Long Island Public Adjusters, LLC

Assistance documenting and presenting Additional Living Expense claims when you must move out during repairs. We help track temporary housing, meals, and displacement costs so your insurer can properly reimburse covered extra living expenses.

Public adjusting for properties under renovation or construction with builder’s risk or similar coverage. We help owners and contractors document losses, analyze policy terms, and pursue compensation for covered damage during the project.

Support in identifying required code upgrades, ordinance or law issues, and related costs. We coordinate with local building departments and contractors to include eligible code-required work in your insurance claim where coverage allows.

Public adjusting for lost income when your business can’t operate due to covered property damage. We analyze financials, work with your accountant, and present a detailed loss of income claim so you can pursue the full benefits in your policy.

Independent review of denied property damage claims. We analyze your policy, the carrier’s denial letter, and the facts of the loss, then advise on options to reopen, supplement, or formally challenge the decision as your licensed public adjuster.

Representation when structural failure, partial collapse, or sagging components impact your property. We work with engineers and contractors to determine cause, document conditions, and present your claim under the applicable policy provisions.

Full-service claim management for office buildings, retail, warehouses, and other commercial properties. We coordinate inspections, estimates, code upgrades, and business interruption components to protect your company’s financial recovery.

Support for commercial tenants with damage to improvements, fixtures, and buildouts they’ve installed. We review lease requirements, assess damage, and prepare a claim that properly addresses tenant betterments and improvements coverage.

Specialized help for condo and co-op unit owners when damage occurs to interiors, improvements, and personal property. We coordinate with the association’s master policy, review your HO-6 coverage, and prepare your individual unit owner claim.

Review of contractor estimates and scopes of work to ensure they match the damage and policy requirements. We compare contractor bids with our own scope and the insurer’s estimate to identify gaps, missing items, or underpriced work.

We prepare professional repair scopes and estimates using industry-standard formats. This helps establish the true cost to restore your property and provides a clear, organized basis for negotiating a fair settlement with your insurer.

Educational sessions for homeowners, boards, and local groups explaining property coverage, claim steps, and common pitfalls. We help Long Island residents better understand how to protect themselves before and after a loss.

Full claim support after a house fire, kitchen fire, electrical fire, or smoke damage. We assess structure and contents, create detailed inventories, coordinate with contractors, and negotiate with the insurance company on your behalf from start to finish.

We inspect and document structural, smoke, and soot damage for your fire insurance claim. Our detailed reporting helps support accurate repair estimates and a fair settlement.

We prepare or review repair scopes for fire-damaged homes to ensure all necessary work is included. This supports your claim negotiations with the insurance company.

Help navigating NFIP and private flood policies for coastal and ground water events. We separate flood vs non-flood damage, prepare detailed estimates, and assist with both primary and excess flood claims so you can focus on rebuilding, not paperwork.

Assistance to homeowner associations and boards handling community-wide damage. We coordinate master policy claims, common area repairs, and communication with unit owners to help the association manage a complex property loss.

Concierge-level claim handling for high-value homes, waterfront properties, and estates. We coordinate with specialized contractors and restoration experts to document your loss and seek a settlement that reflects the caliber of your property.

Full public adjusting service for Long Island homeowners after fire, water, wind, or other covered property damage. We handle inspections, documentation, estimates, and insurer negotiations so you can focus on getting your home and life back to normal.

Public adjusting for ice dams, frozen pipes, roof damage from snow load, and related interior water intrusion. We document affected areas, help coordinate dry-out and repairs, and advocate for proper coverage under your winter-related loss.

When appointed as a neutral umpire in an appraisal process, we review both sides’ estimates, inspect the property, and render an impartial award based on the evidence, policy language, and actual cost to repair or replace the damage.

Pre-loss or post-loss review of your homeowners or commercial policy. We explain coverages, exclusions, deductibles, and endorsements in plain language so you understand what is and isn’t covered before we build or challenge your claim.

Public adjusting for single-family rentals, multi-family homes, and small apartment buildings. We handle structure and contents claims, loss of rent, and required repairs so landlords can restore units and get tenants safely back in place.

Hands-on management for high-value and complex property claims, including major fires, widespread water damage, or multiple structures. We coordinate experts, handle extensive documentation, and lead negotiations on significant insurance losses.

Help when lightning or power surges damage your home’s electrical system, HVAC, appliances, or electronics. We coordinate inspections, prepare damaged equipment lists, and submit a clear claim package for covered property and equipment.

Support for landlords seeking reimbursement for lost rental income following a covered loss. We review leases, rent rolls, and policy language, then prepare and present loss of rent or fair rental value claims to your insurance company.

Support if your claim goes to mediation or appraisal. We help prepare your file, coordinate with appraisers or mediators, and represent your interests in alternative dispute resolution processes outlined in your insurance policy.

Support for mold conditions resulting from a covered water loss. We coordinate with environmental and remediation professionals, document affected building materials and contents, and present your claim for mold remediation and related repairs.

