What to know before you call your carrier — in plain terms, not adjuster jargon.
Standard NY homeowners policies (HO-3) generally cover sudden, accidental water damage — a burst pipe, an appliance failure, a roof leak from wind damage. They exclude flood damage from rising exterior water, which requires a separate NFIP or private flood policy. Most homeowners and renters insurance does not cover flood damage — per FEMA and NAIC guidance, this is one of the most common coverage gaps homeowners discover only after a loss.
Sources: FEMA, FloodSmart.gov, NAIC, Flood Insurance
Specific filing deadlines and notice requirements vary by carrier and policy — check your declarations page or ask your agent directly rather than relying on a general timeline.
We document your loss and give you a scope you can bring to any adjuster. We don't sign your claim over to ourselves through an Assignment of Benefits contract — you keep control of your own claim, start to finish. This page is general information, not legal or insurance advice; confirm specifics with your carrier or a licensed agent.
Call — we'll walk through what your documentation needs to show.