Helping Long Island homeowners understand what their policy covers and get the full payout they deserve for water damage across Nassau and Suffolk County.
Water damage coverage under homeowners insurance is one of the most misunderstood topics on Long Island. The key distinction insurers make is between sudden and accidental water damage (typically covered) versus gradual damage or flooding (typically not covered under a standard policy).
A burst pipe in the middle of winter? Covered. A slow leak behind your wall that's been going on for months? Likely not. Flooding from a storm that overflows a nearby body of water? Requires a separate flood insurance policy through FEMA's National Flood Insurance Program.
Greene Group Construction Corp.'s IICRC-certified technicians document water damage in a way that clearly demonstrates its sudden and accidental nature — which is the key to getting your claim approved and fully paid. We've helped hundreds of Long Island homeowners successfully file water damage claims that insurance companies initially tried to deny or minimize.
If water damage has been present long enough for mold to grow, insurers may use it as evidence of "gradual damage" and deny the claim. Call us immediately after discovering water damage — don't let time work against you.
Burst or frozen pipes · Water heater failure · Appliance leaks (washing machine, dishwasher) · Roof leak causing interior water damage · Accidental overflow (bathtub, toilet) · Storm-driven rain through a damaged opening
Groundwater flooding (needs flood policy) · Gradual leaks or seepage · Sewer or drain backup (needs rider) · Lack of maintenance · Storm surge
Many Long Island homeowners don't know they need a separate sewer backup endorsement. If you've had sewage back up into your home, call us — we can help determine if you have this coverage and file accordingly.
Water source identification · Moisture readings and mapping · Photo evidence · Timeline of damage · Scope of restoration · Insurance-standard damage report
It depends on the cause. If water entered through a crack in the foundation or from groundwater, you need a flood policy. If a pipe burst or an appliance failed, your homeowners policy likely covers it. We'll help you identify the exact cause and file correctly.
This is a common denial reason. We prepare detailed documentation showing the water damage was sudden and accidental, and can help you file an appeal or supplement. Don't accept this denial without a second opinion.
If the mold resulted from a covered water damage event, it's typically covered as part of that claim. We document mold remediation as part of the overall restoration scope to ensure it's included in your settlement.
Most New York homeowners policies require prompt reporting — ideally within days of discovering damage. Acting quickly also limits further damage, which insurers can use to reduce your payout.
Call now — we respond in 60 minutes and begin documenting your claim immediately.
(631) 532-7346