How to File a Manhattan Apartment Insurance Claim

With many issues in modern life, there is a right way and many wrong ways to go about solving the problem. If you live in New York City, when it is time to file an apartment insurance claim, you’ll find that being prepared and knowing the right thing to do is paramount to receiving a fast, and just settlement. Whether it is a major disaster that will displace you for several months, ruined clothing from a plumbing leak, or damage to your sound system by a careless house guest, there are some important things to know before you submit for your losses. Here are some timely tips:

1. Document the damage: Taking cell phone photographs not only of any damaged possessions but also (if possible) the source of the issue, will provide claim examiners with a fuller picture.
2. Provide receipts. Even if you purchased your computer several years ago, it is important to prove the item’s existence as well as to give an idea of its condition prior to its loss.
3. Fill out your apartment insurance claim forms as fully as possible. Leaving a field blank will likely cause the claim to be denied/rejected. Extending the claim processing time means a longer wait to be reimbursed.
4. When the settlement offer arrives, and for less than anticipated, do you know your rights? Should you accept? What to do now?

At any time during your apartment insurance claim process, reach out to the professionals at United Public Adjusters & Appraisers, Inc. We will review your policy, and as necessary, take additional property damage photos, and accompanying content to provide the claims examiners with a complete picture of your issue and requirements. Does your policy mandate full replacement value for your loss? Will your policy cover your possible displacement for a protracted period? Most importantly, does the settlement offer achieve all that?

Remember, insurance examiners work for the insurance company. As your ally, United Public Adjusters works for you and you alone. Before you accept the initial insurance offer, allow UPA to negotiate. Based on your policy, we will fight to ensure you receive the highest payout allowable. If that sounds fair to you, add us to your cell phone contacts. That way, when the need arises, we can be your ace-in-the-hole. Just give us a call at 1-800-718-5677 or submit our form for a prompt response.