Frequently asked questions
Clear answers.
A better starting point.
A few useful things to know before you begin an insurance consulting conversation.
Before your consultation.
What is the focus of this website?
Long Island Insurance Service presents insurance consulting information and a way to make a consultation inquiry. Topics include personal insurance, business insurance, policy review and renewal preparation. The exact service, availability, scope and any fees must be confirmed before an engagement.
Can I ask about an existing insurance policy?
Yes. Begin by mentioning the kind of policy and the question you would like to discuss. A review scope and an appropriate sharing method should be agreed before you send policy documents or sensitive information.
Do I need to know which service to choose?
No. A short description of your situation is enough for an initial inquiry. For example, you might mention an upcoming renewal, a household change, a business question or a term in your policy that you do not understand.
Are consultations free?
No free consultation or fixed fee is advertised on this website. Any fee, the available service and the scope should be confirmed before you agree to proceed.
Can I buy or change a policy through this website?
This website does not issue policies or complete insurance transactions. An inquiry or consultation does not bind, amend, renew or cancel coverage. Transactions and effective dates must be confirmed through the appropriately authorized insurer or representative.
Should I attach my policy to the first email?
Please start without attachments. Do not send Social Security numbers, medical records, passwords, payment details or policy numbers in an initial inquiry. An appropriate method for sharing any necessary documents can be agreed after the scope is clarified.
What should I do about a claim or an urgent deadline?
Contact your insurer or the authorized representative shown on your policy directly. Do not use a consultation inquiry to report an urgent claim, prevent cancellation, make a payment or meet a policy deadline.
Can I request a phone or online appointment?
Mention your preferred way to speak and any useful availability in your inquiry. The appointment format, timing and service availability need to be confirmed before an appointment is established.
Who is this website intended for?
The website is intended for individuals, families and business owners with insurance questions on Long Island, New York. Any service depends on the type of engagement, applicable licensing and availability. Confirm availability before engaging a service, especially for matters outside New York.
Will a review guarantee that a claim is covered?
No. A review does not guarantee a claim result or establish that every possible risk is covered. Actual coverage depends on the insurance contract, the circumstances and the insurer’s applicable decision process.
Still have a question?
Send a brief introduction and the topic you would like to discuss. Please keep sensitive personal information out of your first message.