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Claims Information


AFTER A LOSS

After a Loss, it’s important to restore your home and/or business to good order as soon as possible to protect your health and prevent further damage to your property and belongings. Whether you do the work yourself or hire a contractor, immediate action is important. Your property and furnishings are less likely to grow mold if they are dried within 48 hours. 

Before you begin, put your own safety first. Avoid electrical shock. Wear rubber boots. Keep extension cords out of water. Shut the power off to the flooded area at the breaker box. Ask your electrical utility company for help if needed and report to the local officials if you find any hazardous broken lines that have been lying under water level.  Next inspect whether there has been a gas leak or not.  

Also, beware of outdoor hazards such as dangling power lines and broken tree limbs, and immediately report them to the proper authority.

Steps for Minimizing Property Damage

  • If property damage occurs, immediately contact your insurance carrier or insurance agent directly to report the claim.
  • If possible, take photos or video of any damage before the clean-up efforts begin and use the camera to document the damage you repair before the insurance inspector arrives.
  • As a policyholder, you also have an obligation to prevent any further loss to your property by completing temporary repairs, if possible.
  • Pump out the basement if flooded.
  • If water damage intrudes into your property, dry everything as soon as possible.  If assistance is needed with the temporary repair or drying process, obtain assistance from an emergency service company or restoration company.
  • Separate the damaged goods from the undamaged goods.
  • If the damaged goods can be cleaned or repaired, start that process.
  • Advise your insurance carrier/agent of any mitigation actions you take.
  • If you need to temporarily relocate, keep receipts for all expenses for insurance purposes.
  • In most cases, the Insurance Companies will consider any reasonable expense a part of your covered claim.

Although you may take steps to prevent further damage as you see fit, it is important that you understand that this allows only for emergency repairs, not cosmetic.  Please note that it is in your best interest for the claims adjuster to see and have proof of as much damage as possible so they can determine coverage.

If this is a catastrophic occurrence, it may be difficult to immediately reach your agent or carrier.  Due to potentially high call volume, it may take a few days for reporting which is acceptable under the circumstances of a catastrophe.   A hurricane or windstorm deductible may apply.

We at CBS are here to assist you through this process in every way possible. Below please find a list of telephone numbers to report a claim directly to your insurance company, as well as a list of restoration companies.

INSURANCE COMPANIES

Ace - (800) 945-7461 American Bankers - (800) 245-1505
American Commerce - (800) 848-2945 Andover - (800) 225-0770
Chartis / AIG - (888) 760-9195 Chubb - (800) 252-4670
Coastal Agents - (609) 390-1645 CNA - (877) 262-2727
Farmers - (800) 435-7764 GMAC/Integon - (800) 4683466
Hanover - (800) 628-0250 Harleysville - (800) 892-8877
Hartford - (800) 243-5860 Interboro - (516) 248-1100
Kemper Unitrin - (888) 252-2799 Lexington - (617) 330-1100
Mapfre - (855) 627-3732 Merchants Mutual - (800) 952-5246
Mercury - (800) 503-3724 MetLife Auto and Home - (800) 854-6011
Narragansett Bay - (800) 343-3375 New York Central Mutual - (800) 234-6926
New York Property - (212) 208-9766 One Beacon / Adirondack - (877) 248-4968
Pure - (888) 813-7873 Progressive - (800) 274-4499
Safeco - (800) 332-3226 Security Mutual - (607) 257-5000
Tower - (888) 856-5522 Travelers - Commercial - (800) 238-6225
Travelers - Personal - (800) 252-4633 Utica - (800) 216-1420
Wright Flood - (800) 725-9472

If you carrier is not  listed please refer to your policy for the direct claims telephone number.

RESTORATION COMPANIES

Water Damage, Fire & Smoke Damage, Mold Damage

Belfor Restoration
60 Raynor Avenue
Ronkonkoma, NY  11779
Office: 631-964-8900
Office: 866-964-1050

EMS Restoration Corporation
200 Blydenburgh Road,
Islandia, NY  11749
Office: 631-952-5700
Cell:    516-361-8126

Maxons Restoration
280 Madison Avenue,
New York, NY 10016
Office: 516-938-6767
Cell:    917-578-2031 

Servpro of the East End
PO Box 811
Quogue, NY 11959
Office: 631-653-9595
Email: servpro9645@optonline.net 

Total Restoration
Dennis Lombardi
285 Post Avenue
Westbury, NY  11590
Office: 516-333-5333 

All City Restoration
Ron Marchand
160 Hicks Street
Westbury, NY 11590
Office: 516-338-9800
Cell: 516-250-3688 

CAR RENTAL

Enterprise Car Rental
Nick Koroneos
Cell:    516-448-7717
Email:  E6002N@erac.com