How to File a Third-Party Claim for Property Damage in New York State

How to File a Third-Party Claim for Property Damage in New York State

If your property has recently been damaged by a hazard caused by a neighboring property and your insurance does not cover the damage, you may be looking into filing a third-party claim. If you find yourself in this unfortunate situation, you must read on and reach out to our experienced New York City third-party claim attorneys to learn more about your legal options going forward and how we can help. Here are some of the questions you may have:

What are some of the most common causes of property damage?

There are several different ways in which a neighboring property owner can be held responsible for damages your property has sustained. Some of the most common examples of third-party claims in New York are as follows:

  • Objects falling from a neighboring property onto your property
  • Fires that spread from one property to another
  • Neighboring construction that damages an individual’s property
  • Water damage caused by runoff from a broken pipe or other faulty plumbing

How do I file a third-party claim?

If you are looking to file a third-party claim, the first thing you should do, as long as you are physically capable, is go take various pictures of the damage caused by the incident. If you have “before” pictures, these may help show a comparison as to how exactly your property was damaged. Though of course, your immediate instinct is to clean up the mess and repair any damage, it is always best to document the extent of damage your property sustained.

From here, you should seek damages from your insurance company to ensure their policy covers the full amount of damage your property has sustained from the hazard brought on by the neighboring party. Unfortunately, oftentimes, your insurance company will not cover a sufficient amount of the damage, let alone all of it. When this happens, you should consider filing a third-party claim. That is where our firm comes in. We can help you get the coverage you need to fix your property and move on with your life.

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.