Legal Question in Insurance Law in New York
Are victims of Superstorm Sandy in NYS able to collect under a homeowners policy for loss of use claims due solely to flood damages? I have been in temporary housing since the storm while I complete rebuilding. The insurance company feels that the event is not covered therefore my loss of use claim is invalid.
1 Answer from Attorneys
Unfortunately, with most policies of insurance, especially the disreputable ones, we have a recurring scenario of bad faith disclaimers having no relation to policy coverage articles. You require an attorney to review your policy and disclaimer; review court decisions regarding the interpretation of those provisions and attempt to negotiate a settlement in your favor if there is any possibility. We usually have this problem with Allstate and litigation is usually your only venue. You may contact me if you wish.
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