Long Island Insurance Claim Attorneys

We Handle the Full Spectrum of Insurance Disputes

Insurance issues come in many forms. Whether your claim involves property damage, medical treatment, disability coverage, or business interruption, our attorneys handle them all with the same level of aggressive, skilled advocacy. In Long Island, we frequently help clients with:

Property Damage Claims

Fires, floods, storms, and vandalism are just a few of the causes of property damage in Nassau and Suffolk counties. Our legal team steps in when your insurer downplays the damage, questions the cause, or delays a payout. We ensure your policy is honored and your damages fully documented.

Expect pushback if your claim includes structural damage, mold, or business-related losses tied to your property. We handle claims for:

• Residential homes
• Commercial buildings
• Condos and co-ops
• Investment properties

Homeowners Insurance Disputes

Your homeowners policy exists to protect you when you need it. If your insurance company is stalling or outright denying your claim, we pursue resolution through negotiation or litigation. Common disputes include:

• Denial of coverage for roof leaks or water intrusion
• Underpayment for fire or smoke damage
• Disagreements over actual cash value vs. replacement cost

We analyze every term of your policy to determine the benefits you’re owed—and we don’t back down.

Auto Insurance Claim Disputes

Auto insurance claims involve extensive paperwork, legal rules, and negotiating with adjusters. If you’re being told you were partially at fault, or you’re not receiving compensation for repairs or injuries, we step in. Our lawyers handle:

• Disputes over no-fault benefits
• Uninsured or underinsured motorist claims
• Delays in PIP (personal injury protection) payments
• Damage assessments and total loss disagreements

New York law mandates certain minimum coverages. If your insurer isn’t providing what’s required, we hold them accountable.

Health and Disability Insurance Denials

When you’re ill, injured, or facing a long-term disability, the last thing you should deal with is an insurer’s refusal to pay. We’ve helped clients recover denied benefits for:

• Out-of-network medical care
• Treatments deemed “not medically necessary”
• Denied surgeries or medications
• Short- and long-term disability claims

We handle both private insurance disputes and employer-sponsored benefit denials under ERISA.

Life Insurance Denials

Families rely on life insurance after the loss of a loved one that their finances relied on. If your claim has been denied due to alleged misstatements or missed premium payments, we examine the entire policy history. Common disputes include:

• Contestability clauses
• Lapsed policies due to clerical errors
• Disputed causes of death
• Incorrect beneficiary designations

We approach life insurance claims with urgency, precision, and compassion.

Business Interruption Claims

Many Long Island businesses suffered financial hits from events beyond their control: hurricanes, fires, pandemics, or utility failures. If your insurer denied your business interruption claim or severely limited the payout, we challenge their interpretation of policy exclusions and coverage terms.

We help retail stores, restaurants, manufacturers, and other businesses document income losses, extra expenses, and operational costs tied to the event.

The Tactics Insurance Companies Use Against You

Insurance companies are not your allies. Their priority is to protect their bottom line. They often engage in strategies that delay or deny rightful compensation:

• Misrepresenting policy language: You’re told something isn’t covered when it actually is.
• Blaming you for the damage: They suggest negligence or intentional actions.
• Dragging out the process: Hoping financial stress forces you to accept a lowball offer.
• Cherry-picking evidence: Ignoring expert reports and focusing only on what benefits them.

We know these tactics and we know how to shut them down.

Your Legal Rights as a Policyholder in New York

As a policyholder, you have legal rights—and we enforce them. Your insurer must:

• Investigate your claim fairly and promptly
• Provide clear written explanations for denials
• Pay valid claims within a reasonable time
• Not mislead or pressure you into a low settlement

If they fail in any of these duties, we build a legal case to hold them accountable.

Contractual Rights

Your policy is a contract. You are entitled to the benefits specified in that contract. If the insurer claims otherwise, we review the exact policy language, compare it to their conduct, and demand compliance. If necessary, we seek judicial enforcement.

Protections Under New York Law

New York has strong laws protecting consumers from unfair insurance practices. Under General Business Law § 349 and Insurance Law § 2601, insurers can be held liable for deceptive conduct and bad faith. If they refuse to act reasonably, they risk exposure to damages and legal penalties.

What You Can Recover in an Insurance Dispute

We pursue full compensation for every loss tied to your insurance claim. Depending on your policy and the specifics of the dispute, you may recover:

• Full replacement value of damaged property
• Lost income (in business interruption claims)
• Unpaid medical expenses
• Disability or life insurance payouts
• Penalties and interest for delayed payments
• Legal fees if bad faith is proven

We don’t just file paperwork—we prepare every claim as if we’re going to trial.

Taking Legal Action: What to Expect

If negotiations don’t resolve the issue, we escalate. We handle every stage of litigation:

• Pre-lawsuit demands: Compelling insurers to resolve the claim quickly.
• Filing a civil suit: For breach of contract or bad faith.
• Discovery and expert analysis: Proving the claim’s validity.
• Motions and court appearances: Challenging insurer defenses.
• Settlement or trial: Whatever it takes to secure your benefits.

We communicate with you at every step. You’re never left wondering where your case stands.

Statute of Limitations for Insurance Claims in New York

Every type of insurance dispute has a time limit. If you wait too long to take action, you may lose your right to sue—even if the insurer is clearly in the wrong. In New York:

• Property damage claims: Typically, 2 years from the date of loss
• Disability denials: Varies by policy (some as short as 180 days)
• Life insurance denials: Usually 2 years from the denial or claim date
• Bad faith lawsuits: Usually, 6 years for breach of contract claims

Don’t let a delay cost you your case. Consult us as soon as your claim is denied, underpaid, or ignored.

Choosing the Right Insurance Claim Attorney on Long Island

Not all attorneys understand the complexity of insurance litigation. We do. At Sullivan & Sullivan, we’ve recovered millions for individuals and businesses facing unjust insurance decisions. Here’s why policyholders trust us:

• Deep experience in all types of insurance disputes
• Courtroom-tested litigators who don’t cave to low offers
• Detailed investigations to support your claim with facts
• Respect in the legal community, which gets insurers to listen
• Relentless client advocacy from start to finish

Speak With Long Island Insurance Claim Lawyers Today

You don’t need to fight the insurance company alone. Let us take the burden off your shoulders. Our team is here to review your policy, evaluate your claim, and take swift action. You’ve paid your premiums—now it’s time for your insurer to deliver on its promises.

Call Sullivan & Sullivan by calling (516) 271-1617 or using our contact form to schedule a consultation with a Long Island insurance claim attorney. We’ll explain your rights, your options, and exactly how we can help. And we won’t stop until you receive every dollar you’re owed.