Interior Damage Insurance Claim

If your home or business was hit by Hurricane Sandy, you know that wind and water damage can affect every part of a structure’s interior, including:

  • Flooring: Hardwood floors, carpeting, laminate, tile, rugs
  • Walls: plaster, sheet rock, stucco and others
  • Windows and doors
  • Furniture and bedding
  • Fixtures: ceiling fans, wood stoves, lighting
  • Personal effects: clothing and accessories, pictures, important documents and keepsakes
  • Systems: Electrical, plumbing, septic, furnaces, HVAC systems, sewers, water pumps and water heaters
  • Appliances: Refrigerators, freezers, ovens, dishwashers, washers, dryers, gas fireplaces.

Water damage can be especially dangerous when not properly  — and quickly — addressed. Mold, mildew and other health hazards can make your home uninhabitable.

While many homeowners’ insurance policies provide some sort of coverage for these losses, their values are generally subject to Actual Cash Value (ACV) methods and are depreciated when determining reimbursement.  Items of considerable value, such as an original painting or antique furniture, that have not been separately insured will often become “lumped” into a general category for personal items when it comes to reimbursement.

To avoid that, create an itemized list of everything you lost and assign it a value – supported with receipts and photographs if possible.

If you believe an insurance company is not fairly valuing your possessions that were damaged by Hurricane Sandy, turn to the experienced insurance lawyers at Belluck & Fox LLP. Led by Joe Belluck and Jordan Fox, we are committed to helping Hurricane Sandy victims in New Jersey and New York, including residents of Staten Island, Long Island and the Jersey Shore.

We have successfully fought insurance companies – and we have secured more than $500 million for our clients and their families.  Call 212-681-1575 or fill out our online contact form for a free consultation. We’ll get started on your claim right away.