Claim Process
Allow us to represent you
We are retained by YOU the insured who suffered a loss. We are then your official team/representative to the insurance carrier. We are compensated for this work by a fee that is a small percentage of the claim recovery amount. This allows us to do the best job for you and everyone wins. Customarily favorable settlement will offset this fee. If we do not settle the loss there is no charge for our services.
Report the claim to your carrier
Once we inspect the loss and gather information we will report the loss to your insurance carrier. The claim will be assigned to a claim adjuster on Long Island who will reach out to you and us.
We will meet the claim adjuster at the loss property. In some cases this is done numerous times throughout the claim process.
Assist with emergency services
An insureds duty is to preserve the scene and prevent further loss. We assist here by bringing in the proper vendors who follow carrier guidelines and receive compensation direct from the insurance company with no out-of-pocket expense to our clients. (board up, cleanup/mitigation, etc.)
Secure temporary housing
If your home suffers a loss it may not be habitable for some time. Being comfortable and getting your life back to normalcy is very important. We will help find immediate accommodations (hotel) until we can find a longer-term rental apartment or home. Rental furniture comes into play very often here as well.
Organizing the claim
This process is the most complex. This includes inventory and inspection of both the damaged building and personal or business property. Our building estimation experts and inventory teams help assist during this process. Our claim adjusters are thorough and organized during this stage of the claim is crucial to obtaining the proper settlement later.
Settlement Negotiations
Once we enter the negotiation ring we hold nothing back. Proper claim organization will enable the negotiation of the settlement to go smoother. Every claim is different and policies will widely differ on language and conditions. This is where our team shines with not only field claim adjuster experience but in-depth understanding of insurance contract language.
This is what we call “The Claim Differentiator.”