How the Claim Process Works
How we work on a denied, delayed or underpaid homeowners claim, from first review to resolution.
Most homeowner claim disputes are resolved through documentation, negotiation and, where needed, appraisal. Here is what working with us looks like, step by step.
Step by Step
Free claim review
Send us your denial letter, the insurer's estimate or a short description of the claim. An attorney reviews it at no cost and follows up to talk through your options.
Policy and claim analysis
We get a complete copy of your homeowners policy and review the declarations, coverages, endorsements, exclusions and conditions alongside the insurer's letters and estimate.
Documenting the full loss
We help gather what proves the claim: photos, plumber and contractor reports, independent estimates, contents inventories and receipts for living expenses.
Responding to the insurer
We prepare a written response to the denial or underpayment that explains, with evidence, why the policy covers the loss and what a proper repair costs.
Negotiation and appraisal
We negotiate directly with the carrier. When the disagreement is about the amount of loss, many New York policies allow appraisal, a process designed to set the value of the claim.
Resolution
Our goal is payment of what your policy owes, including the dwelling, other structures, contents and additional living expenses. Results depend on the policy and the facts of each claim, and no outcome can be guaranteed.
What You Will Need
- Your homeowners policy, or the policy number and insurer's name
- Any denial, partial denial or reservation-of-rights letters
- The insurer's estimate and any estimates from your contractors
- Photos and videos of the damage
- Receipts for emergency repairs and living expenses
Don't have everything? That's fine. Start with what you have and we will help with the rest.
We help homeowners in every town, village and hamlet on Long Island, plus Queens, the rest of New York City and all of New York State.
Claim Process FAQs
How long does the process take?
It depends on the size of the loss, how far along the claim is and how the insurer responds. Some claims are resolved in weeks; larger or more contested losses can take months. We keep you informed at every step.
Do I need to stop talking to my adjuster?
Once we represent you, we can handle communications with the insurer so nothing is said or signed that could hurt the claim. Until then, keep communications in writing where possible.
What does it cost?
The initial review is free. Contingency fee arrangements, where our fee comes from the recovery, are available in many matters. We explain fees clearly before any engagement.
Can you help if I already have a public adjuster?
Yes. We can work alongside a licensed public adjuster you have already hired, especially when coverage is disputed, the claim is denied or an Examination Under Oath is requested. We are attorneys, not public adjusters, and we explain how our role differs from the adjuster's before you decide anything.