Fire Damage
$186,000 → $600,000+
A major residential fire where the first estimate focused on visibly burned rooms but missed widespread smoke, structural and reconstruction damage.
Read the full fire claim story
Long Island Public Adjusters
It's How You Settle Your Insurance Claim
When disaster strikes your Long Island home or business, you need an advocate who knows how to fight for the settlement you deserve.
10,000+ Claims Settled
$1B+ in Total Claim Payouts
Nassau & Suffolk Counties
No Fee Unless You Win
5.0 Stars
Client Rating
Our Services
How We Help Long Island Property Owners
From fire damage to denied claims, we handle every aspect of your insurance claim so you can focus on what matters most.
Who Handles Your Claim
Meet Kevin Godfrey, Your Public Adjuster
You work with me directly — not a call center. I've spent 22+ years on property claims, and I personally handle the inspection, the estimate and the negotiation with your insurance company.
- NY Licensed Public Adjuster, License PA-1156995
- 22+ years handling property claims
- Office in Smithtown, serving Nassau, Suffolk and NYC
What Happens After You Call
- 1
Free claim review
Call or send your policy and the insurer's estimate. We tell you honestly whether we can add value.
- 2
Inspect and document
We inspect the property — thermal imaging on every water and fire job — and photograph and measure everything.
- 3
Build the full claim
A line-item Xactimate estimate for the building and a room-by-room contents list, priced at real Long Island costs.
- 4
Negotiate to settlement
We handle the insurer, adjusters and paperwork until the claim is settled. You pay only from what's recovered.
Building + Contents
We Handle the Building Claim and Build Your Contents List
Most homeowners lose money on contents because no one has time to list every damaged item. We handle both sides of the claim, so nothing gets left out.
Building claim: full scope of walls, floors, cabinets and hidden moisture, priced at real Long Island rates and negotiated with your insurer.
Contents inventory: a room-by-room list of damaged belongings at replacement cost, built with our inventory service kevin.co.
Free Checklist
What to Do in the First 24 Hours After Property Damage
The first day decides how much of your claim you can prove. Follow these eight steps before the insurance company's adjuster arrives.
- 1
Make it safe
Shut off water, gas or power at the source if it's safe. Leave the home if there is fire, structural or electrical risk.
- 2
Photograph everything first
Wide shots of every room and outside wall, then close-ups — before any cleanup, tarping or tear-out.
- 3
Stop further damage
Tarp, board up or extract water. Your policy requires it, and the cost is part of the claim. Keep every receipt.
- 4
Keep damaged items
Don't throw out flooring, contents or materials until they're photographed and listed. They are your evidence.
- 5
Report the loss — but don't give a recorded statement yet
Give the insurer the date and type of loss. Hold off on recorded statements and guessing about cause.
- 6
Don't sign anything from the insurer's adjuster
Don't accept the first estimate or sign a release on day one. Early estimates routinely miss hidden damage.
- 7
Track your extra living costs
Hotel, meals and travel above your normal spending are usually covered under Additional Living Expense.
- 8
Get a free claim review
Call a licensed public adjuster before the insurer's inspection so your side of the damage is documented too.
Why Choose Us
Long Island's Trusted Public Insurance Adjusters
When you file an insurance claim, the insurance company sends their adjuster to protect their interests. A public adjuster works exclusively for you, ensuring you receive the maximum settlement for your claim.
Licensed & Experienced
Fully licensed public adjusters with decades of experience handling Long Island property claims.
Your Advocate, Not Theirs
Unlike insurance company adjusters, we work exclusively for you — never the insurance company.
Thorough Documentation
We meticulously document every aspect of your damage to ensure nothing is missed in your claim.
No Upfront Fees
We work on contingency. You pay nothing unless we successfully settle your claim.
Proven Results for Long Island Homeowners
Our track record speaks for itself. We've helped thousands of property owners get the settlements they deserve.
10K+
Claims Settled
22+
Years Experience
$0
Upfront Cost
24/7
Emergency Service
From the Field
The First Estimate Is Rarely the Whole Claim
A carrier's first estimate is often just the starting point. Hidden damage, missing scope, incorrect quantities and incomplete repair methods can change the value of a claim dramatically.
Underpaid Claim
$68,000 → $224,000
A line-by-line review uncovered missing quantities, incomplete repairs, overlooked rooms and work required to restore the property.
Read the full underpaid claim storyWater Damage
$18,600 → $74,000
A supply-line loss became substantially larger after hidden damage and the complete repair sequence were documented.
Read the full water damage storyDenied Claim
Denied → $310,000
Additional evidence and a reconstructed timeline corrected the incomplete assumptions behind the original coverage decision.
Read the full denied claim storyReal claim examples from Kevin Godfrey's files. Details are anonymized; every claim is different, and past results don't guarantee future outcomes.
Local Proof
Where We've Settled Claims on Long Island and in NYC
Kevin has personally settled claims in each of these communities — and hundreds more claims across the towns and hamlets in between.
Hurricane Sandy: 312 claims settled
After Sandy we settled 312 claims in the hardest-hit South Shore towns, and served as the town public adjuster for Island Park, handling many of its homeowners' claims.
