lawyer for property damage claim dispute with insurance?

hi,
looking for advice on a good attorney to represent me in an ongoing battle with my insurance company over the damage from a stolen car wrecking into my townhome’s stoop. insurance as of now is basically offering sub-repair cost and a structural engineer is saying the entire structure needs replaced, so obviously a wide gulf in opinion but insurance is standing firm. i guess i dont have any other options at this point. really appreciate any help!

solehappy

in General Discussion 4 years and 5 months ago

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cate | 4 years and 4 months ago

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Let’s call a draw or truce so I don’t have to start deleting comments. Thank you!

restorationcontractor | 4 years and 4 months ago

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I guess lucky for me then that your opinion is worthless.

hkapstein | 4 years and 4 months ago

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Ok you got me. I don’t think you know what you’re talking about.

restorationcontractor | 4 years and 4 months ago

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Urbandad you have to be joking right???? Your third post in this thread you said and I quote “@restorationcontractor, you don’t know what you’re talking about !”

Notwithstanding the fact that you STILL cannot grasp my responses to OP.

I am not interested in wagering for peanuts, also not interested in giving you my information as I am happily (more or less) married.

Also I don’t “boast” about insurance, I just have to carry it.

Yes everyone I know I am stupid to continue to respond to this, but I don’t like “know it alls” dishing out misinformation to people asking for help. It’s one of the things I really can’t stand about the industry I am in and a big reason why I post on this forum.

Must force myself to turn off Forum notifications…….

hkapstein | 4 years and 4 months ago

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I didn’t say you don’t know what you’re talking about. I said you’re too expensive. And I need to respond to your insinuation that I’m using uninsured day laborers. That is not the case, I’m willing to wager my payroll, insurance, and paperwork is much cleaner than yours and your subs. Can you post your GC registration number? I’d like to see what kind of insurance you’re boasting about all the time.

greenworks | 4 years and 4 months ago

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@cookthebooks I’m sorry I keep referring to you as stickerhappy. Please insert cookthebooks anywhere I said stickerhappy.

Damn that bottle of Pet Nat we had last night clearly is making me foggy this am lol.

greenworks | 4 years and 4 months ago

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All good! I got you now.

@stickerhappy Still, I’m going to leave this with the suggestion for a public adjuster -who will work for the OP on contingency no less! Our friend recently used one with great success when the insurance company lowballed him after he had a major flood.

Please remember, though you pay the insurance company, they still are interested in settling the claim for as little money as possible. It behooves them to lowball you and they count on you to not push back. The initial amount offered especially with these old homes is often far short of what is actually needed to repair.

restorationcontractor | 4 years and 4 months ago

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@Booisgolden LOL sorry, I meant to say that you had tried to explain it to him as well, I see how the post looks now though!
I need to turn off forum notifications!

greenworks | 4 years and 4 months ago

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@stickerhappy before you burn money on an attorney, please consult with what’s called a public adjuster. They work for you and are paid on contingency. Here’s some more info: https://www.bankrate.com/insurance/homeowners-insurance/hiring-a-public-adjuster/

@restocontractor: I’m confused, I generally agree with you and was backing you, not sure where you think I wasn’t. I was the first person to tell UD he needs to go back and read your post since he clearly hadn’t.

Geez, I’m outta here.

restorationcontractor | 4 years and 4 months ago

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@Urbandad before you comment you should actually read my responses to the OP. Obviously reading comprehension is not your forte.
@Booisgolden tried to explain it as well to you but you still don’t get it……

hkapstein | 4 years and 4 months ago

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I can see you’re salivating already about this job. But people need to know that what things really cost. If I were a contractor here, I’d love to get this contract for 50k+ too. And that’s because I can sub it out for 25k. I have received actual recent proposals for this specific work.

Honestly man, what kind of contractor are you if you can’t build a stoop without an engineer? It’s mind boggling. The engineer on this projects is for jambing the insurance company, and perhaps for permits.

An by the way OP, if some drunk drive hit your stoop, frankly you should be entitled to have it repaired to the condition it was in before the damage. The question is, whether you’re better off to spend 5k on a lawyer to maybe get an extra 10-20k out of the them, right?

restorationcontractor | 4 years and 4 months ago

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@Urbandad you really need to give up on this.

