Put our organization to work for you

Fire, Wind, Smoke, Water Damage

Fires are devastating

New York Claims will see you through

the toughest time in your life

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Hurricane Damage

New York Claims stands ready to assist when Hurricanes and Floods damage your property

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Mold, Mildew, Asbestos

Experts in mold, New York Claims will be sure your property receives the proper attention to all forms of damage, visible or not.

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Commercial Claims

Public Adjusters must only pass an exam to get licensed. So where does their knowledge of YOUR business come from?

Experience....and we have it!

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Our Team

Expert Representation in every type of claim

Harry R. Hipper, P.A.

Harry began his career in 1979. Licensed by New York State for over 40 years, his experience is unmatched. From simple homeowner claims to the most complicated of commercial losses, Harry knows the intricacies of Any type of claim.

Anthony C. Donofrio, Esq.

As General Counsel to the firm, Anthony brings decades of experience in and out of the courtroom. A Trial Attorney by profession, his knowledge and command of the legal system will help insure a smooth settlement.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

What are the fees associated with hiring a Public Adjuster?

Fees for handling claims can vary but, New York Claims caps our fee at Ten Percent. Large losses may qualify for a fee reduction.

When should I consider hiring a Public Adjuster?

Public Adjusters can be most effective if they are retained immediately after a loss occurs. It allows them to "set the bar" which can often affect the outcome. Immediately after a loss occurs, decision are made in how a claim will be handled. If you wait until you are dissatisfied with your settlement, it will be more difficult for us to correct as time will take away the evidence and your insurance company will have "set the bar".

What happens if my Public Adjuster cannot settle my claim?

New York Claims has a 100% success rate in settled claims and satisfied clients. If however, your Public Adjuster cannot settle your claim to your satisfaction, your insurance policy gives you the right to a third party appraisal.

How long will it take to settle my claim?

What should I do if my insurance company cannot come to inspect my claim for a while?

Certain actions MUST be taken on your part. They are requirements of your policy. You have an obligation to mitigate your damages. You should document the steps taken to do this. Include photographs and invoices to prove your expenses and damages. While it is important to allow proper inspection to be done prior to repair, some things will have to be done in order to prevent further damage.

What needs to be done in preparation for my first visit?

Make sure the property will be accessible. Provide photos and invoices for any expenses incurred prior to the meeting. If available, provide any proposals you may have gotten to document the cost of future repairs. Be present at the meeting. After that, your Public Adjuster can take over the handling of your claim.

Can I throw out damaged property before my insurance company sees it?

Damaged property should never be discarded unless it stands in the way of mitigation. Document the existence of discarded property and provide reasoning for the removal of it.

When can I begin making repairs?

Certain repairs can be made prior to settling your claim but only if they are agreed upon in advance. While it is best to wait for a settlement to avoid "uncovered" expenses, your Insurance Company understands the need for timely repair and will work with you to resolve cost differences.

What happens if I dont collect enough money to make the repairs?

This should never happen and certainly not if you hire the right Public Adjuster. Be wary of contractors that charge inflated prices as these do not have to be honored by the company. Making your repairs before an agreed settlement could be a problem.

What happens if my Public Adjuster cannot settle my claim?

Will I be entitled to receive depreciation from my Insurance Company?

If you have a Replacement Cost Policy, your insurance company will deduct depreciation from your settlement and withhold it until the repairs are completed and the money is spent doing it. Depreciation, like most other aspects of your claim, is negotiable based upon the age and condition of the damaged property.

Why did my Insurance Company name my mortgage bank on the settlement check?

When you insure a property that has a mortgage on it, the Insurance Company is obligated to make any claim payments payable to them as well. Remember, as lenders, they have an interest in the repair of their collateral.

Is my Public Adjuster an expert at handling my type of claim?

Public Adjusters are licensed to handle all property damage. That doesn't make them an expert at handling yours. When you first passed your drivers test, were you able to drive any car in any situation? We are EXPERTS because we have handled thousands of claims in every kind of business. That's experience and that's what makes us different.

Talk to one today then talk to US! The difference will be clear as day!

"Settlements are the product of opinions, don't compromise."-Harry H

Welcome

Put our organization to work for you

Fire, Wind, Smoke, Water Damage

Hurricane Damage

Mold, Mildew, Asbestos

Commercial Claims

Our Team

Expert Representation in every type of claim

Harry R. Hipper, P.A.

Anthony C. Donofrio, Esq.

Frequently Asked Questions

New York Claims comes to Long Island

New York Claims comes to Long Island

New York Claims comes to Long Island

New York Claims comes to Long Island

New York Claims comes to Long Island

New York Claims comes to Long Island

Contact Us

(516) 509-7707

Free consultation

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