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Hurricane Sandy Insurance Complaints Brewing in New York

Hurricane Sandy Insurance Complaints Brewing in New York

Policyholders struggle in superstorm’s aftermath

In October 2012, Superstorm Sandy wreaked havoc on the eastern United States, one of the most populated regions of the country. Communities were devastated and homeowners, business owners, and others lost their property and/or livelihoods. Two months later, hundreds of thousands of storm-affected people are still trying to put their lives back together.

After the initial shock wore off, people started filing insurance claims for their losses. In some cases, this amounted to total replacement of their homes, cars, possessions, and even land damage.

The total damages of the storm were estimated at a staggering $50 billion.

Insurance claim problems hit home in New York

Unfortunately, Hurricane Sandy created a superstorm of issues with insurance companies.

Claims are being delayed, denied, or undervalued.

Some insurance companies are telling policyholders that they have to pay a “hurricane deductible,” which is typically more than the standard deductible. They are doing this despite the fact Governor Andrew M. Cuomo declared that hurricane deductibles will not apply to damage from Superstorm Sandy because wind speed was not at hurricane-force when the storm hit New York.

Other issues rest on the alleged causes of loss. Whether it was determined that wind, rain, or flooding caused the damage may make a difference. An insurance policy may cover some causes but exclude others.

New or ambiguous limitations may have been slipped into the policy that the policyholder was not aware of.

Valuation of property is a complicated and significant issue and Hurricane Sandy victims should not accept either an insurer’s denial of benefits, or a valuation believed to be unfair, without getting a second opinion and/or the help of a lawyer.

Getting help with insurance company claims

Insurance companies are driven by profit, but they have a legal duty to act in good faith when it comes to investigating, valuating, and paying claims. That’s the law. When an insurer acts unreasonably, they may be held accountable.

When dealing with insurance companies, many people hire a professional law firm, like The Perecman Firm, to do the worrying and the work for them.

Lawyers at The Perecman Firm know how to deal with insurance companies. They have fought big insurance companies continuously since 1983, with a track record of success that few law firms can match. Visit our Hurricane Sandy Lawsuit page for more information.


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