Assistance dealing with mortgage companies and lienholders when claim checks are issued jointly. We help you navigate endorsements, inspection requirements, and disbursement processes so repair funds can be released efficiently.

Claim support for owners of short-term rental properties when guests or unexpected events cause damage. We review policy language, document property and contents losses, and help pursue coverage under applicable endorsements.

Guidance from day one of your loss. We help you notify the carrier, set up the claim correctly, document the damage, and establish a strategy. Our early involvement helps protect your rights and prevents common mistakes that can cost you money.

Assistance with oil tank leaks, spills, and contamination affecting soil, basements, and foundations. We work alongside environmental contractors to document cleanup and restoration costs and present your claim pursuant to applicable coverage.

Detailed on-site inspection of structural, mechanical, and contents damage after a loss. We take photos, measurements, and notes, then use that documentation as the foundation for preparing your estimate and negotiating with your insurance company.

Creation of room-by-room personal property inventories after a loss. We list damaged or destroyed items, research replacement costs, and prepare detailed schedules for submission to the insurance company to support your contents claim.

Representation for dishwashers, washing machines, refrigerators, supply lines, and other appliance or plumbing leaks. We identify hidden damage, coordinate dry-out, and prepare a full claim to address both visible and concealed water issues.

Advisory service before you open a claim. We review the loss facts and your policy, explain potential outcomes, and help you decide the best way to proceed so you can avoid common missteps when dealing with your insurance company.

Licensed public adjusters representing Long Island homeowners and businesses in property insurance claims. We document damage, prepare estimates, and negotiate with your insurer for fair settlements after fire, water, or storm losses.

Full service representation for families dealing with stressful property damage. We handle the claim process, communicate with the insurer, and manage the details so you can focus on your family while we work to secure a fair settlement.

Tailored claim handling for investors, flippers, and portfolio owners. We help protect your rehab budgets and timelines by documenting damage, coordinating with contractors, and negotiating settlements that reflect real-world repair costs.

Help requesting a reinspection when new damage is found or initial inspections were incomplete. We meet the carrier’s adjuster on site, walk through disputed items, and prepare supplemental documentation to support additional payment.

Full-service claim handling for storefronts, offices, salons, and restaurants. We address building, contents, and business interruption components so owners can focus on serving customers while we manage the insurance side of the loss.

Assistance for roof leaks, damaged shingles, flashing failures, and resulting interior water damage. We determine cause, document affected areas, prepare repair scopes, and negotiate with your carrier for proper roof and interior restoration coverage.

Specialized help for sewer backup, sump pump failure, and drain line incidents. We review your policy endorsements, document the damage, and present a comprehensive claim to your insurer to seek the maximum benefits available under your coverage.

Specialized evaluation of smoke penetration and soot contamination. We prepare claim documentation outlining affected areas and necessary restoration steps covered under your policy

Help for lingering smoke odor after a fire, nearby wildfire, or furnace puff-back. We document affected areas, coordinate professional cleaning and deodorization estimates, and include these costs in your property damage claim.

Pre-storm consultation to review coverage, deductibles, and documentation practices. We help you understand what to record, how to document your property, and how to respond after a severe event to protect future claim rights.

Public adjusting for wind, hurricane, nor’easter, and severe storm damage on Long Island. We inspect roofs, siding, interiors, and contents, then build a complete claim package to help you recover for covered storm-related losses to your property.

Help for stolen property, break-ins, and burglary-related damage. We create itemized contents inventories, verify values, document forced entry damage, and submit a clear, organized claim package to your insurance company for review and settlement.

Assistance when trees, branches, or other falling objects damage roofs, siding, decks, vehicles on premises, or other structures. We document structural and contents damage, coordinate removal estimates, and negotiate with your insurer.

If your insurance payment seems low, we can re-evaluate the loss, compare it to actual damage and repair costs, and prepare a supplemental claim. Our goal is to help you address missed items and under-scoped repairs in the original estimate.

Representation for vandalism, forced entry, broken windows, graffiti, and other intentional damage to homes and businesses. We document structural and contents losses, secure bids, and present a full claim file to your carrier on your behalf.

Representation for light industrial properties, warehouses, and storage facilities. We document structural damage, equipment losses, and business interruption to pursue a settlement that reflects real replacement and repair costs.

We inspect and document the full extent of water damage—including hidden moisture—to support accurate repair estimates and a complete insurance claim presentation.

If your water damage claim was underpaid, we perform a reinspection and prepare supplemental documentation to pursue additional coverage for missed or undervalued repairs.

We review or prepare mitigation and restoration scopes after water damage to ensure the carrier accounts for all necessary drying, removal, and repair work.

Representation for water damage, burst pipes, plumbing failures, and resulting mold or structural issues. We document the loss, prepare detailed estimates, and negotiate with your carrier for a fair settlement under your homeowners or commercial policy.