Fire Losses Water Damage Losses Earthquake Losses Sinkholes Burglary/Robbery Losses Vandalism Losses Rain Losses Smoke Losses Windstorm Losses Mold Damage Employee Dishonesty Losses Mechanical Breakdown Losses Property in Transit or Cargo Losses Plumbing Leaks and Broken Pipes Licensed by the state of New York, Empire Adjustment, LLC is an insurance claims Firm who advocates for the policyholder in appraising and negotiating a first party insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during a property insurance claim process.