Insurance Claims Guide
What to know before you call your carrier, in plain terms, not adjuster jargon.
Tell us what happened
- Based in East Islip, NY 11730
- Documentation built for your insurance claim
- Restoration and rebuild under one company
- Serving all of Nassau & Suffolk County, 24/7
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For an active leak, call. For everything else, send this and we'll get back to you.
Water in the house now? Call (631) 292-7611Sudden loss vs. flood, and why it matters
Standard New York homeowners policies (HO-3) generally cover sudden, accidental water damage: a burst pipe, an appliance failure, a roof leak from wind damage. They exclude flood damage from rising outside water, which needs a separate NFIP or private flood policy. FEMA and the NAIC both point out that most homeowners policies don't cover flooding, and many people find that out only after a loss.
Sewer and drain backups are another common gap. Many policies only cover them with an added rider. See sewage backup cleanup.
Sources: FEMA, FloodSmart.gov, NAIC, Flood Insurance
Documentation that helps your claim
- Photos and video before anything is moved or removed
- Daily moisture readings during drying
- An itemized scope, not a lump-sum estimate
- Receipts for any emergency work you pay for yourself
Deadlines and notice requirements vary by carrier and policy. Check your declarations page or ask your agent rather than relying on a general timeline.
We are not your insurance company. We document your loss and give you a scope you can bring to any adjuster. This page is general information, not legal or insurance advice. Confirm specifics with your carrier or a licensed agent.
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