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
4.9 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.
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.
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 R.
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 T.
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 P.
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 M.
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 K.
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 S.
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 L.
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 W.
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 R.
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 T.
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 P.
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 M.
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 K.
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 S.
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 L.
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 W.
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 R.
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 T.
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 P.
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 M.
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 K.
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 S.
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 L.
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 W.
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