Insurance Damage Estimates New York
Having an insurance policy in New York gives you peace of mind that you’ll receive financial support when damage occurs. Unfortunately, this isn’t always the case. Even though you have coverage, it doesn’t guarantee that you’ll receive a payment.
Your insurance company may try to reduce your settlement offer, making it seem like an uphill struggle to get the payment you deserve. Our public adjusters provide professional insurance damage estimates that ensure you receive the payment you’re entitled to.
We handle the entire process for you from start to finish.
What Are Insurance Estimates for Property Damage Claims?
When your property suffers damage, an estimate determines the costs of repairing it and replacing personal belongings. These estimates factor in the level of coverage your policy offers and can include:
- Structural damage
- Interior repairs
- Exterior systems
- Plumbing and electrics
- Debris removal
- Repairing and replacing HVAC systems
- Replacing personal property
- Materials and labor costs
The estimate must factor in construction costs and align with building codes, instead of just surface damage.
Why You Need Professional Insurance Estimates
Depending on your policy, you can file a property damage claim for a natural disaster, a leak, or vandalism. However, making insurance claims involves presenting your case to the company and documenting the damage.
Each company uses an insurance adjuster to negotiate your claim and obtain estimates. The main problem here is that the adjuster works for your insurance provider, which means that they’ll naturally try to reduce the compensation amount.
Professional estimates from our public adjuster back up your claim and prevent you from being cheated out of a fair compensation amount. We work for you, not your insurance company.
From calculating repair estimates to personal property damage, our specialists are here to ensure that each property owner has ongoing support and an advocate in their corner.
How We Support You Through the Claims Process
Making insurance claims can be challenging and overwhelming. The insurance company’s estimate will usually be lower than you expect, but our experts help you navigate the process.
1: On-Site Inspection
Once you contact us, we’ll arrange to visit you on site. An expert will assess your property damage, including vehicle damage, structural issues, and damage to valuable items and other personal belongings.
2: Documentation
During the initial reporting stage, your independent appraiser will take photographs of the damage and, if necessary, measure moisture levels. All property claims are different, but we’re used to documenting both small and large-scale damage.
3: Scope of Loss
As one of New York’s most trusted Public Adjusters, we use industry-grade estimating software to ensure accuracy at all times.
4: Code & Compliance
When calculating repair estimates, we factor in New York building codes and law coverage when necessary.
5: Insurance Claim Support
The amount you’re entitled to depends on your policy’s coverage limits. However, if our estimate is different from the provider’s, we’ll advocate on your behalf to secure fair compensation. If you fail to reach an agreement, we may recommend seeking legal advice.
Why Work With Our Public Adjusters?
Dealing with your insurance company alone means you might need to accept a lower settlement offer or get caught up in months of negotiations.
No matter what type of damage your property experiences and its extent, we work closely with you throughout the claims process.
As one of New York’s most trusted services, our clients choose us for the following reasons, because we guarantee a professional response:
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Our insurance adjusters work for you, not the insurance company.
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We use the latest software to ensure accurate insurance estimates in New York.
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Our specialists provide ongoing support and do everything possible to secure a fair settlement.
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We don’t get paid unless you do. If you don’t receive any money from your insurance company, we won’t receive any fees.
Get in touch
Contact us today for more information on how we can assist you
Frequently Asked Questions
How are insurance damage estimates calculated in New York?
Insurance damage estimates are calculated based on losses and necessary repair costs. However, it depends on your insurance policy and coverage limits.
Our experts will visit the property, document all damage, calculate the cost to replace covered personal items, and provide an estimate.
What's the difference between a public adjuster and an insurance adjuster?
Insurance company adjusters work for the provider. For example, when the policyholder initiates a claim, the insurer will send an adjuster to your site, and they’ll calculate the damage.
The main issue with this is that the adjuster may do everything possible to reduce the value of your claim.
Public adjusters work for you. Our main objective is to secure the maximum payment possible, and we’ll fight in your corner.
Where does Lexington Public Adjusters offer services?
Our public adjusters are available for insurance damage estimates across New York state, Connecticut, and New Jersey. We also have a team available in Florida.