Property losses, first or third party, are billed either on time and expense or a flat rate.

Flat rate billing is available for claims in all five boros of New York, and Ocean, Monmouth, Middlesex, Somerset, Essex, Hudson, and Bergen counties of New Jersey.

Flat rate billing is available for all property claims where the gross loss does not exceed $50,000. All gross property losses over $50,000 are time and expense billed.

Claims are handled based on 24 hour hour contact and a 48 hour inspection. Report diaries are based on a first report within 15 days and a 30 day diary for any supplemental reports.

Property repair estimates are computerized. Documentation includes all relevant forms, municipal reports, and sufficient photos to substantiate scope of loss.

Fees are based on time and expense or a flat fee schedule. The flat fee schedule is for all property claims except burglary claims, and is available on request.