From flooded basements in Queens to wind-torn rooftops in Brooklyn, storm damage in New York can take a serious structural and financial toll. Unfortunately, many homeowners and property owners are then forced to navigate frustrating obstacles from uncooperative insurance companies.
What types of storm damage are typically covered by homeowners’ insurance in NY?
Most homeowners' insurance in New York covers wind, lightning, hail, and snow/ice weight, but flood damage typically requires separate coverage through the NFIP. Ice dam, sewer backup, and mold coverage may have limits or exclusions. We can review your policy to clarify coverage details.
How do I know if my storm damage claim was undervalued?
Be aware of warning signs with your insurance claim, such as repair estimates much higher than the insurer's offer, overlooked secondary damage like water leaks or mold, and failure to account for upgrades needed to meet NY building codes.
Can I file a storm damage claim if the damage worsens over time?
Under New York law, insurers may deny coverage for damages caused by neglect or failure to mitigate. However, you may still have a valid claim if the worsening condition was unavoidable or occurred despite reasonable mitigation efforts.
What should I do if my insurance company denies my claim?
Always request a written explanation of the denial. Under New York Insurance Law § 2601, insurers are obligated to handle claims fairly and provide timely responses. We can examine the denial, identify errors, and pursue an appeal or legal action if your rights have been violated.
Does my policy cover temporary repairs to prevent further damage?
Yes—most standard policies allow for reasonable emergency repairs to prevent additional loss. Actions like tarping a roof or boarding up broken windows are often reimbursable, provided you keep receipts and photographic documentation to support your claim.
How long does it take to resolve a storm damage claim?
Timeframes vary based on the complexity of damage and whether disputes arise. In New York, insurers must acknowledge claims within 15 business days and issue decisions within a reasonable period after receiving all required documentation. We help speed up the process by pressuring insurers to comply with state deadlines and opposing unnecessary delays.
What if a contractor finds more damage after the claim is closed?
You may be able to file a supplemental claim if additional damage is discovered post-settlement. This is especially relevant in NY, where hidden structural issues may surface after work begins.
Can I file a storm damage claim for commercial property in NY?
Yes. Commercial property insurance typically covers damage to business structures, inventory, equipment, and sometimes business interruption. Navigating these claims requires special attention to policy sublimits, exclusions, and deadlines.
