Everything You Should Know About Property Damage Claims in NYC

Everything You Should Know About Property Damage Claims in NYC

Whether your residential or commercial property has been damaged, your top priority is most likely repairing the damage at minimal cost to you.  Read on and reach out to our knowledgeable New York City insurance law attorney to learn more about property damage claims and how our firm can assist you. Here are some of the questions you may have:

What should I do if my residential property was damaged?

Unfortunately, oftentimes, when residential properties are damaged due to vandalism, many insurance policies will not fully cover the extent of the damage. In many cases, this is because the property owner did not document the items stolen or destroyed in their policy. Additionally, after experiencing property damage, you may encounter deductibles and coverage limits, thereby preventing you from truly receiving the coverage you need. If your residential property, such as your home, has been vandalized or burglarized, you should speak with the police immediately and send the police report to your insurance company. You should then work to obtain proof of all items that were stolen. If you do not have proof, then this may be a moot point, however, it is always best to be proactive and take pictures/videos of all items in your home so that you can truly prove you owned them, should an event such as this occur.

What should I do if my commercial property was damaged?

When someone’s commercial property, such as their place of business is vandalized, it is critical that they take swift action to document the incident by calling law enforcement and obtaining a police report, and then send the police report to their insurance company. As a business owner, this is why it is always best to take stock of all your inventory before any event such as this occurs, as you will often have to prove the extent to which your property was stolen/damaged. That being said, if your policy does not cover the extent of the financial cost of your property loss, our New York City property damage attorney is here to help you through every step of the process ahead. If you have any additional questions, simply pick up the phone and give us a call today.

Contact our experienced New York City firm

The Law Office of Craig A. Blumberg is an experienced New York City insurance law firm. If you require quality assistance after having suffered a property loss due to a fire, a flood, a severe storm or a robbery, please do not hesitate to contact our firm to schedule a free initial consultation. A knowledgeable attorney on your side in your time of need can make all the difference.