Sewage Backup Insurance Claim: What’s Covered And What Isn’t
Sewage in your basement is not a water damage claim. That is the first thing most New York property owners find out after a backup, usually from an insurance adjuster who is explaining why the standard policy does not apply. The exclusion exists in virtually every homeowner and dwelling policy written in this state. Sewer […]
Water Damage In A New York Apartment Building: What Landlords And Building Owners Need To Know
Nobody buys an apartment building expecting the third floor washing machine supply line to destroy six units on a Tuesday night. But that is exactly what happens, regularly, in New York City buildings, and the building owners who handle it worst are almost always the ones who assumed their insurance would just cover it. It […]
Does Insurance Cover Mold Remediation In New York?
The water damage claim settled three weeks ago. The restoration crew came through, dried everything out, patched the ceiling, and left. Then last Tuesday you noticed something black spreading across the corner of the bedroom wall where the water came through. Now you are wondering if this is covered and the answer you are about […]
Mold After Water Damage: How To Make Sure It’s In Your Insurance Claim
The mistake most property owners make with mold after water damage is treating it as a separate problem that comes after the insurance claim rather than as part of the same claim that needs to be documented and submitted before anything gets signed. By the time mold becomes visible, the water damage claim has often […]
Does Homeowner Insurance Cover Water Damage From A Leaking Roof
Your insurer is not going to tell you upfront that the reason they are dragging their feet on your roof leak claim is because they think your roof was already failing before the storm hit. They are going to send an adjuster, that adjuster is going to spend an hour on your property, and a […]
Burst Pipe Insurance Claim: What To Do In The First 24 Hours
Most people call their insurance company first. That is the wrong move, and it sets up a claim where the insurer’s adjuster controls the narrative before you have had a chance to build one of your own. The sequence matters more than most policyholders realize. What gets documented, when it gets documented, and what gets […]