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New York Public Adjusters That Work For You!
100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!*
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Don’t Settle For Less!
Get The HIGHEST & Most FAIR Settlement Amount ... That You Are Legally Entitled To ... From Your Insurance Claim!
Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!
Work with highly trained & vetted New York public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!
Public Claims Adjusters Network (PCAN) member public claims adjusters in New York offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.
Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.
They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).
Consultations are always:
- Friendly
- Free
- No-Obligation
- 100% contingency-based In Nearly Every State
… meaning your public adjuster doesn’t get paid, unless you get paid!*
PCAN public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified New York public claims adjusters today!
*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.
Request A Free Consultation!
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*Some Services May Not Be Available In All Areas. Contingency fees are not permitted by law in Louisiana. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified public adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the New York community, to ensure the highest quality of service & care.
Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!
Contingency Based. We don’t get paid, unless you get paid!
*Contingency fees not permitted by law in Louisiana.
Why Hire A Public Claims Adjuster In New York?
New York Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!
Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert New York Public Claims Adjuster Members Today!
- Save You Time & Help Speed Up The Claim Process
- Help Alleviate Stress & Walk You Through The Whole Process
- Negotiate With The Insurance Company & Make Sure You Get The Highest Settlement Possible*
- Prepare & File All The Necessary Documents, And Handle All The Necessary Follow-up's
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
What Our Network Of Licensed New York Public Insurance Adjusters Bring To The Table
New York Insurance Policy Claims Specialists
PCAN member public insurance adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in New York. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.
Advocates For New York Homeonwers Insurance Policy Holders
PCAN member public adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!
Experts In Seen & Unseen Damages
PCAN member public insurance adjusters in New York have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.
Expert Claims Negotiators
Settlement negotiation is critically important when it comes to the claims process. Public adjusters in New York know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public claims adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
The Homeowners Insurance Claims Recovery Process In New York
New York state-licensed public adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!
View 7-Step Claims Recovery Process Map
(Click To Expand Infographic)
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Frequently Asked Questions (FAQ) About New York Public Adjusting
What Are New York Public Adjusters, & What Do They Do?
New York Public adjusters are licensed insurance professionals who work independently to defend policy holders during the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) they are professionals act as advocates for homeowners and ensure their rights are secured when working with insurance companies..
The role of public adjusters has become more significant in recent times, specifically because insurance claims are becoming more complicated. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) found that policyholders who used public adjusters received settlements that were up to 800% more over those who managed claims on their own.
Public adjusters provide comprehensive services throughout the claim process. They conduct thorough assessments of the damages, and prepare and file all necessary documentation, and handle all communication with insurance companies. This kind of professional assistance significantly cuts down the amount of time and anxiety associated with filing claims which allows policyholders to concentrate on recovery.
Based primarily on a contingency fee basis that typically range from 10% to 20 percent of the settlement, public adjusters are incentivized to secure the maximum possible compensation for their clients. The fee structure differs according to the complexity of the claim state regulations, as well as the resources required.
They have extensive understanding of insurance policies, and building codes, as well as construction costs. They apply this knowledge to:
- Expedite the claims process
- Document and evaluate the extent of damages
- Navigate complex policies
- Directly negotiate with insurance carriers
- Be sure to comply with filing deadlines and other policy requirements
Research has clearly shown that professional representation during the claim process usually results in more comprehensive settlements and quicker resolution of claims. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common pitfalls that could otherwise slow or hinder settlements.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Will My Settlement Be Larger If I Hire A New York Public Adjusting Company?
Industry research and industry analysis show the hiring of a public insurance adjuster can substantially increase policyholder settlements for claims. According to groundbreaking study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who employed public adjusters received settlements as high as 800% higher than those who dealt with claims themselves.
Public adjusters in Albany, New York serve as licensed professionals who exclusively represent policyholders throughout the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals offer comprehensive claim management services, including precise documents for property damage, policy interpretation, as well as settlement discussions with insurance carriers.
The importance of a professional representation is evident in final settlement figures, as professionally managed claims typically result in more thorough damage assessments and more accurate estimates of losses.
Public adjusters streamline the claims process by:
- Handling all documentation and correspondence with insurance companies
- Conducting detailed assessments of property damage
- Preparing comprehensive claim submissions
- Negotiating directly with insurance carriers
- Expediting the settlement timeline
- Ensures compliance with policy specifications and deadlines
Most public adjusters work on a basis of contingency fees, that typically range between 10% and 20% of the final settlement amount. The fee structure is aligned with the interests of the adjuster with the policyholder’s, as their compensation is contingent upon securing a favorable settlement.
