Residential Property Damage Claims

New York Residential Property Damage Claim Attorneys

Representing New York homeowners when filing property damage claims

Property damage can be a devastating event in a homeowner’s life. When people face these terrible situations, they trust in the insurance policy that they have paid premiums towards will help them build their lives back to what it was before the incident. Unfortunately, your major life event is just routine business to your insurance company. To them, your claim is just a negotiation and their goal is to pay you as little as possible. When you are impacted by property damage, you need an experienced insurance claim attorney with significant knowledge of how insurance companies work and how they use their power to take advantage of their customers. If you are in this situation and need effective representation, contact The Law Office of Craig A. Blumberg.

Property Insurance

Property Insurance is insurance that covers damage to real or personal property. Some of the property that insurance can cover include:

  • Homes
  • Automobiles
  • Businesses

Some of the more common property insurances people are familiar with include home insurance and, especially in New York City, rental insurance. When property damage occurs, you need to protect your rights through the process. Contact our firm if your property is impacted by:

When damage occurs

The Law Office of Craig A. Blumberg appreciates the uncertainty after a property is damaged. The last thing you want is to have to battle an insurance company. Unfortunately, insurance companies will deny claims regularly. Often, insurance companies will say that the damage to your property falls outside the scope of your policy. Other times, insurance companies will provide a low estimate of the damage, leaving you with too little to rebuild. When this occurs, you need legal support that can overturn the denial.

These are complex issues

Property damage claim disputes are inherently complex. Our firm converses with experts in the field of architecture, engineering, and construction to construct the argument that your insurance company is not holding up their end of the bargain. Our firm, with the help of specialists in the field, will analyze the cause of your property damage and the amount of loss to ensure that your rights are met.

In addition, the language of your policy may be the issue at hand. For example, there are covered and uncovered risks in most insurance policies. So, when damage to your property is caused by both uncovered and covered risks, your insurance company will dispute your claim and state that most the damage was caused by uncovered risks. The efficient proximate cause rule states that if a loss is caused by both covered and non-covered perils, the claim should be approved if most the damage was caused by a covered risk. It is important to have the legal support you need to acquire the coverage you need to rebuild your life.

Contact our firm

It is unfair to have to fight your insurance company when you pay for coverage but it is the job of their actors to save money any way they legally can. In most cases, people allow this behavior to occur. Their rights are violated and their homes are left in disrepair until they can fix the damage out of their own pockets. Though the law is on the homeowner’s side in many cases, the insurance companies go unchecked. If your home has been damaged and you believe that the repairs should fall under your insurance policy, contact The Law Offices of Craig A. Blumberg for a consultation. Our firm has years of experience fighting for clients who have been taken advantage of by their homeowner’s insurance company. If you need quality legal services, contact The Law Offices of Craig A. Blumberg for a consultation.