During the property claims process the re-construction of the damaged structure becomes a key element in determining the amount of your claim and your ability to rebuild your home or business under insurance company and bank guidelines.
The process includes finding and choosing a qualified licensed contractor that will be approved by your mortgage bank and insurance carrier. We can create a custom construction agreement with that contractor that protects your interests and abides by the requirements of your insurance policy and mortgage bank.
Finally, we can speak with your local building department regarding the proposed re-construction and address any required building code upgrades which may increase the costs of construction. However, the cost of code upgrades may be covered by your insurance policy. Our attorneys possess the valuable experience necessary to manage this entire process to ensure that your you receive all of the benefits of your insurance policy, while protecting your interests with your contractor during the entire rebuilding process.
Of course every homeowner or business does not need help with their insurance claim, but we are here to help the people who may experience the following circumstances:
- NOT ENOUGH INSURANCE COVERAGE TO PAY FOR ALL DAMAGES
- LARGE VALUE CLAIMS (ENTIRE HOUSE/FOUNDATION/ROOF)
- NO INSURANCE COVERAGE AT THE TIME OF LOSS
- NEED A CONSTRUCTION CONTRACT FOR CONTRACTOR/BANK/INSURER
- CLAIM IS UNDER INVESTIGATION
- CONSTRUCTION PROBLEMS OR DISPUTES WITH A CONTRACTOR
- INSURANCE COMPANY IS DELAYING PAYMENT ON YOUR CLAIM
- YOU ARE IN FORECLOSURE OR LATE ON MORTGAGE PAYMENTS
- YOU HAVE NOT BEEN PAID FOR ALL OF YOUR CLAIMED DAMAGES
- A COMPLEX CLAIM WHERE YOU NEED HELP/EXPERIENCED REPRESENTATION
- YOU ARE REQUIRED TO APPEAR FOR AN EXAMINATION UNDER OATH
- CLAIM IS WRONGFULLY DENIED
- YOU NEED HELP UNDERSTANDING YOUR RIGHTS UNDER YOUR INSURANCE POLICY AND THE LAW
- YOUR CLAIM INVOLVES PERSONAL INJURIES OR LOSS OF LIFE
- YOUR CLAIM INVOLVES ARSON OR LEGAL CONCERN
Unfortunately, sometimes when a loved one dies, family members are unaware or far away. This often results in that person's insurance policies being forgotten and beneficiaries do not receive monies they were entitled to. As insurance companies often don't have current contact information for beneficiaries or are not even notified when a death occurs, they withhold payment on the insurance or investment policy until they can find the intended beneficiaries. However, often these beneficiaries are not found after several years and the proceeds of the policy or investment go unclaimed. We help everyday people who are trying to collect benefits due from a relative's policy or investment and are unable to obtain necessary documentation or facts to present a claim for unclaimed funds successfully.
Sometimes, people sell their home or move away after making an insurance claim and don't receive the full proceeds of their claim because the insurance company cannot reach them. Those claim proceeds often go unclaimed as well. We can help you find and collect nclaimed money from lost insurance policies, expired claims and unclaimed investments. Our firm offers free consultations, so you can come in and speak to us regarding insurance policy or investment proceeds you believe you may be entitled to. It is important to us that you get your questions answered and that you get help to collect any unclaimed funds whether you are a beneficiary, family member or trusted friend. We are prepared to investigate and handle these claims for you from start until finish.
PROPERTY INSURANCE LITIGATION
Our firm possesses the knowledge and expertise to professionally represent your interests in every type of property insurance claim at any stage in the process, including litigation. Our experience includes representation for claims involving FIRE, WATER, FLOOD, PIPE BREAK, BUILDING COLLAPSE, CONSTRUCTION (Builder's Risk), OIL LEAKS, TREE DAMAGE, CHEMICAL SPILLS, LOSS OF BUSINESS INCOME, LOSS OF RENTAL INCOME, DAMAGE FROM A NEIGHBORING PROPERTY, WINDSTORM, HURRICANE, THEFT and more.
Our attorneys have obtained millions of dollars in settlement funds for our clients over the past 15 years, whether through the negotiation of full value claim settlements or through the litigation of denied or undervalued claims against insurance companies in Court. Only a licensed attorney can represent you against your insurance company in a Court of Law.
It is most important that you contact us as early as possible in the claims process. Once we are able to examine your claim through our free consultation, we can help you to avoid many common claim problems and pitfalls, as your legal representative throughout the claims process. YOU WILL NEVER BE REQUIRED TO PAY US ANY MONEY OUT OF YOUR POCKET.
Our fees are paid out of your insurance claim, by your insurance company, NOT FROM YOUR PERSONAL SAVINGS. Usually, we visit your property early in the claims process to inspect the property damage and the cause of the loss. Our primary goal as your representative is to get your claim paid quickly and for its full value. Litigation is only used as a last option, if your insurance company denies your claim or simply refuses to pay its full value, as required by your insurance policy.
In addition to providing professional claims representation for everyday people, property owners and commercial businessowners throughout New York State, our firm provides many related legal services so that we are able to offer our clients a complete representation of their insurance claims or any other legal matters within our areas of practice. If you are unsure as to whether your legal matter is within our practice expertise, please feel free to contact our firm to discuss your legal needs.