligation. If you hire us, there's no upfront cost — a fee is charged only as a percentage of what we recover on your claim. You'll see the exact fee in writing before you sign anything. Read our guide on how much a public adjuster costs in New York.
Often, yes. Denied and underpaid claims can frequently be reopened and supplemented when new documentation or missed damage supports a higher recovery. Send us the file and we'll tell you honestly whether there's room to recover more.
It depends on the loss and the carrier, but a well-documented claim moves faster than one you fight alone. We keep it moving and hold your insurer to New York's response requirements.
Yes — residential, co-op, condo, and commercial, including business interruption. These involve overlapping policies and larger, more disputed claims, which is exactly where a public adjuster earns their keep.
All five boroughs of New York City, plus Nassau County and western Suffolk County.
Before you give a recorded statement or accept any figure, it's worth a free review. Early wording and decisions can affect what you're able to recover later.
Free, no-obligation review with a licensed New York public adjuster. Bring your loss — or your denial — and let's see what's recoverable.
Get my free claim review or call (646) 600-5195