A Public adjuster’s expertise often proves invaluable in complex claims scenarios, where technical knowledge of building codes, construction costs, and insurance policy provisions can have a major impact on settlement outcomes.
Their expertise and oversight ensure that no insured damages are left unnoticed and ensures that claims are properly valued according to current market conditions.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
How Much Do New York Public Adjusters Charge?
Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements.
Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.
A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Is It Too Late To Hire A New York Public Adjuster?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a New York public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.
Key timing considerations include:
Statute of Limitations:
- Each state maintains different deadlines for filing insurance claims
- Claims must be initiated within these legal timeframes
- Public adjusters can assist with existing claims, even if initially filed independently
Documentation Requirements:
- Public adjusters help organize and prepare comprehensive claim documentation
- They can recover or reconstruct missing documentation
- Professional documentation improves claim validity and settlement potential
Claim Status:
- Active claims benefit from professional representation
- Denied claims may be reopened with proper documentation
- Disputed settlements can be renegotiated
Public adjusters provide valuable services throughout the claims process Including:
- Expedited claim processing through professional management
- Expert negotiation with insurance carriers
- Complete documentation preparation and submission
- Regular communication with insurance companies
- Stress reduction through professional claim handling
- Maximum settlement potential through experienced representation
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Should You Hire A Public Claims Adjuster In New York?
Complex insurance claims typically require expert knowledge to effectively navigate. Public insurance adjusters, state-licensed professionals who only work on behalf of policyholders, can have a significant impact on the outcome of claims and settlement amount.
Several scenarios require the use of a public adjuster:
- Extensive property damage
- Claims that involve multiple types of coverage
- Disputed claims or partial claim denials
- Complex requirements for documentation
- Situations that are time-sensitive and require immediate attention
Public adjusters streamline the claims process by:
- Conducting comprehensive damage assessments
- The preparation and filing of all documentation required
- Communication with insurance companies
- Negotiating settlements on behalf of policyholders
- Ensuring compliance with the policy guidelines and deadlines
Public adjusters particularly benefit policyholders by:
- Reducing stress by utilizing expert claim management
- Expediting settlement processes
- Giving an objective assessment of damage
- Ensuring comprehensive documentation
- Leveraging industry knowledge for fair settlements
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can I File My Insurance Claim Myself In New York?
While policyholders have the right to make insurance claims on their own, data from industry experts suggest that this approach may not yield optimal results.
The main challenges with self-filing include:
- Complex documentation requirements and policy interpretation
- Time-intensive communication with insurance representatives
- Risk of overlooking covered damages or benefits
- Potential undervaluation of claims by insurance companies
- Limited-to-zero negotiation experience with insurers
Licensed public adjusters have important advantages to the process of settling claims:
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- Professional Documentation and Assessment – Public adjusters thoroughly document damages, and prepare complete claims files, and manage all necessary paperwork, ensuring that nothing is missed.
- Time and Stress Management – These professionals manage all communication with insurance companies so that homeowners can focus on recovery while expediting the claims process.
- Expert Negotiation – With a vast understanding of regulations and rules governing insurance policies, public adjusters deal directly with insurance companies to secure fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency fee basis, typically ranging between 10-20% of the final settlement amount, which ensures alignment with the policyholder’s interests.
The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent policyholders’ interests during the claims process. Their expertise can be particularly beneficial in complex claims or when significant damages are involved.
Statistics from the industry demonstrate that expert representation by state-licensed public adjusters leads to better outcomes for policyholders, with quicker processing times, and more complete settlement packages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
In New York, Can My Contractor Represent Me Against My Insurance Company?
While many contractors offer the opportunity to negotiate with insurers, this method can come with some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack know-how to act as official representatives for insurance claim negotiations.
This limitation could greatly affect the outcome of a claim and may compromise your rights as a owner of the policy.
Departments of insurance in each state oversee licensed public adjusters, who undergo extremely specialized training, undergo Federal background checks, and require specialized licensing by the state before they can operate. They also have the legal authority to represent the policyholder to safeguard and protect their right … legal authority that contractors don’t have … thus they are the legal and comprehensive alternative to contractor representation.
Public Adjusters specialize in interpreting insurance policies, assessing and documenting damage, and negotiating with insurance companies to ensure fair and equitable settlements.
