As many New Yorkers know, wind gusts can reach well over 50 mph and cause a great amount of destruction to homes and other property. Extreme winds can easily tear off roofs and pull the siding from buildings, and even uproot the most securely rooted trees. An average hurricane is classified as sustaining winds of 100-150 mph, which is strong enough to knock down power lines.
Even if property owners have purchased insurance policies to protect against wind damage, it is not uncommon for an insurer to deny a valid claim for the sake of making a profit. If your wind damage claim has been denied, or if you are trying to obtain the fair and just payout you deserve, please contact Wingate, Russotti, Shapiro & Halperin, LLP to discuss your case during a free consultation and case evaluation. Call us at (212) 986-7353.
Following a hurricane or windstorm it is vital to act quickly if your home or business has sustained any damage. Document the losses with photographs and keep any receipts for temporary repairs you may have to make on your own depending on how severely the property has been damaged. Contact your insurance provider to file a property damage claim and then consult with an experienced legal team to help you understand your rights and legal options. At WRSH, we have the resources to investigate your claim and determine what is covered by your policy, and in the event that your insurer does not fulfill its obligations, we will defend your claim.
Standard property insurance plans tend to provide coverage for the following costs after a residential or commercial property has been severely damaged by wind:
- Dwelling Coverage – Pays to repair or rebuild the property if damaged by a covered cause of loss.
- Other Structures – Pays for damages to detached structures, such as sheds, fences, and garages on the property.
- Loss of Use Coverage – Pays for living expenses and housing while the property is under repair.
- Business Interruption – Pays for profits that would have been earned or operating expenses still incurred during repairs.
Unfortunately, even if your policy ensures that you will receive certain coverage after a disaster the insurer may be unwilling to pay out on such expensive damage claims. If your home has been destroyed, you deserve to have the insurance policy you paid for honored by your insurer. Facing the insurance company alone, especially while faced with the stress and frustration of rebuilding, can make a difficult situation even more difficult. With a trusted legal team on your side, the process of recovery can be less stressful and more efficient.
If you believe your insurance provider has acted in bad faith by not fulfilling the binding contract of your insurance policy, contact Wingate, Russotti, Shapiro & Halperin, LLP to fight on your behalf. We can evaluate your claim during a free consultation and begin working on an effective plan of action to ensure that you receive the coverage you need and deserve. Schedule an appointment with us by calling (212) 986-7353 or by completing an online contact form.