Insurance Claims
We Bill Your Insurance Company. Directly.
No collecting receipts, no front-loading thousands of dollars, no chasing your adjuster. We document the loss properly, bill the carrier directly, and you pay only your deductible in most cases.
How It Works
A Smoother Insurance Claim, Start to Finish
Filing a water damage claim is mostly about paperwork — photos, moisture readings, scope of damage, documentation of materials, and a clear narrative your adjuster can approve quickly. Done wrong, claims drag on for weeks or get denied for technicalities. Done right, claims close in days with no out-of-pocket beyond your deductible.
We do this every day. Every QuickRestore job is documented to IICRC S500 standards, photographed at every stage, and submitted in a format your adjuster recognizes. We deal directly with claim handlers so you do not have to.
Our Insurance Workflow
Five Steps from Claim to Closed
Call & Document
We arrive in 30 minutes and document the damage with photos, moisture readings, and a written scope before any cleanup begins.
File Your Claim
You call your insurance carrier (we will tell you exactly what to say). They open a claim and assign an adjuster.
We Coordinate
We submit our documentation directly to your adjuster and walk them through the loss when they request a site visit.
We Restore
Extraction, drying, repairs — performed and documented in real time so the adjuster has everything they need to approve.
Direct Billing
We bill the carrier directly. You pay your deductible. Most claims close without a single follow-up question.
Carriers We Work With
Every Major Insurance Company in New York
We have processed claims with every major carrier active on Long Island. Our documentation format is recognized and accepted by all of them.
What Insurance Typically Covers
Covered vs Not Covered in NY
- Covered: Burst pipes (sudden, accidental)
- Covered: Appliance failures (washer, dishwasher, water heater)
- Covered: Roof leaks from storms, ice dams, fallen trees
- Covered: Fire-suppression water damage
- Usually not covered: Outdoor flooding (needs flood insurance)
- Usually not covered: Sewer backup (needs endorsement)
- Usually not covered: Gradual leaks & long-term seepage
- Usually not covered: Lack of maintenance damage
Insurance FAQ
Common Insurance Questions from Long Island Homeowners
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Most standard New York homeowners policies cover sudden, accidental water damage from inside the home — burst pipes, appliance failures, plumbing leaks, and ice dams. Damage from outside flooding, sewer backups, and gradual leaks usually requires separate endorsements or flood insurance. We help you understand exactly what is covered the moment we arrive.
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Water damage from inside your home (pipes, appliances, roof leaks) is typically covered by your standard homeowners policy. Flood damage — water that originated outside and entered your home (storm surge, river overflow, ground saturation) — requires a separate flood insurance policy through the NFIP or a private carrier. Long Island homes near coastlines or in flood zones often need both.
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In most covered claims, you pay only your deductible — typically $500 to $2,500 depending on your policy. We bill the insurance company directly for the rest. If your claim is denied, we provide a written estimate before any work begins and you choose how to proceed.
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A single water damage claim usually has minimal impact on premiums, especially if it is your first. Repeated claims or denied claims can affect rates more. The bigger risk is delaying repairs and creating a bigger, more expensive claim later — or letting hidden damage become a non-covered loss.
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Yes. By New York State law, your insurance company cannot require you to use their preferred vendor. You have the right to hire any licensed, qualified restoration contractor. QuickRestore works with every major insurance carrier and our documentation meets every adjuster's requirements.
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Most policies require you to notify your insurer "promptly" — typically within 30 days for water damage. The faster you call your insurance and your restoration company, the easier the claim is to approve. Document everything with photos as soon as it is safe to do so.
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We can help. We provide detailed loss documentation that often reverses denials, and we work with public adjusters when needed. If the denial is final, we offer transparent pay-out-of-pocket pricing and payment plans for qualified homeowners.
Long Island's 24/7 Water Damage Specialists
Water damage doesn't wait. Neither do we.
A licensed technician answers every call. We dispatch the closest crew immediately and arrive in 30 minutes or less.
- IICRC Certified Technicians
- Licensed & Fully Insured
- Direct Insurance Billing
- Free On-Site Inspection