Home / Learn / The NY Insurance Claim Process
You file the claim — it’s one phone call to your carrier. Before that, we inspect and photograph the damage and give you a written, itemized estimate; after it, we can meet the adjuster on your roof. Your insurance company decides what’s covered. In New York, no contractor may negotiate your settlement, waive your deductible, or promise approval.
Copper is where we work. Navy is your call. Gray belongs to your insurer.
Straight talk on insurance claims. We inspect, photograph, and document the damage, and we give you a written, itemized estimate you can hand to your insurer — and we can meet your adjuster on the roof. Your insurance company decides what’s covered. We don’t negotiate settlements — by New York law only a licensed public adjuster or attorney can represent you in a claim. We never pay, waive, or absorb deductibles (New York GBL §771-b makes that insurance fraud), and no contractor can promise your claim will be approved.
A claim built on “the roofer said so” goes nowhere. A claim built on slope-by-slope photos and an itemized scope gets decided on complete information.
Wondering what qualifies as storm damage? Start with what hail damage looks like.
In New York, waiving or hiding a deductible is insurance fraud — and it’s how storm-chasing outfits operate. A legitimate contractor documents honestly and lets the facts carry the claim.
More on storm-damage inspections: our storm damage page →
We inspect, photograph, and prepare an itemized estimate you can submit, and we’ll meet your adjuster on the roof so nothing gets missed. Your insurer decides coverage. Under New York law we don’t negotiate settlements, don’t waive deductibles, and never promise approval.
It’s a red flag. In New York, waiving or hiding a deductible is insurance fraud, and “free roof” pitches are how storm-chasing outfits operate. A legitimate contractor documents the damage honestly and lets the facts carry the claim.
No. In New York you choose your own contractor. Your insurer decides what’s covered and for how much — who does the work is your call.
It depends on your carrier and policy — ask your agent before filing. Claims from a widespread storm event are typically treated differently than one-off claims, but that’s a question your insurer answers, not us.
You can ask your carrier for a re-inspection, hire a licensed public adjuster to represent you, or pay for the work out of pocket — our estimate stands either way. New York law also gives you the right to cancel a storm-repair contract within three business days of a written denial.
Whether or not you ever file, the photos and written estimate are yours to keep — and if the damage doesn’t justify a claim, we’ll tell you so.
Free inspection, photo documentation, written estimate — the honest starting point for any claim decision.
