ORR & BROWN, P.C.
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.
No one ever plans to suffer an insurance loss or is prepared to deal with the claims process. Often, homeowners and businesses incur claims when they may be going through financial difficulties, during the process of a loan modification, foreclosure or a rental lease. These situations affect how your insurance will be addressed and paid. Therefore, it is important that the situation is handled properly from the start of your insurance claim. Our attorneys are experienced in dealing with these financial and lease contract issues. As a result we are able to strongly represent your interests with all the different entities involved, so that your claim is paid and your financial concerns are managed appropriately at the same time.
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:
Unfortunately, sometimes when an insurance loss occurs, the circumstances may be so severe that someone loses their life or gets seriously injured during the event. Whether you are the property owner or a family member of a victim of such a circumstance, we can help. Most homeowner insurance policies offer coverage for the death of a non-resident during an insurance loss. Most businessowner policies offer coverage for persons that are injured or killed on the business premises. We can also help if you suffer an injury in a car accident or while at work. Our attorneys are prepared to handle these claims for you.
In addition to providing professional claims representation for homeowners and 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.
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