Policyholder guides
Guides for New York Policyholders With a Disputed Claim
Practical reading on policy language, documentation and claim strategy, written from the appraisal side of the table.
Nov 4, 2026 · 7 min readThe 1943 Standard Fire Policy and Your Appraisal RightsMost U.S. appraisal clauses were modeled on one New York statute. Here is what its standard fire policy appraisal clause says and how it plays out in a modern claim.Read the guide 
Oct 20, 2026 · 7 min readHow Hurricane Deductibles Work on Long Island and in NYCA percentage deductible can take a large bite out of a wind claim. Here is how a hurricane deductible on Long Island or in the city is usually triggered and calculated.Read the guide 
Oct 3, 2026 · 7 min readIce Dams and Roof Leaks: Building a Stronger Winter ClaimWinter roof leaks from ice dams are common across upstate New York. Here is how an ice dam roof leak claim is usually evaluated and where disputes tend to arise.Read the guide 
Sep 16, 2026 · 8 min readMaster Policy or HO-6? Sorting Out Co-op and Condo ClaimsIn co-ops and condos, two or more policies often respond to the same loss. Here is how the master policy vs HO-6 split usually works and why it matters for valuation.Read the guide 
Aug 28, 2026 · 7 min readWater in the Basement: Backup, Flood or Burst Pipe?The same few inches of basement water can fall under three different coverages. Here is how sewer backup vs flood is usually sorted out in a New York claim.Read the guide 
Aug 8, 2026 · 7 min readWho Should You Call: Appraiser, Adjuster or Attorney?Three different professionals help New York policyholders with disputed claims. Here is how appraiser vs public adjuster vs attorney roles compare and when each fits.Read the guide Covered, but not paid in full?
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