Professional Public Adjusters Serving Great Neck, NY
GEM Public Adjusters
Sick and tired of dealing with the insurance-claims process after property loss? When disaster strikes, navigating it alone can feel overwhelming. At GEM Public Adjusters, we work for you, not the insurance company. Our family-owned firm based in Great Neck, NY has been advocating for property owners and business owners in the region for more than four decades — making sure every dollar you’re owed gets paid. We handle homeowner, commercial and business claims and manage the entire process with minimal involvement from you. We will even review past claims to see if we can secure additional payouts. You don’t pay any up-front fees — we only get paid when you do.
Whether it’s fire, smoke, a pipe burst, an appliance overflow, or a cyber-attack, we handle every detail from start to finish. We inspect the damage, document your full loss, negotiate with your insurer, and fight for the maximum settlement—so you can focus on rebuilding, not red tape.
Contact Us Today!
No Upfront Fees.
Contact Us Today!
No Up-front Fees.
Reach out to GEM in Great Neck, NY for a free claim review — you may be missing out on a much larger payout.
What Is A Public Adjuster ?
Plain & Simple: We fight the insurance company to get you the maximum payout.
We are NOT insurance company adjusters.
After property damage, you rely on your insurer to cover your loss. Imagine waking up to damage at your home, rental, or business—maybe a ceiling leak, a windstorm that ripped off roof shingles, or a fire you thought was contained. You call your insurance company. They send an adjuster. You hope the process is behind you. Yet, many property owners get caught off-guard. Insurers may approve only part of the loss, overlook secondary damage, delay payment, or interpret “maintenance” as your responsibility. At GEM—based in Great Neck, NY—we step in at exactly that moment. We document the full scope, challenge low-ball offers, and ensure your claim reflects everything you lost.
What Does GEM Public Adjusters Do?
We Maximize Your Settlement
Insurance companies often offer low initial payouts. We negotiate for what you truly deserve.
Handle the Entire Claims Process
No need to deal with confusing paperwork, long delays, or frustrating negotiations.
Don't Charge Any Up-front Fee's
We only get paid if you win.
Save You Time & Stress
Let us handle the claim while you focus on rebuilding and moving forward.
Level the Playing Field
We know insurance policies inside and out, ensuring you don’t get shortchanged.
The Difference a Public Adjuster Makes
Experts In Negotiating Property Damage Insurance Claims in Great Neck, NY
Insurance Companies Work for Their Bottom Line – We Work for YOU
Insurance companies work for their bottom line — we work for you. At GEM Public Adjusters in Great Neck, NY we consistently secure larger payouts because we spot every detail in your policy and loss. Whether you’re a property owner or a business owner, we make sure your claim is evaluated fairly.
Public Adjuster vs. Insurance Company Adjuster: What’s The Difference?
We Fight for YOU.
Who They Work For
- Insurance Company Adjuster: Employed by the insurance company, their primary duty is to protect the company’s financial interests. They evaluate the damage and determine the settlement based on the insurance company's guidelines—often with the goal of minimizing the payout.
- Public Adjuster: Works for you, the policyholder, not the insurance company. Their job is to ensure you receive the highest possible payout by thoroughly assessing damages, interpreting your policy, and negotiating on your behalf.
How They Assess Damage
- Insurance Company Adjuster: May conduct a surface-level inspection and adhere strictly to the insurance company’s assessment criteria, which could lead to undervalued or overlooked damages.
- Public Adjuster: Performs a detailed and independent evaluation, identifying hidden damages that may not be immediately visible. They ensure all damages are accounted for—even those the insurance company may downplay or dismiss.
How They Determine Your Payout
- Insurance Company Adjuster: Uses the insurance company’s formulas and pre-set standards to calculate your claim, often looking for ways to limit what they have to pay. Their recommendations are aligned with the company's bottom line, not necessarily what’s fair to you.
- Public Adjuster: Analyzes your policy from your perspective, looking for all available coverage and benefits that apply to your situation. They negotiate to maximize your payout rather than minimize costs for the insurer.
What Makes GEM Different?
Faster Resolution
Faster Resolution Insurance claims can drag on for months, but our team pushes for answers, keeps communication moving, and shortens the process.
Higher Settlements
GEM Public Adjusters consistently secure larger payouts because we know how to spot every detail in your policy.
No Upfront Cost
You never pay us out of pocket — our payment is tied directly to your success, so we’re invested in winning for you.
Expert Claim Handling
From documentation to negotiation, we fight to make sure every part of your loss is valued and covered fairly.
Client Testimonials
Get the Insurance Settlement You Deserve. Property Claims We Assist With:
Residential Insurance Claim Negotiation
Disasters don’t just damage property—they disrupt lives. Whether it’s a fire, flood, or storm, we fight to get homeowners the maximum insurance payout.
- Fire & Smoke Damage
- Water Damage
- Storm & Wind Damage
- Roof Damage
- Mold & Structural Issues
- Pipe Bursts
- Loss of Use (Temporary Housing Costs)
Commercial Property Insurance Claim Negotiation
- Fire & Water Damage
- Theft, Vandalism & Riots
- Structural Collapse & Foundation Damage
- Tenant Damage Claims
- Loss of Rents (For Landlords & Property Investors)
- Equipment Breakdown & Electrical Failures
- Cyber Security Claims
Business-Related Insurance Claim Negotiation
- Business Interruption (Lost Revenue Due to Disaster)
- Loss of Use (Forced Relocation or Downtime)
- Cyber Crime & Data Breach
- Inventory & Equipment Losses
- Commercial Auto & Fleet Damage
Frequently Asked Questions (FAQs)
Our Blog: From The Experts
- December 8, 2025
Holiday Home Safety: Protecting Your Family, Your Property, and Your Peace of Mind
The holiday season is meant to feel joyful and comforting—a time of glowing lights, warm
- November 3, 2025
Frozen Pipes and Winter Damage: Why GEM Public Adjusters Protects What Your Insurance Won’t
The Hidden Danger of Winter Cold in the Tri-State Area When temperatures plunge across New
- September 22, 2025
Why Great Neck Property Owners Trust GEM Public Adjusters
When disaster strikes—whether it’s a burst pipe in your home, fire damage to your business,