Homeowner Claim Guides

Plain-language guides to help New York homeowners protect their property damage insurance claims.

Stop the water, document everything, start drying, and report the claim in writing. The first 48 hours shape the whole claim.

A complete, organized claim file is the strongest tool a homeowner has. Here is what to collect and how to keep it.

Your declarations page, coverage sections, endorsements and exclusions, explained in plain language.

Missing line items, heavy depreciation, patch-only repairs and the wrong deductible are the usual culprits.

These guides are general information, not legal advice. Every policy and every loss is different.

Talk to an Attorney About Your Homeowners Claim