Work With Trusted & Experienced

Public Adjusters In New York City, New York That Work For YOU!

100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!

*Not All Services Available In All Areas. 

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 & verified New York City 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 insurance claims adjusters in New York City, 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!*

Public Claims Adjusters Network 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 insurance 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 Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!

*Some Services May Not Be Available In All Areas. 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 City community, to ensure the highest quality of service & care.

Up To 0 %

Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!

0 %

Contingency Based. We don’t get paid, unless you get paid!

*Contingency fees not permitted by law in Louisiana.

Public Adjuster Graph
Public Adjuster Graph

Why Hire A Public Adjuster In New York City New York?

New York City 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 public claims adjusters Members Today!

*Some Services Not Available In All Areas. 

What Our Network Of Licensed New York City Public Insurance Adjusters Bring To The Table

Insurance Policy & Claims Specialists For New York City Residents

PCAN member public insurance claims 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 City, 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 Homeowners, Businesses, & HOA's In New York City, New York

PCAN member public insurance 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 For New York City Homeowners Insurance Claims

PCAN member public claims adjusters in New York City, 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 New York City Damage Claim Negotiators

Settlement negotiation is critically important when it comes to the claims process. Public adjusters in New York City, New York know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public insurance 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!

Your Insurance Company Has An Adjuster ... Shouldn’t You?

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 City New York Public Adjusting

New York City Public adjusters are licensed insurance professionals who work independently to advocate for policy holders in the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) they are professionals serve as advocates for homeowners to ensure that their interests are protected in working with insurance companies..

The role of public adjusters has become increasingly important in recent times, especially because insurance claims are becoming more complex. A landmark study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA) revealed that policyholders who utilized public adjusters received settlements that were up to 800% higher than those who dealt with claims on their own.

Public adjusters provide comprehensive services throughout the claim process. They conduct detailed assessments of the damages, and prepare and file the necessary documentation, and handle all communication with insurance companies. This kind of professional assistance significantly cuts down the stress and time involved with filing claims which allows policyholders owners to focus on recovery.

Working mostly on a basis of contingency fees, typically ranging between 10 and 20 percent of the settlement, public adjusters are paid to ensure the highest possible amount of compensation to their customers. The fee structure is based on claim complexity state regulations, as well as the resources required.

These professionals have extensive understanding of insurance policies,  and building codes, as well as construction costs. They use this knowledge to:

  • Expedite the claims process
  • Document and assess damages thoroughly
  • Navigate complex policy language
  • Negotiate directly with insurance companies
  • Be sure to comply with filing deadlines and other policy requirements

Research has clearly shown that professional representation during the claim process typically results in more comprehensive settlements and faster claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common mistakes that could hinder or delay settlements.

Related Story: Are Public Adjusters Worth It?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Industry research and industry analysis has shown the hiring of a public insurance adjuster can dramatically increase policyholder claim settlements. According to a landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who utilized public adjusters received settlements as high as 800% higher than those who dealt with claims on their own.

Public adjusters in New York City, New York serve as licensed professionals who advocate exclusively for policyholders during the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals offer comprehensive claim management services, which include detailed documentation of property damage and interpretation of policies and settlement negotiations with insurance carriers.

The value of professional representation becomes particularly evident in the final settlement figures, as professionally managed claims typically produce more detailed damage estimates and more accurate valuations of losses.

Public adjusters streamline the claims process by:

  •  Managing all correspondence and documentation with insurance companies    
  • Conducting detailed assessment of the damage to property  
  • Preparing comprehensive claim submissions
  • Negotiating directly with insurance companies    
  • Speeding up the settlement timeline  
  • Ensures compliance with policy guidelines and deadlines  

Most public adjusters operate on a contingency fee basis, typically ranging from 10% to 20% of the final settlement amount. The structure of the fee aligns adjuster’s interests with the policyholder’s, as their compensation is contingent on securing a favorable settlement outcome.

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 significantly impact settlement outcomes.

Their expert oversight ensure no covered damages are missed and claims are appropriately valued according to current market conditions.

Related Story: When Should I Retain A Public Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

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.

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.

Related Story:How Does A Public Insurance Adjuster Work?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Complex insurance claims often require experienced professionals to effectively navigate. Public insurance adjusters, state-licensed professionals who work exclusively on behalf of policyholders, can significantly impact the outcome of claims as well as settlement amount.

A variety of scenarios could require the use of a public adjuster:

  • Extensive property damage
  • Claims involving multiple coverage types
  • 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 thorough damage assessments
  • The preparation and filing of all documentation required 
  • Communication with insurance companies 
  • Settlement negotiations on behalf of the policyholders 
  • Ensuring compliance with policy conditions and deadlines

Public adjusters particularly benefit policyholders by:

  • Stress reduction by utilizing expert claim management
  • Speeding up the settlement process 
  • Providing an objective assessment of damage
  • Ensuring comprehensive documentation
  • Leveraging industry knowledge for fair settlements

Related Story:Are Public Adjusters Legitimate?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

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

Related Story:Common Public Claims Adjuster Pitfalls & How To Avoid Them

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

The decision to employ a state-licensed public adjuster, even if an insurance company has assigned its own adjuster, could greatly affect the outcome of an insurance claim.

