Rubin and Rosen Adjusters

The team is based in New York and serves clients across New York and New Jersey. They work primarily with residential and other property damage claims, including fire, smoke, water, flood, wind, storm and other covered causes of loss.

Rubin and Rosen Adjusters was created in response to a shift in the insurance industry toward improving carrier profits at the expense of insureds. Their philosophy is to aggressively represent the policyholder's interests and rights and to level the playing field against the insurance company's own adjusters and experts.

The firm brings together adjusters and other skilled professionals (such as contractors, engineers and attorneys engaged by the insured) to document damage, interpret policy provisions and present claims in a detailed, professional way. They are committed to maximizing the settlement available under the terms of the policy.

Rubin and Rosen Adjusters is not a law firm and does not provide legal counsel. They are familiar with the laws and regulations that apply to insurance claims and often work alongside or advise attorneys on insurance claim matters.

Types of losses and claims

Rubin and Rosen Adjusters assists with a wide range of property damage claims, including:

• Fire and smoke damage
• Water and flood damage
• Wind and storm damage
• Hurricane and windstorm losses
• Lightning and earthquake damage (where covered by the policy)
• Damage from broken or damaged plumbing units
• Mold, where covered by the policy
• Theft, burglary and vandalism losses

They handle both home and other dwelling/property claims, helping to document all damage and present it to the insurance carrier.

What they do in a typical claim

For a typical property damage claim, Rubin and Rosen Adjusters:

1. Reviews the policyholder's insurance policy and obligations to help avoid ineligibility for benefits or claim awards.
2. Assesses the cause and extent of loss so that the correct policy provisions, sub-limits, exclusions, extensions and added coverages are applied.
3. Conducts a detailed evaluation of the damage and comparable loss across the various coverage types in the policy.
4. Documents what the insurance company does and does not do at each stage of the claim process to help ensure the carrier meets its responsibilities.
5. Prepares a highly detailed claim and estimate intended to support the highest fair settlement within the terms of the policy.
6. Coordinates and participates in site inspections with the insurance company's adjuster and, when needed, additional visits or neutral appraisals.
7. Represents the policyholder in negotiations until a reasonable settlement offer is reached and reviewed by the client.

Appraisal and deadlocked claims

When a claim reaches a deadlock with the insurance carrier, Rubin and Rosen Adjusters can participate in an appraisal process (sometimes referred to as a form of binding arbitration for damages). In those situations, appraisal panel members help ensure the policyholder receives appropriate consideration and that their position is heard.

Rubin and Rosen Adjusters is committed to providing professional representation and guidance throughout the insurance claim process and to helping clients obtain the best settlement amount possible for covered losses.

• New York, including Brooklyn, Long Island and surrounding areas (such as the Hamptons)
• New Jersey

They focus on helping homeowners and other property owners with property damage insurance claims in these regions.

Main office

• Address: 778 Old Country Road, Plainview, NY 11803

Primary phone number

• Phone: 718-376-6800

How to contact Rubin and Rosen Adjusters

If your home or property has been damaged and you need help with an insurance claim, you can contact Rubin and Rosen Adjusters by phone. The website also provides an online contact form for inquiries.

Rubin and Rosen Adjusters encourages policyholders to reach out as soon as possible after a loss so they can help guide you through the claim process from the beginning.

Lists Brooklyn, New York City, Plainview, Rubidoux, and Hurricane as a location. Names New Jersey, New York, and New York City as a service area. Areas beyond these are not published.

How Rubin and Rosen Adjusters is paid

• Rubin and Rosen Adjusters is compensated by a fee based on a percentage of the recovery amount paid by the insurance company.
• Fees are typically collected from the settlement proceeds rather than paid up front by the policyholder.
• Their aim is to process and maximize your claim so that, even after their fee, the amount you receive is often significantly more than what the insurance company would have offered without their representation.

Regulation of fees

• The fees that may be charged by public adjusters in New York are governed by the New York State Department of Financial Services.

Claim size and eligibility

• Rubin and Rosen Adjusters evaluates each claim individually and can advise whether their services make sense for your situation.
• They state that their goal is to offer services on an as‑needed basis rather than limiting representation to claims above a specific minimum dollar amount.

For exact fee percentages, written agreements and any current terms that apply to your claim, please contact Rubin and Rosen Adjusters directly.

Initial review and obligations

• Conducts a detailed review of the circumstances surrounding your loss.
• Reviews your insurance policy to identify obligations, sub-limits, exclusions, extensions and added coverages.
• Helps you stay within the obligations and deadlines of your contract so you avoid jeopardizing your eligibility for benefits or claim awards.