Public adjusters provide several distinct advantages, which include:
- Expert claim documentation and filing
- Professional negotiation with insurance companies
- Comprehensive damage assessment
- Expedited claim processing
- Stress reduction by a complete claim management
The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public adjusters need to maintain professional licenses and follow strict ethical standards, providing the additional level of consumer protection that is not offered by contractor representation.
For more complex claims for complex claims, public adjusters’ expertise in interpreting policies, document specifications, and negotiation strategies often proves invaluable, potentially preventing costly errors and denials of claims which could result from contractor-led negotiations.
Disclaimer: Some Services Are are not available in all Areas. Contingency fees are not available for Louisiana.
I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Get More?
When insurance settlements prove insufficient to cover property damages, policyholders have a range of legal options to seek further compensation following the initial settlement of claim.
According to the National Association of Insurance Commissioners (NAIC), NAIC recommends that policyholders be sure to carefully review the terms of their settlement and related documents prior to accepting the final settlement.
The timing and circumstances for pursuing additional compensation are critical factors, as most insurance policies have specific timeframes for dispute resolution or appeals, usually between one and two years after the settlement date.
Licensed public claims adjusters are essential in re-evaluating settlement claims and in identifying overlooked damages. Public adjusters conduct thorough property assessments, as well as document any additional damages, and deal with insurance companies on behalf of policyholders.
Key steps for pursuing additional compensation are:
- Document newly discovered damages
- Review of policy terms and settlement agreements
- Gather supporting evidence and estimations
- Consider professional representation from a state-licensed public claims adjusters
The National Association of Public Insurance Adjusters (NAPIA) insists that public adjusters are often able to spot overlooked damages and policy provisions which allow for additional compensation. Their knowledge of the interpretation of policies and the valuation of claims is particularly useful when challenging settled claims.
Policyholders should take action immediately after discovering inadequate settlement amounts, since delay could hinder their ability to collect additional compensation. When utilizing a public adjuster’s services, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Why hire a Public Insurance Claims Adjuster In New York if the insurance company already sent an adjuster?
The choice to engage a state-licensed public claims adjuster, even when an insurance company has appointed its own adjuster dramatically affect the outcome of an insurance claim.
While insurance company adjusters work for the insurance company’s interests … public adjusters serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) emphasizes that these state-licensed & regulated professionals operate independently, ensuring fair settlement of claims and a thorough policies are interpreted.
Public adjusters streamline the claims process by coordinating the documentation and conducting comprehensive evaluations of damage, and coordinating all communications with insurance companies. This type of professional intervention usually speeds up claim resolution and decreases homeowners’ administrative burdens.
The importance of public adjusters also extends beyond monetary benefits. These professionals offer professional guidance through the entire claims process, guiding clients through complex policy terms and ensuring all damage is properly documented and assessed.
They prepare detailed damage estimates, gather necessary evidence, and negotiate directly with insurance carriers to maximize settlement outcomes.
Insurance claims can be complicated and time-consuming, making professional representation valuable during significant losses. Public adjusters’ expertise in policy interpretation and negotiation often results in more extensive settlements that account for both obvious and concealed damages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster In New York?
No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public insurance claims adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.
The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.
Disclaimer: Some Services Not Available In All Areas.
A homeowners insurance terms glossary provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.
Key concepts include such terms as Actual Cash Value Vs. Replacement Value, a method for determining compensation based on replacement costs minus recoverable depreciation, and ALE Coverage, which cover necessary living costs when a home is uninhabitable.
