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Burst Pipe Case – Hidden Water DamageA homeowner in Smithtown came home from vacation to find their basement flooded due to a burst pipe.
Their insurance company initially offered $45,000, claiming most of the damage was “wear and tear.”
When Jerry Kotler took over, he brought in specialists to document hidden water damage behind the drywall, under the subfloor, and inside the HVAC system.
After detailed negotiation and multiple inspections, the final settlement reached $210,000 — nearly five times higher than the insurer’s first offer.
“We were ready to give up until Jerry stepped in. He found damage we didn’t even know existed!”
— Homeowner, Smithtown NY, 2023
Fire Claim – Total Home LossA family in Huntington lost almost everything in a late-night electrical fire.
The insurance adjuster’s initial estimate was $180,000 for structure and contents — far below the true rebuilding cost.
Jerry Kotler and his team carefully listed every item lost, from furniture and appliances to family keepsakes.
He personally coordinated inspections, gathered contractor estimates, and fought for the full policy limits.
Final payout: $890,000 — enough to rebuild completely and start fresh.
“Jerry treated our home like it was his own. We didn’t just get compensated — we got our life back.”
— The Reynolds Family, Huntington NY, 2009
After a severe storm, a massive oak tree crashed through a Bay Shore home’s roof and living room.
The insurance company called it “partial damage” and offered $35,000.
Jerry inspected the property himself and proved that the structure, insulation, and electrical wiring were all compromised.
He prepared a comprehensive claim with detailed engineering reports.
Final settlement: $178,000, enough to rebuild with upgraded materials and storm-resistant reinforcements.
“Jerry fought for every dollar. Thanks to him, our new roof and structure are stronger than ever.”
— L. Martinez, Bay Shore NY, 2012
Burst Pipe – Winter Freeze 2017During one of the coldest winters in 2017, a family in Commack, NY, woke up to find several frozen pipes had burst overnight, flooding their kitchen and basement.
Their insurance adjuster offered just $28,000, claiming most of the loss was “preventable.”
When Jerry Kotler took over, he meticulously documented the real cause — a power outage that froze the main water line — and uncovered mold growth behind walls the insurer had ignored.
After two months of steady negotiation, the claim was settled for $142,000.
“Jerry turned a hopeless situation into a victory. He fought every excuse the insurance company threw at us.”
— Patricia & Glenn Roberts, Commack NY, 2017
House Fire – Electrical Fault 2015In 2015, an electrical fire severely damaged a Massapequa family’s kitchen and attic.
Their insurance company’s first offer was $96,000, which wouldn’t even cover the rebuilding cost.
Jerry Kotler personally handled the entire process — from fire investigation reports to contractor estimates — proving the true value of the damage.
By the end, the settlement reached $410,000.
“Jerry was our lifeline. His attention to detail and persistence made all the difference.”
— James & Linda Caruso, Massapequa NY, 2015
In 2016, a small jewelry store in Queens, NY, was broken into overnight.
The thieves cleared out showcases, smashed glass displays, and took nearly everything — including custom gold pieces and valuable diamond inventory.
The store owner filed a claim with their insurance company, only to be offered $5,000 in compensation.
The insurer argued that the security footage was “incomplete” and claimed there was “insufficient proof of loss.”
Completely devastated, the owner reached out to Jerry Kotler, a highly respected Public Adjuster known for taking on tough cases.
Jerry immediately reviewed the case, inspected the crime scene himself, and worked closely with law enforcement and the store’s suppliers to document every missing item.
He tracked invoices, catalog records, and even recovered product IDs from previous repair orders — building an airtight proof of loss package.
After months of negotiation and relentless follow-up, Jerry forced the insurance company to honor the full coverage.
The final settlement: $285,000.
“We were shocked when the insurance company said they’d only pay $5,000. Jerry didn’t just help us — he saved our business. He fought until we got every dollar we were owed.”
— Owner, Golden Crown Jewelers – Queens, NY (2016)
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