What if my claim is denied?

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.

Do I have to use your services for my insurance claim?

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.

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.

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24/7 Response IICRC Certified Direct Insurance Billing

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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.

Coverage review

We review your declarations page and identify which coverages apply — water damage, sewer backup, ordinance/law, additional living expenses.

Claim filing

We file on your behalf or walk you through filing. Keep documentation of the cause — photos, timestamps, receipts.

Adjuster meeting

We meet the adjuster on-site and walk the damage together. Our scope goes in before the adjuster writes their estimate.

Negotiation

When the adjuster's estimate comes in low (it often does), we supplement with documented line-items and photographs.

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.

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.

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.

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. Guaranteed.

1,800+

Jobs since 2011

60m

On-site response

24/7

Line always answered

(631) 641-5582

or fill out the dispatch form

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Five fields. Truck rolls in under 60 minutes.