In Manhattan, most property losses start with water: a burst riser, a failed supply line, or an overflow from the apartment above. By the time the damage is visible it has usually crossed into other units and the common areas, and that is exactly where carriers undercount. We document the full loss and negotiate it for you.
Licensed by the New York Department of Financial Services. JustClaims, LLC License #PA-1994667
Fees capped at 12.5%. No fee unless you recover.
Co-op and condo board experience. We work with boards and managing agents directly.
We only get paid when you do.
Tell us about your property and damage. We'll review at no cost.
No upfront cost. We only get paid if you recover. Licensed New York public adjusters.
From co-op and condo buildings to commercial and mixed-use property, water and fire to facade and flood, we cover the full range of New York City losses.
Master policy versus unit-owner coverage, and water that spreads between units gets undercounted. We document every affected unit and common area.
Burst-pipe, riser, and freeze damage classed as maintenance rather than a sudden loss. We establish the cause and the full scope.
Business-interruption and code-upgrade costs left out of the carrier's estimate entirely. We put them back in.
Lost income and contents undervalued, with scope cuts on the build-back. We rebuild the number from the actual loss.
Wind versus flood causation (Sandy, Ida) and the NFIP versus policy coverage split. Flood claims carry their own proof-of-loss rules and deadlines.
Aggressive depreciation and hidden damage that never made it into the report. We re-inspect and document independently.
A Manhattan loss is rarely contained to one unit. Who owns the damage, which policy responds, and how the scope gets counted all depend on the building. Here is where we spend most of our time.
We work directly with boards and managing agents. A single water loss can touch a dozen units plus the common areas, and the master policy versus unit-owner split is where offers come in low. We document the whole building, not just the room where the water was first noticed.
Original risers, aging supply lines, and stacked plumbing mean one failure travels. Carriers frequently reclassify that as long-term maintenance to avoid a sudden-and-accidental payout. We establish the cause and the date of loss with independent documentation.
Ground-floor retail beneath residential floors, shared building systems, and a business-interruption claim running alongside the property claim. Code-upgrade costs and lost income are the two line items most often missing from the carrier's estimate.
Licensed public adjusters experienced with New York City claims
Co-op and condo master policy vs. unit-owner coverage experience
We work directly with boards and managing agents
We specialize in commercial buildings with complex policies
We work exclusively for policyholders, never for insurance companies
The carrier's playbook on New York claims is to pay less than you're owed, stretch out the timeline, or say no and wait. Regulation 64 sets the deadlines. We hold them to it.
Lowball estimates and missed damage, especially water that spreads between units. We rebuild the number from the actual loss and document the full scope independently.
Silence, re-inspections, endless requests. We keep the file moving and hold the carrier to the Regulation 64 claim-handling timelines.
A denial isn't the end. We review the policy, document what's covered, and re-submit with independent evidence. New York requires carriers to explain a denial in writing.
Co-op & Condo Buildings
Pre-war & Multi-Family
Office Buildings
Retail & Restaurants
Hospitality & Lodging
Mixed-Use & Ground-Floor Retail
Healthcare & Institutional
Managing Agents & REITs
Free review. NYC experts. No upfront cost.
New York gives policyholders more leverage than most carriers volunteer. Here is the part that matters when your claim is undervalued or stalled.
New York public adjusters are licensed and regulated by the Department of Financial Services under NY Insurance Law §2108, which requires a $1,000 surety bond, prelicensing education, and an exam. You can verify any adjuster through the DFS license lookup.
New York caps public adjuster fees at 12.5% of the recovery (11 NYCRR §25.7, Regulation 10). The fee must be in writing, and you may cancel the contract by midnight of the third business day after signing. No recovery, no fee.
Your insurer must acknowledge your claim within 15 business days, and accept or reject within 15 business days of receiving a properly executed proof of loss. Extensions require a written explanation, and an agreed settlement must be paid within 5 business days.
Under §2108, a public adjuster cannot have a financial interest in the repair or restoration of your claim. And under §2601, carriers must handle claims in good faith — unreasonable delay or underpayment can carry consequences.
This is general information, not legal advice. Statutes and fee rules change. Confirm the specifics for your situation.
