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 […]
What To Do When Your Insurance Company Denies Your Claim
A denial letter from your insurance company is not the end of the conversation. It feels like it is. Official letterhead, specific policy language, a conclusion that reads like a verdict. Most policyholders read it once, accept what it says, and never push back. That is exactly what the insurer is counting on. The reality […]
How Long Does An Insurance Claim Take In New York
One of the first questions anyone asks after filing a property damage insurance claim is how long the process is going to take. The honest answer is that it depends on factors that vary significantly from one claim to the next, but there are patterns worth understanding and timelines you have a right to enforce. […]
What Is The Insurance Appraisal Clause And How Do You Use It
There is a provision sitting inside most New York property insurance policies that can resolve a settlement dispute faster than litigation, cheaper than hiring an attorney, and without ever setting foot in a courtroom. Insurance companies almost never mention it. The provision is called the appraisal clause, and for policyholders who have been offered a […]
How To Dispute An Insurance Claim Settlement In New York
Accepting the first settlement offer your insurance company makes is one of the most common and most costly mistakes New York policyholders make. That first number is not a final determination of what your policy owes you. It is an opening position, calculated by an adjuster working from pricing software that consistently underestimates what repairs […]