Although the insurance company adjusters work for their employer’s interests … public insurance claims adjusters In New York City, New York serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) emphasizes that these state-licensed & regulated professionals work independently to ensure fair settlements of claims and complete policy interpretation.

Public adjusters streamline the claims process by coordinating documents, making thorough assessment of the damage and handling all communication with insurance companies. This professional intervention typically speeds up claim resolution and reduces homeowners burdens on administrative tasks.

The benefit of public adjusters isn’t only limited to monetary benefits. They offer expert advice throughout the claims process, providing complicated policy terms and making sure that every damage is properly documented and assessed.

They create detailed damage estimates, gather necessary evidence, and engage directly with insurance carriers to maximize settlement outcomes.

Insurance claims are complex and time-consuming which makes professional representation crucial during large losses. Public adjusters’ expertise in negotiation and policy interpretation often results in more comprehensive settlements that account for the obvious as well as hidden losses.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Related Story:How Do Public Claims Adjusters Get Paid And Who Pays Them?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

While policyholders have the right to file insurance claims on their own, research from industry experts suggests this approach may not yield the best results.

The most significant challenges of 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 offer important advantages to the process of settling claims: 

  •  
    1. Professional Documentation and Assessment – Public adjusters thoroughly document damages, prepare comprehensive claims files, and manage all necessary paperwork, ensuring nothing is overlooked.
    2. Time and Stress Management – These professionals handle all communications with insurance companies so that homeowners can focus on recovering while speeding up the claims process.
    3. Expert Negotiation – With extensive knowledge of insurance policies and regulations, public adjusters deal directly with insurance companies to secure fair settlements.
    4. Cost-Effective Service – Public adjusters typically work on a contingency fee basis, usually ranging from 10 to 20 percent of the final settlement amount, which ensures that the interests of the policyholder are protected.

The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent the interests of policyholders during the process of settling claims. Their expertise can be particularly useful in complex claims or when significant damages are involved.

Industry statistics consistently show that professional professional representation by state-licensed public claims adjusters leads to more favorable results for the policyholders, with quicker processing time, and more comprehensive settlement packages.

Related Story:How Much Do Public Insurance Adjusters Charge: Fees & Costs

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

While contractors often offer 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 expertise to act as official representatives in insurance claims negotiations.

This limitation could significantly impact the result of a case and potentially compromise your rights as a owner of the policy.

Departments of insurance in each state oversee licensed public adjusters, who go through highly specialized training, undergo Federal background checks, & require specialized licensing by the state before they can operate. They also are legally authorized to represent the policyholder in order to protect and enforce their rights … legal authority that contractors don’t possess … making them the legal and comprehensive alternative to representation by contractors.

Public Adjusters specialize in the interpretation of insurance policies, documenting damages, and working with insurance companies in order to secure fair and equitable claim compensation.

Public adjusters provide several distinct advantages, which include:

  • Expert claim documents and filing
  • Professional negotiation with insurance carriers
  • Comprehensive damage assessment
  • Faster claim processing
  • Reduce stress by a complete claim management

The National Association of Public Insurance Adjusters (NAPIA) insists on the fact that public claims adjusters must maintain professional licenses and follow strict ethical standards, providing an additional layer of consumer protection that is not offered by contractors.

For complex claims for complex claims, for more complex claims, public adjusters are experts in interpreting policies, document requirements and negotiation strategies frequently proves invaluable, potentially preventing costly mistakes and claim denials that could arise from contractor-led negotiations.

Related Story:When Is It Too Late To Retain A Public Claims Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

When insurance settlements prove insufficient to pay for property damage, policyholders retain several legal options for seeking further compensation following the initial claim settlement.

As per the National Association of Insurance Commissioners (NAIC), NAIC recommends that policyholders carefully evaluate the terms of their settlement and related documentation before accepting the final settlement payment.

The timing and the circumstances for pursuing additional compensation are critical aspects, as most insurance policies include specific deadlines for claims disputes and appeals, usually between one and two years after settlement date.

Licensed public insurance claims adjusters are vital in re-assessing settlement claims and identifying overlooked damages. Public adjusters conduct thorough property assessments, as well as document any additional damage, and negotiate with insurance carriers in the interest of policyholders.

The most important steps to pursue additional compensation include:

  1.  Document newly discovered damages
  2. Review of policy terms and settlement agreements
  3. Gather additional evidence and estimates
  4. Request professional representation from a state-licensed public claims adjusters

The National Association of Public Insurance Adjusters (NAPIA) emphasizes that public adjusters are often able to identify missed damages and policy provisions which allow for the need for additional compensation. Their knowledge of the interpretation of policies and claim valuation is especially valuable when challenging settled claims.

