New York Property Damage Attorneys
Whether by natural forces or human error, our property is always susceptible to damage and destruction. From fires and floods to theft or vandalism, your home or business could suffer serious damage that may cost tens of thousands of dollars to repair or replace. And with fires, floods, and hurricanes happening on a yearly basis across the United States, your home or business is always at risk. In fact, the 2017 hurricane season alone caused over $200 billion in damages, and Superstorm Sandy that hit New York in 2012 caused $73.2 billion in damages. When catastrophe strikes and your property suffers damages, it’s important to act quickly to maximize your chances of recovering the compensation you need from your insurance company of the responsible party. And while you should act as soon as possible, you shouldn’t do it alone. If your property has been damaged, contact the New York property damage attorneys of Hach & Rose, LLP to get the assistance you need in securing the compensation to replace what has been damaged or lost.
If you are a home or business owner, you more than likely have insurance to protect your property in the event of a catastrophe. For most property owners, these insurance policies don’t always cover all disasters that threaten your property and physical belongings. For example, floods and earthquakes can be excluded from basic coverage and typically requires property owners to purchase additional coverage to protect them from these types of natural disasters, especially if you live in a floodplain. In addition, some insurance companies act in bad faith, often delaying or denying claims to avoid paying damages. When this happens, you and your family may be facing a scary future full of uncertainties and stresses.
No matter how much money or physical labor you’ve put into your property there is always a risk it could suffer serious damage at any moment. Surveying the damage to your home or business after a storm or fire can leave even the strongest people in a state of panic or despair, wondering how they’re going to be able to move on. At Hach & Rose, LLP, we want you to know that in these times of struggle you are not alone. Our skilled legal professionals have committed their lives to standing up for the rights and well being of everyday people in our community and will help you fight to secure the compensation you need to rebuild and move on with your life. Contact a New York property damage attorney today by calling (212) 779-0057 or fill out an online form.
Why Choose Us
At Hach & Rose, LLP, our team of experienced lawyers is prepared to help you with your property damage claim. With extensive experience and the resources you need, we wake up and go to work every day to fight for people just like you. Not only do we have experience handling all types of property damage claims, but we also have the determination to keep fighting until you get the compensation you need from your insurance company or the responsible party. If your home or business has been damaged and you are now having trouble recovering the compensation you need to repair or replace it, you need a lawyer that understands the legal process and how to go about proceeding with your case to maximize the results. Contact us today and schedule a free consultation.
Cases We Handle
After a natural disaster or other catastrophe reduces your property to tatters, it’s common for many home or business owners to assume their insurance policies cover all damages without any problems. Unfortunately for these many property owners, they aren’t always sure what their policies do or don’t cover, leaving them vulnerable to disputes with their insurance companies. By working with a professional legal representative, they can go over your insurance policies to see exactly what you are owed following a fire, flood, burglary, or another disaster.
At Hach & Rose, LLP, we handle a number of different property damage cases, both caused by natural disasters or human error. Contact us today if your home or business has suffered from any of the following:
- Hurricanes or tropical storms
- Fire or smoke damage
- Mold or bacteria
- Cracks in your foundation
- Construction defects
- Pipe bursts
- Land that is sinking or caving in (subsidence)
If you purchase homeowner’s or business insurance and pay your monthly or yearly premiums on time, you expect your insurance company to hold up its end of the deal in the event of a disaster. Unfortunately, insurance companies may try and take advantage of you in your time of need by either claiming your policy doesn’t cover specific damages or by paying you a fraction of what you are owed. Insurance policies are meant to protect you in the event of a tragedy, but who is protecting you from insurance companies that choose to act in bad faith? You need a property damage attorney by your side every step of the way to go over your policy and claim and make sure you get what you need to rebuild and move on with your life.
Bad Faith Insurance
We’ve all seen insurance companies commercials where they claim it’s their job to have your best interests in mind; the sad reality is they are a business. And like any other business, they want to maximize profits and hold on to as much money as possible. This leads to many instances of companies or agents acting in bad faith and doing anything in their power to not fully reimburse you for your losses after a catastrophe. This includes a number of actions from failing to assess your property damage to denying your claim altogether properly. When this happens, not only is it considered bad faith, but it can also be a civil injury, giving policyholders the right to take legal action and sue for statutory damages.
Frequently Asked Questions
For a number of home or business owners, this may be the first time they’ve ever dealt with insurance companies, lawyers, or the legal business in any capacity. Because of this, many of our clients have a lot of questions, and rightfully so. At Hach & Rose, LLP, we are here to talk about your case and answer any question you have about your rights. Below are the answers to three questions we are commonly asked. If you have any additional questions, don’t hesitate to call us or fill out an online form.
Will my case go to court?
When you purchase an insurance policy, it is similar to purchasing any other product. This means you have a legal right to expect the product to work in accordance with its warranty and advertisement. Insurance policies promise to pay you in the event that the insured property is damaged, and when they don’t hold up their promise, we take that very seriously. In some instances, this may mean taking your case to court. Every case is unique and in many instances we are able to work out a settlement with your insurance company, but if they won’t cooperate or don’t compensate in a way we feel is fair, we are prepared to move to court.
How much does it cost to hire a property damage attorney?
We know that the aftermath of a hurricane, fire, or another disaster that cause serious damage to your property can leave you feeling financially strapped, and the thought of another expense for an attorney may seem out of the question. At Hach & Rose, LLP, not only do we offer 100 percent free and confidential consultations to go over the details of your case and talk to you about your legal rights, but we also work on a contingency fee basis. This means that we do not accept any legal fees unless we win your case and get the compensation you need.
How should I communicate with my insurance adjuster?
First and foremost, you should never lie to your insurance adjuster or embellish any damage costs. Be as honest, respectful, and cooperative as possible when dealing with your insurance company. However, because insurance companies often look for any detail to use against you to deny coverage or reduce the amount of your claim, we suggest communicating with them through writing only. Not only does this reduce the risk of having to answer questions in person or having your words twisted, but it also gives you a record of all correspondence to potentially use if your case goes to court.
Contact Us Today
For many property damage victims, they may assume they can handle the aftermath of a natural disaster or other “act of God” without any troubles, especially if they’ve never had to file a claim with their insurance company before. Unfortunately, this process can be extremely complicated and can be even more frustrating when insurers act in bad faith or fail to fully reimburse you. That’s why you need an experienced and committed attorney with the skills, legal tactics, and knowledge of the industry to fight for you. At Hach & Rose, LLP, our New York property damage lawyers will work round-the-clock to get you the compensation you deserve so call us today at (212) 779-0057 and take the first step in replacing your property and rebuilding your life.