New York Insurance Claim Lawyers

Property Damage Claim Lawyers

The Property Damage Claim and

Insurance Recovery Lawfirm for

Policyholders

Insurers have a team to fight for them...do you?


CREATIVITY

CLAIMS WE HANDLE​

  • Insurance Bad Faith
  • Property Damage Claims
  • Windstorm Claims
  • Fire Claims
  • Collapse
  • Water Damage
  • ​Broken & Frozen Pipes
  • Smoke & Puffback Claims
  • Construction Damage
  • Examination Under Oath
  • Appraisal
  • Uninsured Losses​
  • All Insurance Carriers
  • ​Home & Business
  • Cyber Claims
  • Appraisal Disputes
  • ​Declaratory Judgement

PROTECTIVE SAFEGUARDS CLAIMS AND DENIALS​

LET US FIGHT FOR YOU.

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www.damageclaimlawyer.com

At AGULNICK KREMIN, we're dedicated to ensuring you and your loved ones can rest easy knowing that we're here to help if you have a denied claim, underpaid claim, uninsured loss, or property damage. 

As New York Insurance & damage claim lawyers serving clients on Long Island and throughout City area, and the rest of New York, we understand how difficult it can be when you have had a loss.  We represent policyholders in claims with their own insurance companies, and negligence claims for property damage, and have the experience to bring you success.  

CONTACT US TODAY.


PROTECTIVE SAFEGUARD WARRANTY LAWYERS 

Protective Safeguards requirements are extremely important components of many insurance policies.  Protective Safeguards are considered warranties under an insurance policy and essentially act as a condition precedent to coverage for related loss.  With Protective Safeguard requirements, the devil is in the details and the failure to comply can result in a loss being uncovered.  

Some common protective safeguards required in insurance policies are fire suppression system, "Ansul" system for restaurants and cooking establishments, and burglar alarm.  Many require supervisory service and central station monitoring.  It is important that every policyholder know exactly what protective safeguards are required before there is a loss.  However, it is possible in many situations to overcome a denial on such grounds and for that reason it is essential to consult with an attorney with specific experience with PS cases, and whose prior cases have been cited as authority throughout New York.

The typical exclusionary language for protective safeguard provisions is as follows:

The endorsement also adds the following language to the Exclusions section of the Commercial Property Conditions Form:

We will not pay for loss or damages if, prior to the loss, you:
Knew of any suspension or impairment in any protective safeguard listed in the Schedule above and failed to notify us of that fact; or
Failed to maintain any protective safeguard listed in the Schedule above, and over which you had control, in complete working order.
If part of an Automatic Sprinkler System is shut off due to breakage, leakage, freezing conditions or opening of sprinkler heads, notification to us will not be necessary if you can restore full protection within forty-eight hours. 

CONTACT OUR OFFICE TODAY

DEDICATION
KNOWLEDGE
EXPERIENCE

A RECORD OF SUCCESS - MILLIONS RECOVERED 

Y v. P Ins. Co - $9M recovered for residential fire insurance claim on Long Island.

EY v. Ins. Co  - Following a major homeowner's insurance claims, disputes arose regarding a variety of aspects of coverage and the insurance company's deficient payments and bad faith..  Litigation was commenced n Federal District Court and resolved prior to trial.  Settlement payments exceeded $1.75M

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www.damageclaimlawyer.com