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Public Adjusters for Long Island
Champion Adjustment Co., LLC.
Public Adjuster
Glossary
Public Adjuster Glossary
Below is a New York Public Adjuster Glossary of Terms used for property damage claims, Public Adjusters and dealing with your insurance company when you suffer property damage!
General and Legal Terms
New York Public Adjuster
State-licensed claims professional hired exclusively by policyholders to evaluate and negotiate property damage claims.
Staff Adjuster
Salaried employee of the insurance company sent to evaluate your claim from the insurer’s perspective.
Independent Adjuster
Third-party contractor hired by the insurance company to handle your claim, usually during high-volume events like hurricanes.
First-Party Claim
Insurance claim filed directly by the policyholder against their own insurance policy.
Letter of Authority (Retainer)
Legal document you sign giving the New York Public Adjuster permission to speak and negotiate with your insurance company.
Fees and Financials for New York Public Adjusters
Contingency Fee
Standard New York fee structure where the public adjuster is paid a percentage. The maximum a New York Public Adjuster can charge is 12.5 percent. They only get paid if you collect.
New York Retainer Agreement
Contract detailing the services the public adjuster will perform and the exact fee structure you agree to pay.
Supplemental Claim
Request filed for additional insurance funds after finding hidden or overlooked damage during repairs.
Underpaid Insurance Claim in New York
Claim where the insurance company offered a settlement, but the payout is legally or factually insufficient to cover the actual repairs.
Valuation and Negotiation as a New York Public Adjuster
Xactimate
Industry-standard estimation software used by both public adjusters and insurance companies to calculate repair costs based on local material and labor rates.
Proof of Loss
Sworn statement documenting the exact scope and financial value of the damage, which a public adjuster prepares and signs with you.
Scope of Work (Property Damages)
Detailed itemization of all materials, labor, and steps required to restore the damaged property to its pre-loss condition.
Appraisal Clause
Policy mechanism used when negotiations stall; your public adjuster and the insurer’s adjuster each hire an independent appraiser to resolve the value dispute.
Looking for a local and experienced Long Island Public Adjuster,
Public Adjuster for Long Island are the ones to call!
Your experienced Long Island Public Adjuster will take care of all your
property damage claims for you!
Public Adjuster for Long Island for all your property damage claims with over 40 years of combined experience!
Did you incur property damage, residential or commercial?
Call us now!
FREE
CONSULTATION
Call 1-516-499-7502
for your FREE review of your
property damages and
your insurance policy.
NO RECOVERY,
NO FEES
What are some of the first things you need to do when you incur any type of property damage?
Your obligation as the insured is to secure the premises and mitigate the damages.
Next if you can take pictures and video of all the damages.
If it’s a water damage loss, you should call a Licensed Plumber.
You need to call your carrier to inform them about the property damage.
This is where you should consider using Public Adjuster Long Island. One of the services we provide is to call in the claim for you to make sure it’s presented properly to your insurance company.
At this point you need to start thinking about mitigating the damages.
Another item, we can help you with, if the property is not livable is finding temporary housing.
If it’s a commercial loss you can think about how long my property will not be usable and we can find a temporary space to work out of.
As Public Adjusters we can help with all of your New York and Long Island Insurance Claims.
We are New York State Public Adjusters handling residential, commercial, industrial and retail property damage insurance claims through-out the New York area.
We are considered one of the best
Public Adjusters with over 40 years of combined experience,
Call us for a FREE review of your property damage insurance claims!
Residential
Commercial
Industrial
Business Owner
Renter / Tenant
Condo/Co-op Owner
Nassau County
Suffolk County
Queens County
Bronx County
Manhattan
Brooklyn
Westchester County
Staten Island
Why do people choose Public Adjuster for Long Island:
1. Qualified experienced Public Adjusters are property insurance experts. People realize that if the playing field is to be leveled they need an expert on their side to counter the significant resources of the insurance company. Because of our expertise, we get results for policyholders: Consistant, dramatic, measurable results (references available upon request). We offer a free consultation to review your property insurance claim with you.
2. Our Public Adjusting company only charges a fee based on what we actually receive for you. There is no upfront or out-of-pocket expenses to hire us….ever. With that in mind, you have nothing to lose and everything to gain by putting your trust in our hands. So bottom line is, we only get paid after you get paid.
3. Peace of mind by allowing Public Adjuster Long Island to represent you. We relieve you of the aggravation and stress that cripples so many disaster victims. We handle all aspects of the recovery phase so you can get on with your lives., keep your sanity and get the compensation that you deserve. Yes, believe it or not your insurance company will do whatever they can to delay paying, trying not to pay you at all.
For every natural disaster involving claims with an insurance company, there are thousands of MAN MADE disasters that can potentially devastate homeowners and businesses.
If you think buying insurance and being a policyholder (even from top rated Insurance Companies with catchy slogans and cute commercials) means that you’re covered……
THINK AGAIN
Maybe this is your first claim or even second or third and you think you know it all by now.
Guess what, it is the Insurance Company’s millionth & first claim just in the last year.
Don’t let your Insurance company come up short when it comes to your property Insurance claim. We have the years of experience as Public Adjusters to make sure your property claim gets resolved as quickly as possible and with the maximum amount of settlement that you deserve.
Public Adjuster for Long Island is considered one of the best Public Adjusters on Long Island.
Your Long Island,
New York
Public Adjusters. Call us now for a FREE review of your property claim.
We work for the public, not the insurance companies. Don’t be underpaid for your property insurance claim, call us now!
Your Long Island, New York Public Adjusters.
Want one of the best Public Adjusters?
Call us now for your property damage insurance claims.
We work for the public; we never work for the insurance companies.
Don’t be underpaid for your property insurance claim, call us now!
If you suffer flooding from surface water, you should go to FEMA.com for additional help.
For additional information for New York State flooding, disasters and property damage insurance claims go to Disaster and Flood Recovery | Department of Financial Services
If your Property Damage Claim is in Nassau County, Suffolk County, Queens County, The Bronx, Brooklyn, Manhattan, Staten Island or Westchester County call us now
at 1-516-499-7502.
There is no obligation or commitment to have Public Adjuster for Long Island review your property Insurance claim
We only get paid after you get paid!
Call Long Island Public Adjusters now!
Why Choose Public Adjuster for Long Island
We handle the whole claim for you.
Network of experts to help with your insurance claim.
FREE onsite inspection and policy review.
Review of all Vendors you choose to use for your insurance claim.
Over 40 years combined experience.
Fully Licensed Professionals.
Maximum Settlements for your claim.
From the beginning to the resolution of your insurance claim we take care of the whole claim for you.
Public Adjusters for Long Island and the New York City Metropolitan area including, Nassau County, Suffolk County, Queens County, The Bronx, Brooklyn, Manhattan, Staten Island, Westchester County and North.
Your local and experienced Public Adjuster with over
40 years of combined experience.
Long Island Public Adjuster
Jericho NY 11753
@ 2026 – Public Adjuster Long Island All rights reserved, Long Island New York.