Burst Pipe Response
Levittown, Nassau
Burst pipe under kitchen sink flooded 800 sq ft of first floor. Extracted water, removed kick plates, set up 6 air movers and 2 LGR dehumidifiers. Direct billing with Allstate.
Water Damage Insurance Claims
Direct billing. No out-of-pocket until settlement.
Direct insurance billing is the single most valuable service we offer. When water damage hits, the last thing a homeowner wants to worry about is paying a contractor up front while waiting for an insurance check that might take weeks. We bill your carrier directly, negotiate the Xactimate line-items with your adjuster, and you pay your deductible at settlement — not before. We work directly with your insurance from the first phone call: we meet your adjuster on-site, review your policy's coverage for water and flood damage, prepare and submit the Xactimate estimate on your behalf, and handle all documentation the adjuster needs to process your claim. Carriers we bill direct include Allstate, State Farm, GEICO, USAA, Travelers, Liberty Mutual, Nationwide, Farmers, Amica, and Chubb — along with every major regional carrier writing policies in Nassau and Suffolk County. For 24/7 insurance claims support on Long Island, call our dispatch line at any hour — we coordinate your adjuster meeting and get your claim moving the same day.
24/7 Response IICRC Certified Direct Insurance Billing
Request Dispatch
Truck in under 60 min
What We Do
The insurance claims playbook.
Every job follows the same checklist. No shortcuts, no improvisation, no "we'll see how it goes."
- 1
File your claim on your behalf with the carrier (optional — you can also file yourself)
- 2
Document the loss with photos, moisture readings, and written scope
- 3
Prepare the Xactimate estimate and submit directly to the adjuster
- 4
Negotiate line-items and supplement requests when the initial estimate is low
- 5
Bill the carrier directly — you pay only your deductible at completion
- 6
Escalate with your agent or the carrier's claims department when necessary
Our Process
From your phone call to a dry, documented home.
01
Coverage review
We review your declarations page and identify which coverages apply — water damage, sewer backup, ordinance/law, additional living expenses.
02
Claim filing
We file on your behalf or walk you through filing. Keep documentation of the cause — photos, timestamps, receipts.
03
Adjuster meeting
We meet the adjuster on-site and walk the damage together. Our scope goes in before the adjuster writes their estimate.
04
Negotiation
When the adjuster's estimate comes in low (it often does), we supplement with documented line-items and photographs.
05
Settlement
Carrier pays us directly via EFT. You pay your deductible on completion. No money out of pocket during the job.
Pricing
Insurance claim handling is included in every job we do — not a separate charge. We make our money on the work, not on the paperwork. The homeowner benefit is a properly-negotiated claim at no additional cost.
Who it's for
Any homeowner with a water loss and an active homeowners policy. Also: homeowners whose claim was denied or underpaid and needs a professional advocate.
Insurance
We are NOT public adjusters (licensed advocates who represent the homeowner exclusively). We are contractors who know the claims process cold and bill direct. If your claim needs a licensed advocate, we will refer you.
Recent Dispatches
Recent insurance claims jobs on Long Island.
Basement Flooding
Garden City, Nassau
Basement flooding after heavy rain. 4 inches of water, pumped out in 2 hours, full structural drying over 5 days. Moisture readings verified dry. GEICO claim handled.
Appliance Flood
Massapequa, Nassau
Washing machine supply line failed overnight. Extracted 200 gallons from laundry room and adjacent hallway. Contents manipulation, drying chamber setup.
Sewage Cleanup
Hicksville, Nassau
Sewage backup in finished basement. Full Category 3 protocol — biohazard cleanup, antimicrobial treatment, affected materials hauled. Family relocated 72 hours.
Roof Leak Drying
Plainview, Nassau
Slow roof leak over master bedroom discovered during ceiling repaint. Cut containment, dried structure, coordinated with roofer for permanent fix.
Burst Pipe Response
Syosset, Nassau
Frozen pipe burst in wall cavity second floor. Cut drywall, extracted, set up 3 air movers in the wall cavity. State Farm direct billing. 4-day cycle.
Questions
Common questions about insurance claims.
All major NY carriers: Allstate, State Farm, GEICO, Travelers, USAA, Liberty Mutual, Nationwide, Farmers, Amica, Chubb, and dozens of regional carriers. If your carrier is on the list, we bill direct.
Depends on why. Wear-and-tear denials can sometimes be appealed with the right documentation. Flood vs. water damage disputes require a closer look. We help identify what is worth appealing and refer to a licensed public adjuster when needed.
No. You can use any contractor. But carriers pay for 'like kind and quality' of work, and we make sure the estimate reflects what your home actually needs — not just what the adjuster's software spits out.
Yes. Our dispatch line is live 24 hours a day, 7 days a week — including holidays. When you call at 2am with a water loss, we are not just dispatching a truck: we are also starting the insurance documentation process. We photograph the loss on arrival, log moisture readings, and record cause-of-loss information before your adjuster even schedules a visit. For Long Island homeowners dealing with insurance claims at any hour, call our 24/7 line and we handle the claim process from the first call forward. Direct billing with all major NY carriers means no out-of-pocket until your claim settles.
We meet your adjuster on-site and walk the damage together — our scope of work goes into the adjuster's file before they write their estimate. This matters because adjusters use Xactimate software that defaults to low line-item values unless the contractor documents scope items individually with photos and measurements. We supplement low estimates with documented line-items, and we escalate with the carrier's claims department when needed. For Nassau and Suffolk County homeowners, the adjuster coordination step is often the difference between a claim that fully covers the loss and one that leaves you short.
24/7 Emergency Dispatch
Water damage does not wait. Neither do we.
Call the 24/7 dispatch line or send the form. Truck rolls to your driveway in under 60 minutes across Nassau & Suffolk County.
Trucks deployed in under 60 minutes.
1,800+
Jobs since 2011
60m
On-site response
24/7
Line always answered
(631) 641-5582
or fill out the dispatch form
Request Emergency Dispatch
Five fields. Truck rolls in under 60 minutes.