Documenting and valuing the loss

• Makes a professional determination of the extent of the damage and the associated loss across all applicable coverage types.
• Collects and documents evidence of damage to your dwelling and other covered property.
• Uses the services of skilled professionals such as contractors, engineers, appraisers and accountants when appropriate.

Managing communications with the insurance company

• Files the claim for you if it has not already been filed.
• Notifies the carrier that Rubin and Rosen Adjusters is representing you on the claim.
• Arranges meetings and inspections with the insurance company's adjuster at the loss location.
• Attends all meetings and handles negotiations so that you do not need to meet with the carrier directly unless you choose to.

Negotiations and settlement

• Prepares detailed estimates and claim documentation to support your position.
• Negotiates with the insurer, including follow‑up calls and, when necessary, additional visits to the property.
• May participate in an appraisal process (a type of dispute resolution for damages) if the claim becomes deadlocked, so that your interests are heard.
• Presents negotiated settlement offers to you for review and approval before anything is finalized.

Focus on the policyholder

Rubin and Rosen Adjusters works to ensure that:

• You understand the claim process and your rights as an insured.
• The insurance company meets its obligations under the policy.
• You receive a fair settlement amount for your covered loss, based on thorough documentation and professional representation.

Rubin and Rosen Adjusters is not a law firm and does not provide legal advice, but they are experienced in insurance claim practices and often work with attorneys on insurance‑related matters.

What types of insurance adjusters are there?

There are three main categories of insurance adjusters:

1. Company or staff adjuster – Employed by and works for the insurance company.
2. Public adjuster – Works for the policyholder (the public), not for any insurance company. A public adjuster files and manages the claim on your behalf and works to obtain the best settlement for your damages, typically for a fee based on a percentage of the recovery.
3. Independent adjuster – Often serves multiple insurance companies, especially after large disasters when carriers need additional staff. They work to protect the interests of the insurance company.

Rubin and Rosen Adjusters is a public adjuster firm.

Do I really need a public adjuster? Won't the insurance company's adjuster be fair?

Rubin and Rosen Adjusters' materials explain that the insurance company's adjuster is employed by and committed to the insurance company and its financial results. In their experience, the company adjuster often aims to contain costs and may favor repair instead of replacement where possible. Hiring a public adjuster means you have a professional who works on your behalf to present your claim and negotiate the settlement.

Will I lose part of my settlement by hiring Rubin and Rosen Adjusters?

Rubin and Rosen Adjusters states that this is a common myth. They process the claim, work to maximize your reimbursement, and are paid from the settlement. The amount you receive after their fee is often significantly more than what the insurance company would have offered if you handled the claim alone.

Can I hire a public adjuster after my claim has already been resolved or denied?

According to Rubin and Rosen Adjusters, in many cases you can still seek help after a claim has been resolved or denied. New York law generally allows a period of time (a few years from the date of loss) to initiate another claim, subject to the terms of the policy and applicable law.

They note that many clients first approached them after being denied or underpaid, and Rubin and Rosen Adjusters then revisited the case, negotiated with the insurance company and, in some cases, obtained additional compensation.

Who typically uses public adjuster services?

Homeowners, business owners and professionals such as accountants and even other insurance professionals may use public adjusters. Clients who have used a public adjuster once often prefer not to handle significant claims without professional representation in the future.

Can my insurance company cancel my policy if I hire a public adjuster?

Rubin and Rosen Adjusters explains that under New York law, an insurance company may not cancel your policy simply because you hire a public adjuster. Policyholders have the right to obtain professional claim representation.

Will a public adjuster get me a larger settlement?

The materials from Rubin and Rosen Adjusters state that public adjusters often obtain higher settlements than policyholders who handle claims on their own, because public adjusters:

• Are trained in negotiations.
• Engage engineers, appraisers, accountants and other professionals when needed.
• Carefully assess the site of loss and document the full extent of damage.

They also note that studies have indicated that claims without public adjuster assistance are often not processed to completion.

Do Rubin and Rosen Adjusters offer legal advice?

Rubin and Rosen Adjusters is not a law firm and does not provide legal counsel. They are knowledgeable about insurance laws and regulations that govern the claim process and often advise or coordinate with attorneys on insurance claim matters.

For questions about your specific situation, timelines under your policy, or your legal rights and options, you should contact Rubin and Rosen Adjusters directly and, where appropriate, consult with a licensed attorney.

Ask anyway — the agent will say plainly that it is not published rather than guess.