Collin Corcoran is an experienced public adjuster and property claims specialist, licensed in New York (#1603393), New Jersey (#3003700204), and Connecticut (#19820270). With 20+ years of hands-on construction and property damage experience, he specializes in residential and commercial claims, complex loss inspections, policy review, detailed estimating, and strategic negotiation.
Collin's background in construction, asset management, emergency response, and claims documentation allows him to accurately identify damage, understand repair requirements, and advocate effectively for policyholders. He works with co-op and condo boards, managing agents, homeowners, business owners, and contractors to move claims forward with clarity, accuracy, and confidence.
He is committed to transparency, technical precision, strong communication, and securing fair outcomes for policyholders.
Three steps, no upfront cost, and you stay in the loop the whole way.
First you tell us about your property and the damage: what happened, when you noticed it, and what the carrier has said so far. Photos of the affected units and common areas are enough to start. The review is free and there is no obligation.
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Next we assign a dedicated public adjuster who works New York claims. They inspect and document the loss independently, read your policy line by line against the building's master policy, and build the estimate the carrier should have written.
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Last, we drive the claim to resolution. We present the documented scope, answer the carrier's requests, hold them to the Regulation 64 timelines, and negotiate until the settlement reflects the actual loss.
Start your free claim review →Contractors and managing agents are some of our best partners. We quarterback the insurance claim, keep you in the loop, and stay out of the repair work. New York prohibits a public adjuster from having a financial interest in the restoration, so the arrangement stays clean and compliant.
Water mitigation, fire and smoke restoration, mold remediation, and emergency response firms working New York City buildings.
Commercial builders, multi-family renovation firms, riser and supply-line specialists, and large-loss rebuild teams.
Roofing, exterior, and facade contractors, including Local Law 11 remediation and parapet and setback repairs.
Our New York team covers Manhattan end to end, from the Upper East and Upper West Sides through Midtown, Chelsea, Greenwich Village, SoHo and Tribeca, the Financial District, Harlem, and Washington Heights, plus Brooklyn, Queens, the Bronx, Staten Island, and Long Island. We work with co-op and condo boards, managing agents, commercial owners, and homeowners. If your property is in the five boroughs or on Long Island, we can review your claim at no cost.
Check which basis your policy uses. Actual cash value pays replacement cost less depreciation; replacement cost pays without that deduction, though the policy may hold back the difference until repairs are complete. The bigger risk in Manhattan is the limit, because per-square-foot averages ignore union labour, landmark and co-op restrictions, DOB filings, freight-elevator scheduling and after-hours access rules.
Start with your own unit policy, which normally responds first for interior finishes and contents. Recovering from the shareholder above or from the corporation is a separate question and generally requires showing negligence or notice of a foreseeable leak, so responsibility is not automatic. The proprietary lease and house rules decide who repairs what.
Standard co-op and condo unit-owner policies include loss assessment coverage, which pays your share of an assessment the board levies after a covered loss to collectively owned property. The built-in limit is small, varies by form edition and carrier, and can be raised by endorsement, so check your declarations rather than assume. The assessment must trace back to a covered peril.
Get the decision in writing first. Under New York's claim rules an insurer that rejects or limits a property claim must notify the board in writing and state its reasons, which shows whether this is a scope dispute or a coverage position. A public adjuster can then re-document the loss, and if the policy contains an appraisal provision either side can invoke it. Unfair claim handling can be reported to the NYDFS.
Read them together with the proprietary lease. Master policies differ: some insure the unit as originally built including standard fixtures, while others cover only bare walls, floor and ceiling and leave cabinets, built-ins, plumbing, wiring and bathroom fixtures to you. The lease and house rules, not a statute, allocate repair responsibility.
Treat it as a scope and pricing dispute. Carrier estimates are software-generated line-item breakdowns, so request that breakdown and compare it against the contractor's bid line by line, looking for missing scope, short quantities and omitted building access or code items. Documented gaps are then submitted as a supplement, with photos, measurements and the contractor's own line items supporting each addition.
It only takes a few minutes. No upfront cost. We only get paid when you do.
Licensed by the New York Department of Financial Services — JustClaims, LLC License #PA-1994667 · Contingency fee capped at 12.5% · No upfront cost
