Homeowners across Long Island face a wide range of risks throughout the year, from coastal storms to unexpected household accidents. While homeowners insurance provides essential financial protection, many people are unsure what types of claims are most common or how to file a claim correctly when something goes wrong. Understanding the claims process ahead of time can help ensure that your home and personal property are properly protected.

As a local independent insurance agency, Newbrook Insurance Agency works closely with homeowners in Suffolk County and Nassau County New York to guide them through claims of all sizes. Below are the most common types of claims filed on Long Island and the steps to take to file them successfully.

Common Homeowners Insurance Claims on Long Island

Wind and Storm Damage

Long Island experiences strong winds, Nor’easters, and coastal storms that frequently damage roofs, siding, fences, and outdoor structures. Wind-related losses are among the most common homeowners insurance claims filed across both Suffolk County and Nassau County. High exposure near the shoreline increases these risks even more, making proper coverage and fast reporting critical.

Water Damage (Non-Flood)

Sudden and accidental water damage—such as burst pipes, leaking appliances, or water heater failures—accounts for a significant portion of homeowners insurance claims. It’s important to note that flood damage is not covered under standard homeowners insurance, so homeowners in Long Island’s coastal zones often need a separate flood policy.

Fire and Smoke Damage

From kitchen mishaps to electrical issues, fire and smoke damage can affect any household. Even small fires can cause lingering soot or odor issues that require professional cleaning. These claims often involve detailed assessments, so quick reporting and documentation are essential.

Theft and Vandalism

Break-ins and property damage remain common claims, even in quieter Long Island neighborhoods. Stolen belongings, damaged entry points, and vandalized property typically fall under homeowners insurance, but filing a police report is required before submitting your claim.

Liability Claims

Homeowners insurance also covers personal liability, such as someone slipping on ice at your home or a dog-related injury. These claims can be complex and often involve legal liability considerations, making communication with your insurance agency especially important.

How to File a Homeowners Insurance Claim Successfully

Document the Damage Thoroughly

Before cleaning or repairing anything, take clear photos and videos from multiple angles. Document the cause of the damage if possible. This helps support your claim and reduces the risk of disputes with the insurer.

Take Steps to Prevent Additional Damage

Homeowners are responsible for minimizing further damage after an incident. This may include shutting off the water supply during a leak, covering broken windows, or temporarily protecting exposed areas.

Contact Your Local Independent Insurance Agency

Before filing directly with a carrier, consider speaking with Newbrook Insurance Agency. As a local independent insurance agency, we review the situation, help you understand whether the claim is covered, explain deductibles, and guide you through the filing process. This is especially helpful for homeowners in Suffolk County and Nassau County New York who may face unique regional risks.

File the Claim Promptly

Once you decide to move forward, file the claim with your insurance carrier as soon as possible. Provide all necessary documentation, including receipts, repair estimates, and any official reports.

Cooperate With the Claims Adjuster

The insurance company may send an adjuster to inspect the damage. Be available, answer questions, and share the documentation you collected. You may also want to gather independent repair estimates to ensure the evaluation is fair.

Keep Receipts and Track Expenses

If the loss forces you to temporarily leave your home, be sure to save receipts for hotel stays, meals, and other living expenses. Many homeowners insurance policies include additional living expense coverage for exactly these situations.

Why Working With a Local Independent Agency Matters

Filing a homeowners insurance claim can feel overwhelming, especially during stressful situations like storm damage or water emergencies. A local independent insurance agency such as Newbrook Insurance Agency understands Long Island’s specific risk factors and can advocate for you throughout the claims process. Whether you live in Suffolk County or Nassau County New York, having a knowledgeable team on your side can make the entire process faster, smoother, and more successful.