Reimbursement and Insurance Options
We are committed to evaluating all claims presented in a responsive and fair manner. It is our goal to investigate and render a decision on your claim within 30-45 business days from the date the completed claim form and proofs of loss are received by the Corporate Claims Department. More complex claims may take longer but you will be advised accordingly.
If we are responsible, we will pay for the reasonable cost to repair the items we damaged. If you have replaced items, we will pay you the Actual Cash Value (ACV) of the original item, which is determined by today’s replacement cost minus depreciation.
As another option, you may choose to file a claim with your insurance company to reimburse you for your loss, less your deductible. Your insurer may then choose to present a claim to us to recover compensation paid to you. Your insurer may be able to reimburse you for your losses without investigation and may, in some cases, pay full Replacement Cost Value (RCV) for damaged items, less your deductible. Please note, if you decide to go through your own insurance carrier and are reimbursed by your carrier, you cannot seek reimbursement from PSEG Long Island.
Limitations of Liability
PSEG Long Island operates the electric transmission and distribution system and serves as the claims agent on behalf of the Long Island Power Authority (LIPA), a not-for-profit. PSEG Long Island, like all other utilities, cannot guarantee continuity of service. This is outlined in the Long Island Power Authority Tariff for Electric Service. This tariff is filed with, and approved by the State of New York. Therefore, PSEG Long Island will not be liable for damages caused by certain occurrences that are beyond our control.
Some common causes of claims for which PSEG Long Island does not pay are:
- Acts of God like weather-related conditions (ice, wind, lightning) and animal contacts (squirrels & birds)
- Equipment failure
- Damage to PSEG Long Island equipment by others
How to File a Claim
If your damages or losses have occurred as a result of other reasons, you must complete a claim form and return it along with your proofs of loss (i.e. photos, invoices, repair bills, estimates).
- Download Property Damage Claim Form
The completed claim form and proofs of loss can be submitted via:
- email: PSEGLongIslandClaims@pseg.com
- Fax: 1-516-949-8461
- Mail: PSEG Long Island LLC, Claims Department, 175 E. Old Country Road, Room 1-01, Hicksville, NY 11801
Please note that any person, who knowingly and with intent to defraud any insurance company or other persons, files a statement of claim containing any materially false information, is committing a fraudulent insurance act, which is a crime, subject to criminal prosecution and civil penalties.
Completing the claim form is not a guarantee of payment. Upon our receipt of the completed claim form and proofs of loss, your claim will be assigned to a Claims Professional, who will investigate your claim and determine if there is any liability on the part of PSEG Long Island. When the investigation is completed, you will be contacted and advised as to our position on your claim.
If you have any questions, please visit our Frequently Asked Questions page or contact us by email or phone:
- Nassau/Rockaways Customers: 1-516-949-8668
- Suffolk Customers: 1-516-949-8669
For additional information on what to do during a power outage, please visit our Outage Information page.