- Atlantic Beach
- Babylon
- Bellerose
- Bethpage
- Breezy Point
- Brookhaven
- Brooklyn
- Calverton
- Commack
- Coram
- Deer Park
- Dix Hills
- East Hampton
- Elmont
- Farmingdale
- Fire Island
- Floral Park
- Franklin Square
- Garden City
- Glen Cove
- Great Neck
- Head of the Harbor
- Huntington
- Island Park
- Kings Park
- Lindenhurst
- Mastic
- Montauk
- Plainview
- Port Jefferson
- Port Washington
- Queens
- Quogue
- Remsenburg
- Riverhead
- Rockville Centre
- Rocky Point
- Sagaponack
- Selden
- Shelter Island
- Smithtown
- Southampton
- Southold
- Stony Brook
- Water Mill
- West Islip
- Westhampton
- Westhampton Beach
- Yaphank
Frequently Asked Questions
Get answers to the most common questions about working with a public adjuster.
Should I call a public adjuster before my insurance company?
Yes. Calling us first ensures your claim is filed correctly from day one, preventing errors that insurers use to underpay claims later.
How much does a public adjuster charge?
We work on a contingency basis (no upfront fees). We only get paid a small percentage of the final settlement. In NYS the maximum fee a Public Adjuster can charge is 12.5% however most claims are handled in the 8-10% range.
Will my insurance premium go up if I hire you?
No. Hiring a public adjuster is your right and does not trigger rate increases. Rates typically rise based on claim frequency or regional risk, not professional representation.
Service Areas
Serving All of Long Island
From Montauk to the Queens border, we help property owners throughout Nassau and Suffolk Counties with their insurance claims.
Suffolk County
Eastern Long Island
Nassau County
Western Long Island
Testimonials
What Our Clients Say
Don't just take our word for it. Hear from Long Island homeowners who trusted us with their insurance claims.
"After a devastating fire, we were overwhelmed. Long Island Public Adjusters handled everything with the insurance company. They got us 40% more than the initial offer."
Michael Rakowski
Huntington, NY
"Our basement flooded and the insurance company tried to lowball us. Kevin and his team documented everything and fought for every dollar. Highly recommend!"
Sarah Truley
Smithtown, NY
"Professional, responsive, and truly advocates for their clients. They made a stressful situation so much easier to handle. Worth every penny."
James & Linda Perci
Hempstead, NY
"Hurricane damage left our home in shambles. The insurance company's first offer was insulting. LIPA stepped in and we ended up with triple the original settlement."
Robert Mandel
Babylon, NY
"I was skeptical at first, but they proved their worth immediately. Thorough documentation and relentless negotiation. They truly fight for their clients."
Patricia Kawakowski
Oyster Bay, NY
"After our claim was denied, we thought we had no options. Long Island Public Adjusters reopened our case and got us the full payout we deserved."
David & Maria Berg
Riverhead, NY
"From start to finish, they handled everything professionally. No stress on our end. The settlement exceeded our expectations by a significant margin."
Jennifer Lynn
Garden City, NY
"Water damage from a burst pipe caused chaos. Their team responded within hours and managed the entire claim process. Outstanding service and results."
Thomas Wright
Islip, NY
"After a devastating fire, we were overwhelmed. Long Island Public Adjusters handled everything with the insurance company. They got us 40% more than the initial offer."
Michael Rakowski
Huntington, NY
"Our basement flooded and the insurance company tried to lowball us. Kevin and his team documented everything and fought for every dollar. Highly recommend!"
Sarah Truley
Smithtown, NY
"Professional, responsive, and truly advocates for their clients. They made a stressful situation so much easier to handle. Worth every penny."
James & Linda Perci
Hempstead, NY
"Hurricane damage left our home in shambles. The insurance company's first offer was insulting. LIPA stepped in and we ended up with triple the original settlement."
Robert Mandel
Babylon, NY
"I was skeptical at first, but they proved their worth immediately. Thorough documentation and relentless negotiation. They truly fight for their clients."
Patricia Kawakowski
Oyster Bay, NY
"After our claim was denied, we thought we had no options. Long Island Public Adjusters reopened our case and got us the full payout we deserved."
David & Maria Berg
Riverhead, NY
"From start to finish, they handled everything professionally. No stress on our end. The settlement exceeded our expectations by a significant margin."
Jennifer Lynn
Garden City, NY
"Water damage from a burst pipe caused chaos. Their team responded within hours and managed the entire claim process. Outstanding service and results."
Thomas Wright
Islip, NY
"After a devastating fire, we were overwhelmed. Long Island Public Adjusters handled everything with the insurance company. They got us 40% more than the initial offer."
Michael Rakowski
Huntington, NY
"Our basement flooded and the insurance company tried to lowball us. Kevin and his team documented everything and fought for every dollar. Highly recommend!"
Sarah Truley
Smithtown, NY
"Professional, responsive, and truly advocates for their clients. They made a stressful situation so much easier to handle. Worth every penny."
James & Linda Perci
Hempstead, NY
"Hurricane damage left our home in shambles. The insurance company's first offer was insulting. LIPA stepped in and we ended up with triple the original settlement."
Robert Mandel
Babylon, NY
"I was skeptical at first, but they proved their worth immediately. Thorough documentation and relentless negotiation. They truly fight for their clients."
Patricia Kawakowski
Oyster Bay, NY
"After our claim was denied, we thought we had no options. Long Island Public Adjusters reopened our case and got us the full payout we deserved."
David & Maria Berg
Riverhead, NY
"From start to finish, they handled everything professionally. No stress on our end. The settlement exceeded our expectations by a significant margin."
Jennifer Lynn
Garden City, NY
"Water damage from a burst pipe caused chaos. Their team responded within hours and managed the entire claim process. Outstanding service and results."
Thomas Wright
Islip, NY
Get Started
Ready to Get the Settlement You Deserve?
Don't let the insurance company undervalue your claim. Call us today for a free, no-obligation consultation.
Available 24/7 for emergencies • No fee unless we win