Property Damage

Fires, theft, hailstorms and other disasters can inflict extensive damage to New Jersey and Pennsylvania homes, autos and businesses. After a disaster, your first call will be to your insurance company to file a claim, but your insurance may not want to reimburse you for the full extent of the damages. Unfortunately, insurance companies may utilize numerous tactics and strategies to deny some or all of your claims.

Ways Insurance Companies Can Refuse or Limit Damage Claims

After a destructive storm, the insurance company may deny some or all of the damages to your home or business and classify them as normal wear and tear or depreciation, which is not covered by your policy. If your home was flooded during a storm, the insurance company may argue that your home's water damage was not caused by the storm, which is covered, but by the subsequent flooding, which is not. If your home or business was burglarized, the insurance company may fight your claim by saying there was suspicion about it.

To protect your rights, you need an experienced business and homeowner insurance claim attorney on your side. At Zenstein, Gallant & Parlow, P.C., our attorneys have experience with all types of damage claims. As a result, we can help you understand your options and file the correct type of claim. Our attorneys know how insurance companies work and the strategies they may use to limit your claims. In other words, our attorneys understand how to get results for you.

Benefit from Our Insurance Knowledge

The attorneys at Zenstein, Gallant & Parlow, P.C., represent clients who have been denied the proper insurance coverage in a variety of cases. Our lawyers have the experience to hold insurance companies accountable and help you obtain the maximum compensation you are entitled to receive under your insurance policy.

Often, fire policies have extra coverage for fire debris removal, tree and shrub replacement, as well as additional living expenses if you are displaced from your home. The insurance company is required to reimburse your expenses to ensure you have the same standard of living you enjoyed before the fire.

Under a business insurance policy, the owner may be entitled to compensation for interruption of business. For example, if fire damages two units of an apartment building, the owner is entitled to compensation for lost rent during repairs.

If an insurance company refuses to deal with you in a fair manner, they could be required to pay attorney fees and other damages, in addition to the amount of your claim.

Bad Faith Insurance Claims

If you are being asked to pay bills that you cannot afford after your insurance provider failed to settle your claim, we can assist you in filing a bad faith insurance claim against your provider. The bad faith claim can help you obtain the funds you need to pay for the damages you sustained.

Contact Us

If your claim has been denied, you can sue your insurance provider. You are careful to send in your monthly insurance payments to maintain your policy, so make sure you have the full extent of your coverage. Whether you want proper homeowner's coverage after storm damage or auto coverage after a car accident, we can help.

To arrange a free confidential consultation with an experienced insurance lawyer, please call us at (215) 568-2900.