Their adjuster works for the insurer.
Ours works for you.
Fire, water, leaks, roof, and storm damage across all five boroughs. We document the loss, fight the carrier, and recover everything your policy owes — and we bring our own trusted vendors to handle the rest, start to finish.
Every kind of property loss in NYC
Residential and commercial — from a kitchen fire in a walk-up to a burst riser in a high-rise, we manage the entire claim so you never negotiate against your own insurance company alone.
Fire & Smoke Damage
Structural fire, smoke, soot, and the water damage from firefighting. We capture the full scope so nothing is left off the estimate.
Water Damage & Leaks
Burst pipes, building leaks, sewage backups, and appliance failures. We document hidden moisture before it becomes a denial.
Roof & Structural Damage
Wind-torn roofs, hail, collapse, and resulting interior damage. We make the case for full repair, not a patch.
Storm & Wind Damage
Nor'easters, hurricanes, and severe storms. We handle emergency mitigation and the full property claim together.
Mold & Remediation
Mold from unresolved water intrusion. We tie it back to the covered loss and bring in certified remediation.
Vandalism & Theft
Break-ins, vandalism, and resulting property loss. We inventory and value everything you're owed.
Business Interruption
Lost income and extra expense when your business can't operate. We build the financials carriers respect.
Denied & Underpaid Claims
Already denied or lowballed? We re-open, re-document, and re-negotiate to recover what you should have been paid.
One call. We handle all of it.
Hire us and you're not just getting a claim filed. We coordinate the entire recovery and refer our own vetted vendors for every step — so after a disaster, you make one call and we take it from there.
- 01Emergency mitigation — board-up, water extraction, and drying to stop the loss from getting worse.
- 02Licensed contractors — restoration and rebuild crews we know and trust.
- 03Contents & inventory — specialists who itemize and value damaged belongings.
- 04Engineers & experts — structural and cause-of-loss reports when the carrier pushes back.
- 05Temporary housing — coordination of additional living expenses while your place is repaired.
From damage to settlement, in four steps
You stay focused on your home or business. We run the claim.
Free inspection & policy review
We come to you, assess the damage, and read your policy line by line to find every coverage that applies.
We document the loss
Full photo evidence, inventory, and a detailed estimate the insurance company can't brush aside.
We fight the carrier
We file, push back on lowball offers, and negotiate directly with your insurer from start to finish.
You get paid
The settlement goes to you. We coordinate our vendors to put your property back together.
Hundreds of claims. Tens of millions recovered.
We've handled property claims involving the country's largest carriers — including State Farm, Liberty Mutual, Chubb, Allstate, and SageSure — and recovered tens of millions of dollars for New York property owners.
Sample results shown for illustration. Replace with your own real, anonymized case figures. Past results do not guarantee a similar outcome — every claim depends on its policy and facts.
Property owners we've fought for
Real reviews and video stories build more trust than anything else — swap these placeholders for your own.
"After our apartment fire, the insurer offered a fraction of what we needed. They reopened everything and got us nearly three times the original offer."
"A pipe burst and flooded two floors. I didn't have time to fight my insurance company. They handled every detail and I just collected the check."
"My claim was flat-out denied. They proved the cause of loss was covered and turned a denial into a full settlement."
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Serving all five boroughs of New York City
Homeowners, landlords, co-ops, condos, and commercial property owners across every neighborhood. Tap your borough for local details.
Manhattan
Brooklyn
Queens
The Bronx
Staten Island
(faces build trust — replace this block)
Built to fight for New York property owners
NYC Public Adjusting is a licensed New York firm led by Kelsey-Lamar Miller. We represent policyholders — never insurance companies — on fire, water, roof, storm, and other property damage claims throughout the five boroughs.
Over hundreds of claims, we've recovered tens of millions of dollars for our clients by documenting losses thoroughly, knowing what policies actually owe, and refusing to accept the first offer. And because we're full service, we bring our own trusted vendors from emergency mitigation through final repairs.
The result: you handle one phone call. We handle the claim.
The NYC Property Owner's Claim Survival Guide
The first hours after a loss decide how much you recover. Get our free guide before you talk to the insurance company.
- What to do in the first 48 hours
- What never to say to the insurance adjuster
- The deadlines hidden in your policy
- 5 mistakes that get claims denied
What property owners ask us
What does a public adjuster do?
How are you different from the insurance company's adjuster?
How much does a public adjuster cost in New York?
My claim was denied or underpaid. Can you still help?
Do you handle residential and commercial claims?
When should I call — before or after I file?
Had a loss? Let's talk today.
Answer a few quick questions — it takes under a minute. We'll review your situation free, with no obligation, and if we can help, we'll take it from there.
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