Mold Damage Insurance Claims on Long Island, NY

If you’ve discovered mold in your home or commercial property, it’s more than just an eyesore — it’s a serious threat to your health and your building’s structure. Insurance companies don’t make mold claims easy. That’s why Long Islanders turn to Summit Public Adjusters to handle the claim, document the damage, and negotiate for full coverage on their behalf.

Long Island Mold Damage Insurance Claim Experts Who Work for You

When mold invades your home or business, it can quickly lead to structural damage, health risks, and expensive repairs — and too often, insurance companies don’t offer the support you need. At Summit Public Adjusters, we specialize in helping Long Island property owners get the full compensation they deserve for mold-related damage. We don’t work for the insurance companies — we work for you, advocating for your best interests every step of the way. From detailed inspections to expert negotiation, our team handles your mold damage insurance claim with precision, urgency, and a deep understanding of New York policy requirements.

Why Choose Summit Public Adjusters?

When disaster strikes—whether it’s fire, water, storm, or mold damage—you need an advocate who works for you, not the insurance company. At Summit Public Adjusters, we proudly serve Suffolk County’s most distinguished homeowners and businesses, ensuring every claim is handled with precision, speed, and the highest level of integrity.

Fast Response, Real Results
We act quickly after damage occurs—inspecting, documenting, and building your claim right away so you can start rebuilding faster.
Licensed and Trusted
We’re fully licensed, bonded, and insured to represent high-value claims throughout Long Island.
Proven Claim Experience
With over a decade of experience, we know how to handle complex losses—and how to push back when the insurance company offers less.
Local Experts on Long Island
Based in Smithtown, we proudly serve Northport, Head of the Harbor, Belle Terre, The Hamptons, and more. We’re your neighbors—and your strongest advocate.

Why You Need a Public Adjuster After Mold Damage on Long Island

Mold damage can be deceptive — it often starts small but spreads quickly behind walls, under floors, and into HVAC systems. Unfortunately, insurance companies frequently downplay the severity of mold or deny claims altogether, blaming the damage on maintenance issues or policy exclusions. That’s where a licensed public adjuster comes in.

Hiring a public adjuster after mold damage ensures that your interests are fully represented. At Summit Public Adjusters, we know how to uncover hidden damage, provide expert documentation, and fight for every dollar your policy entitles you to. From black mold to HVAC contamination, we prepare detailed estimates, work with trusted mold remediation professionals, and negotiate directly with your insurance company — so you don’t have to.

If you live in Nassau or Suffolk County, don’t leave your mold claim in the hands of your insurer. Our Long Island-based team understands local building codes, weather conditions, and insurance practices — giving you the advantage when it matters most.

Frequently Asked Questions – Mold Damage Claims on Long Island

We serve all of Nassau and Suffolk County, including Brookville, Roslyn, Muttontown, Huntington, Smithtown, Babylon, East Hampton, and more. Whether you own a residential home or commercial property, we’re your trusted public adjuster on Long Island.

Do homeowners insurance policies cover mold damage?
It depends on your specific policy and the cause of the mold. Most policies will cover mold remediation if the mold resulted from a covered peril, such as a burst pipe, roof leak, or storm damage. If the mold developed over time due to neglect or maintenance issues, the claim may be denied. A public adjuster can review your policy and determine what you’re entitled to.
How can a public adjuster help with a mold damage claim?
A licensed public adjuster represents you, not the insurance company. We handle the entire claims process — from inspection and documentation to preparing estimates and negotiating the final settlement. We work to ensure you receive full compensation for remediation, repairs, and even temporary relocation if necessary.
How long do I have to file a mold claim in New York?
Most insurance policies require you to report damage promptly — often within 30 to 60 days of discovering the problem. Delaying could lead to a denial. Contacting a public adjuster immediately helps ensure your claim is properly filed and documented.
How much does it cost to hire Summit Public Adjusters?
There are no upfront costs. We work on a contingency basis, which means we only get paid if you do. Our fee is a small percentage of your final settlement — and we typically help clients recover significantly more than they would on their own.
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