For example, understanding your home insurance declaration page, common homeowners deductibles for various kinds of home damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential common insurance terminology that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Discover How New York Public Claims Adjusters Can Get You More From These Types Of Property Damage Insurance Claims
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
More About New York
New York | |
|---|---|
| State of New York | |
| Nickname: | |
| Motto(s): | |
 Location of New York within the United States | |
| Country | United States |
| Before statehood | Province of New York |
| Admitted to the Union | July 26, 1788 (11th) |
| Capital | Albany |
| Largest city | New York |
| Largest county or equivalent | Kings (Brooklyn) |
| Largest metro and urban areas | New York metropolitan area |
| Government | |
| • Governor | Kathy Hochul (D) |
| • Lieutenant Governor | Antonio Delgado (D) |
| Legislature | New York State Legislature |
| • Upper house | State Senate |
| • Lower house | State Assembly |
| Judiciary | New York Court of Appeals |
| U.S. senators |
|
| U.S. House delegation |
|
| Area | |
• Total | 54,555 sq mi (141,298 km) |
| • Land | 47,126 sq mi (122,057 km) |
| • Water | 7,429 sq mi (19,240 km) 13.6% |
| • Rank | 27th |
| Dimensions | |
| • Length | 330 mi (530 km) |
| • Width | 285 mi (455 km) |
| Elevation | 1,000 ft (300 m) |
| Highest elevation | 5,344 ft (1,629 m) |
| Lowest elevation | 0 ft (0 m) |
| Population (2024) | |
• Total |  19,867,248 |
| • Rank | 4th |
| • Density | 428.66/sq mi (165.51/km) |
| • Rank | 8th |
| • Median household income | $82,100 (2023) |
| • Income rank | 14th |
| Demonym | New Yorker |
| Language | |
| • Spoken language | |
| Time zone | UTC– 05:00 (EST) |
| • Summer (DST) | UTC– 04:00 (EDT) |
| USPS abbreviation | NY |
| ISO 3166 code | US-NY |
| Traditional abbreviation | N.Y. |
| Latitude | 40° 30′ N to 45° 1′ N |
| Longitude | 71° 51′ W to 79° 46′ W |
| Website | ny |
| List of state symbols | |
|---|---|
 | |
.svg "New York 10") | |
 | |
| Slogan | I Love New York |
| Living insignia | |
| Bird | Eastern bluebird |
| Fish | Brook trout (fresh water), Striped bass (salt water) |
| Flower | Rose |
| Fruit | Apple |
| Insect | Nine-spotted ladybug |
| Mammal | North American beaver |
| Reptile | Common snapping turtle |
| Tree | Sugar maple, Lilac bush |
| Inanimate insignia | |
| Beverage | Milk |
| Food | Yogurt |
| Fossil | Eurypterus remipes |
| Gemstone | Garnet |
| Shell | Bay scallop |
| Sport | Baseball |
| State route marker | |
 | |
| State quarter | |
 Released in 2001 | |
| Lists of United States state symbols | |
New York, also called New York State, is a state in the northeastern United States. Bordered by New England to the east, Canada to the north, and Pennsylvania and New Jersey to the south, its territory extends into both the Atlantic Ocean and the Great Lakes. New York is the fourth-most populous state in the United States, with nearly 20 million residents, and the 27th-largest state by area, with a total area of 54,556 square miles (141,300 km).
New York has a varied geography. The southeastern part of the state, known as Downstate, encompasses New York City, the most populous city in the United States; Long Island, with approximately 40% of the state’s population, the nation’s most populous island; and the cities, suburbs, and wealthy enclaves of the lower Hudson Valley. These areas are the center of the expansive New York metropolitan area and account for approximately two-thirds of the state’s population. The larger Upstate area spreads from the Great Lakes to Lake Champlain and includes the Adirondack Mountains and the Catskill Mountains (part of the wider Appalachian Mountains). The east–west Mohawk River Valley bisects the more mountainous regions of Upstate and flows into the north–south Hudson River valley near the state capital of Albany. Western New York, home to the cities of Buffalo and Rochester, is part of the Great Lakes region and borders Lake Ontario and Lake Erie. Central New York is anchored by the city of Syracuse; between the central and western parts of the state, New York is prominently featured by the Finger Lakes, a popular tourist destination. To the south, along the state border with Pennsylvania, the Southern Tier sits atop the Allegheny Plateau, representing some of the northernmost reaches of Appalachia.
New York was one of the original Thirteen Colonies that went on to form the United States. The area of present-day New York had been inhabited by tribes of the Algonquians and the Iroquois Confederacy Native Americans for several thousand years by the time the earliest Europeans arrived. Stemming from Henry Hudson‘s expedition in 1609, the Dutch established the multiethnic colony of New Netherland in 1621. England seized the colony from the Dutch in 1664, renaming it the Province of New York. During the American Revolutionary War, a group of colonists eventually succeeded in establishing independence, and the state ratified the then new United States Constitution in 1788. From the early 19th century, New York’s development of its interior, beginning with the construction of the Erie Canal, gave it incomparable advantages over other regions of the United States. The state built its political, cultural, and economic ascendancy over the next century, earning it the nickname of the “Empire State“. Although deindustrialization eroded a portion of the state’s economy in the second half of the 20th century, New York in the 21st century continues to be considered as a global node of creativity and entrepreneurship, social tolerance, and environmental sustainability.
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.