In the wake of extreme weather events across New York City, Long Island, and New Jersey, thousands of homes have suffered flood and water damage. To help residents better prepare and recover, Philip Maltaghati, CEO of United Public Adjusters & Appraisers, recently appeared on ABC7 New York to share practical, and potentially claim-saving advice.
With over $500 million in settlements secured for clients, United PA is a leading advocate for policyholders facing disasters like flash flooding, burst pipes, and storm-related losses.
Prepare Before the Storm Hits
“Our team advocates for homeowners throughout every stage of the water damage claims process,” said Maltaghati. “Now is the time to prepare—before the next storm arrives.”
Here are three essential tips for policyholders in NYC, on Long Island, and New Jersey:
1. Make a Video Inventory
Use your phone or camera to record a narrated, room-by-room walk-through of your home. Point out valuable or sentimental items and describe their origins, value, and condition. This documentation is vital if you need to file a flood damage claim.
“Take a lot of photos and videos,” Maltaghati emphasized. “When you file your flood damage claim, you’ll need to prove ownership and pre-loss conditions. Start now.”
2. Review Your Insurance Policy
Most homeowners don’t realize flood damage is not covered by standard homeowners’ insurance. A separate flood insurance policy is typically required. However, the details matter:
- Water coming through the roof? That may be covered under roof seepage.
- Water backing up through drains or sump pumps? Your policy might have limited overflow coverage.
- Water entering through foundation cracks? That may only be covered under a FEMA-backed flood policy.
“Every policy is different,” said Maltaghati. “We often help homeowners interpret exclusions and coverage so they’re not blindsided after the damage.”
3. Understand What Impacts Flood Damage Claims
Filing a claim is more than reporting damage. Be sure to:
- Accurately document losses
- Understand your policy’s limits
- Have United Public Adjusters & Appraisers negotiate with your carrier to avoid underpayment.
And yes, water can enter your home through multiple points at once, but not all sources will be covered. That’s why a professional interpretation of your policy is crucial.
How United Public Adjusters Helps Maximize Flood Damage Claims
Our experienced team includes professionals in insurance, construction, real estate, and disaster recovery. When we assist homeowners in NYC, on Long Island, and NJ, we help by:
- Reviewing insurance policies for coverage gaps
- Documenting losses with precision.
- Assisting with temporary housing or business relocation.
- Negotiating with insurance carriers to pursue the maximum allowable payout.
Don’t Wait for the Next Storm
If your home has already suffered water, fire, or flood damage, or if you’ve received a low-ball settlement offer, United Public Adjusters can step in immediately. According to the Insurance Institute, policyholders who work with public adjusters receive up to 700% higher settlements than those who file without the assistance of a public adjuster.
“Preparation is power,” Maltaghati says. “Even if you’ve never filed a claim before, we’ll walk you through every step.”
Ready to Protect Your Property?
If you live in New York City, on Long Island, or New Jersey, don’t wait until after the damage is done.
Contact United Public Adjusters today for a free consultation. Let us help you plan ahead and protect what matters most.
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