Insurance Claims Assistance New York
Handling the Claims Process, So You Don't Have To
Insurance coverage is meant to be a lifeline for when you need financial support. The reality? Insurance companies in New York state often try to reduce payments, and getting the compensation you deserve can feel like a never-ending battle.
We assist you every step of the way. Our public adjusters will help you navigate the claims process and secure an appropriate payment.
We assist you every step of the way. Our public adjusters will help you navigate the claims process and secure an appropriate payment.
Our Public Adjusters Work FOR You
General adjusters usually work for the insurance company, but our public adjusters work for you. Our primary goal is to support you through the entire process, remove ambiguity, and be your advocate.
From ensuring your documentation is in order to filing the claim and negotiating with the insurance provider, we remove stress and secure a payment that reflects your level of insurance coverage.
Our clients have complete clarity thanks to our in-house software system that organizes and updates the claim.
We’re also with you until the very end and don’t get paid until you do.
If your claim is unsuccessful, you don’t pay us a thing.
How We Help You With Your Insurance Claim
Whether you’re the victim of a natural disaster, crime, or an accident, you have the right to claim through your insurance coverage and receive financial assistance.
We follow a set process for insurance claim handling in New York, ensuring you have ongoing support.
Damage Assessment & Contents Inventory
We review the damage and how it might affect your insurance claim. We’ll review your policy during this stage and help you create an inventory of ruined or stolen items for the insurance provider.
It’s important to remember that the amount you’re eligible to claim depends on your level of coverage, but we can help you with the entire process.
Negotiations With Your Insurance Provider
Your insurance company will have its own adjuster to go over the damage and evidence. Most providers offer a lower amount than they should, and this is where we come in. Our adjusters work on your behalf to ensure you receive payment.
We’ll negotiate with your provider and do our best to get you the maximum payment you’re entitled to under your insurance policy.
Settling Your Claim
The most important part of the claims process is getting the monetary compensation you want, and public adjusters can help you. In most cases, we’ll be able to get the settlement you deserve, but in very rare circumstances, your insurance provider might play hardball.
If this happens and you need to take the insurance company to court, we’ll support you.
We've Settled A Range of Claims for New Yorkers
Lexington Public Adjusters, is the perfect choice for anyone who needs support with an insurance claim. Whether you’re a homeowner, have a small business, or own a large commercial building, our public adjusters are experts in their field.
We understand how stressful NY insurance claims can be, but our team simplifies everything for you. Here’s how we can help:
Home Insurance
If you’re the victim of a robbery or your home becomes subject to storm damage, it can be challenging to show that you’re not at fault. However, most insurers in disaster-prone states will understand that these events are unavoidable.
Making a homeowner’s insurance claim in New York might seem simple, but getting the financial assistance you deserve can be a challenge. Our public adjusters liaise with your insurance provider and make sure you receive the support you’re entitled to.
Car Insurance
Automobile insurance claims are common in the USA, and you might find you need to make one soon. The amount of money you’re eligible to receive depends on the level of cover and why you’re making a claim.
For example, if you’re in a car accident, your car insurance provider will want to know who was at fault, how the accident occurred, and see witness statements. If you’re covered under your policy, we can help with your car insurance claim.
You’ll also have to pay the excess when you have your car repaired, and your future premiums will likely increase.
Health Insurance
The medical and health insurance claims process can be hard to navigate, but we know how to get you the compensation you deserve. Whether you need treatment for a condition or are a victim of medical negligence, we’ll make sure your claim is settled.
The claims process often involves gathering medical reports and second opinions from specialists. Ultimately, we want to get you the money you deserve and do everything we can to negotiate on your behalf.
Business Insurance
There are many reasons for filing a business insurance claim, including damage caused by natural disasters and thefts, or you might have to claim due to employer negligence. These claims often cost insurance companies more, so contacting us as soon as possible ensures you get the support you need.
Our public adjusters will work overtime to get you the liability insurance payment you deserve, including ensuring you have the relevant information and negotiating with the provider until you get the best settlement offer.
Get in touch
Contact us today for more information on how we can assist you
FAQs
How do public adjusters help with insurance claims in New York?
Public adjusters support you with multiple types of insurance claims. For example, if your policy covers health care services, property restoration, business losses, or damaged personal belongings, you have the right to access financial assistance.
However, even though you might qualify for compensation, many insurers will attempt to reduce your payments.
Our public adjusters are highly experienced in handling insurance claims of all scales. We document any damage, review your policy, and do everything possible to ensure you receive the maximum payment allowed under your plan.
What happens during the public adjusting process?
We follow a set process when supporting residential and commercial property owners with their insurance claims:
- Initial Consultation: When you contact us, we’ll visit your site to assess the damage and review your insurance policy.
- Documentation and Claim Valuations: Once your adjuster has documented all evidence of damage, they’ll calculate how much it will cost to repair/replace items.
- Submitting Your Claim: We’ll create a detailed claim document for your insurance provider, outlining the damage and payment.
- Negotiation: Your public adjuster will negotiate directly with the insurance company, advocating on your behalf.
- Settlement: Once we secure a fair compensation payment, we’ll take our fees out of your settlement.
What if my claim is denied?
We’ll always try to secure payment for you, but understand that the cost of our services might be a concern. Here’s the thing: we don’t receive any fees unless you receive a payment from your insurance company. So, there’s no need to worry about your income and paying out of pocket.
How long does it take to make a property or health insurance claim in New York?
It depends on multiple factors. For example, most insurers have to acknowledge your claim within 15 days of submitting it. If it’s a relatively simple claim, you should receive payment within 2 to 4 weeks.
For property insurance claims, the adjuster will need to visit your property to confirm the damage and review your documentation. Our adjusters will meet them on site to discuss the damage and repair costs.
Some claims can be difficult to resolve when both parties fail to agree on a payment. In these cases, it might take a few months to settle. However, we’ll support you through the entire process and file a complaint or appeal if needed.