Insurance policyholders must take action immediately after discovering inadequate settlement amounts, as delay may hinder their ability to obtain additional compensation. When utilizing a PCAN member Public Insurance Claim Adjuster, 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.

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.

Related:Public Claims Adjusting Guides

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

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 City, New York

New York state-licensed public insurance 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!

Step #1

Make Sure Your Family Is Safe

When disaster strikes, the priority is to make sure your family is safe. Always have an emergency bag!

Step #1

Step #2

Contact A PCAN Public Adjuster In New York City, New York

Contact one of the PCAN verified and state-licensed public insurance claims adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.

Step #2

Step #3

Thorough Review Of Your Policy

Your public insurance claims adjuster will conduct a comprehensive review of your policy, note any coverage restrictions, coinsurance requirements, limitations, and review additional options that may be available to you.

Step #3

Step #4

Create A Claims Strategy That Works For Your Specific Goals & Needs

Your public adjuster will discuss what is most important to you when it comes to your claim, then create & tailor the right claims strategy to take care of your family.

Step #4

Step #5

Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.

Once you have agreed on a strategy, your public insurance claims adjuster will:

  • Meet with insurance company adjusters & personnel at the loss/damage location.
  • Agree to the scope of damages & make sure that they are including all the damages in the scope, as well as clearly deciding on what should be repaired vs. replaced.
  • Prepare a detailed reconstruction estimate.
  • Prepare a detailed inventory of personal property.
Step #5

Step #6

Negotiations & Final Settlement

Your public claims adjuster will work to make sure you receive the highest settlement possible under your specific insurance policy.

Step #6

Step #7

Restoration | Reconstruction | Relocation

Your public adjuster will negotiate with the insurance company to ensure that you can achieve your specific goals. Whether that’s full or partial restoration, rebuilding your property, or a full-relocation.

Step #7

(Click To Expand Infographic)

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Explore How New York City Public Claims Adjusters Can Get You More From These Kinds Of Homeowners Insurance Damage Claims

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

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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A glossary of insurance terms 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, which cover necessary living costs when a home is uninhabitable.

For example, understanding your homeowners insurance policy declaration page, common home insurance deductibles for various types of home & property damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential insurance lingo 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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New York
Nicknames: 
Map
Interactive map outlining New York City
New York City Is Located In New York
New York City
New York City
Location within the state of New York
New York City Is Located In The United States
New York City
New York City
Location within the United States
Coordinates: 40°42′46″N 74°0′22″W / 40.71278°N 74.00611°W / 40.71278; -74.00611
Country23Px Flag Of The United States.svg United States
State23Px Flag Of New York.svg New York
Constituent counties (boroughs)
Settled1624 (401 years ago) (1624)
Consolidated1898 (127 years ago) (1898)
Named forJames, Duke of York
Government
 • TypeStrong mayor–council
 • BodyNew York City Council
 • MayorEric Adams (D)
Area
 • Total
472.43 sq mi (1,223.59 km)
 • Land300.46 sq mi (778.18 km)
 • Water171.97 sq mi (445.41 km)
Highest elevation
401 ft (122 m)
Lowest elevation
0 ft (0 m)
Population
 (2020)
 • Total
8,804,190
 • Estimate 
(July 2023)
8,258,035
 • Rank1st in the United States
 • Density29,302.7/sq mi (11,313.8/km)
 • Urban
19,426,449
 • Urban density5,980.8/sq mi (2,309.2/km)
 • Metro
20,140,470
DemonymNew Yorker
GDP
 • Total$1.286 trillion (2023)
 • Metro$2.299 trillion (2023) (1st)
Time zoneUTC−05:00 (EST)
 • Summer (DST)UTC−04:00 (EDT)
ZIP Codes
100xx–104xx, 11004–05, 111xx–114xx, 116xx
Area codes212/646/332, 718/347/929, 917
FIPS code36-51000
GNIS feature ID975772
Websitewww.nyc.gov Edit This At Wikidata

New York, often called New York City or NYC, is the most populous city in the United States, located at the southern tip of New York State on one of the world’s largest natural harbors. The city comprises five boroughs, each coextensive with a respective county. The city is the geographical and demographic center of both the Northeast megalopolis and the New York metropolitan area, the largest metropolitan area in the United States by both population and urban area. New York is a global center of finance and commerce, culture, technology, entertainment and media, academics and scientific output, the arts and fashion, and, as home to the headquarters of the United Nations, international diplomacy.

With an estimated population in 2023 of 8,258,035 distributed over 300.46 square miles (778.2 km), the city is the most densely populated major city in the United States. New York City has more than double the population of Los Angeles, the nation’s second-most populous city. With more than 20.1 million people in its metropolitan statistical area and 23.5 million in its combined statistical area as of 2020, New York City is one of the world’s most populous megacities. The city and its metropolitan area are the premier gateway for legal immigration to the United States. As many as 800 languages are spoken in New York City, making it the most linguistically diverse city in the world. In 2021, the city was home to nearly 3.1 million residents born outside the United States, the largest foreign-born population of any city in the world.

Source

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.