Now OP should shop around for another engineer?

Insurance company is giving pushback, must be OP’s engineer doesn’t know what he is doing because insurance companies are always honest and love to pay out full value for a claim with no hassle whatsoever.

I could get the stoop done over the weekend for 50 bucks with my buddies and a couple cases of Budweiser.

Run Forrest run!

hkapstein | 4 years and 4 months ago

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Look, try to have another engineer take a look. An engineer might say clear everything out and I’ll design a new construction for you, that’s the easiest for them. But there’s a reason you’re getting pushback here from the insurance co. I can tell you, I could get a stoop built for 25k, and I know specifically for this type of project, and full stoop rebuild and have priced it in detail. Maybe others cannot, that wouldn’t shock me.

solehappy | 4 years and 4 months ago

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issue is that the stoop was knocked off its old soil footings. insurance company claims the jeep running into it has nothing to do with that, which is absurd to me.

so now i am moving onto the full replacement value insurance i pay for here will not get a licensed insured contractor to pull the proper permits and fix this issue for what they are offering.

restorationcontractor | 4 years and 4 months ago

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@Urbandad YOU have no idea what you are talking about. Bring in your uninsured, unpermitted day laborers to do work until you get caught by DOB or someone gets hurt and then see how much that costs.

I simply offered advice to the OP about a situation that I understand as I just dealt with something similar. I am not sure how in your mind this equates to “getting me and my friends paid”?

If you bothered to read my post what I said was he should look for everything that he can to come up with as large a number as possible then settle for an amount that will allow him to hire a licensed and insured contractor to do the work properly. Any foundation work in NYC is technically required to have soil testing. This is about how to get adequate compensation from the insurance company nothing else.

In the future before you “call me out” stick to calling everybody on the eastern seaboard to price trimming out a few doors for yourself before you tell me a licensed, insur ed contractor with over 35 years in the construction/restoration business that I don’t know what I am talking about.

greenworks | 4 years and 4 months ago

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I personally wouldn’t equate the skills/cost involved with excav/underpinning with that of a brownstone stoop rebuild but there it is.. scale of excav/underpinning much greater and PITA than bstone stoop but there’s a *teeny* bit more art and different skill involved, depending on how ornate your brownstone work is. Less access issues for sure with stoop but more nosy neighbors to see and call DOB on you for unpermitted work if you’re in that type of neighborhood, which most of you are.

In our nabe you could build a four story addition made of toothpicks and tar, store gasoline in it and host smoking parties with a fire pit and your neighbors would only call DOB if you murdered their sister (and maybe not even then). Others, a neighbor sees a bucket come out of your basement and the next day there’s an LS-4 on your door.

Anywhoo, I realized I went far afield from OP’s original question:

I would talk to an adjuster before an atty. Our friend just used one in his own dispute with insurance company. I can reach out to him and see if he was happy. If so will post info.

Guest User | 4 years and 4 months ago

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As with everything one can pay $5 or $25 but one should probably make sure structural work is not required with an engineer before deciding whether to file or not. However before embarking on structural work, I think it’s sensible to know if it’s required. Whether to file permits or not is a personal decision. I understand Urbandad’s perspective on filing – I paid a heavy price for doing everything by the book.

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If you can build on old footings you absolutely should. Otherwise please take precautions before, during and after, and make sure the soil is compacted correctly, or it’s highly likely the new stoop and the old house will have “settling” and be crooked with related damage.

hkapstein | 4 years and 4 months ago

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If you do a renovation some things will always be under the radar if you like it or not, unless maybe it’s a total gut. Would you file structural plans and TR1s to sister or a add a joist? Even when plans are filed, what is actually done and signed off may not be exactly what was in the plans, but the inspector may not notice or know the difference and this happens all the time. Once the stoop is rebuilt, who could or would ever question it? It would comply perfectly with any plans on file at DOB, and it won’t raise your property taxes like filing a new stoop would.

Now usually the stoop is partly on city property. Check your survey. If the stoop is gone and you’re building a new one, do you need a revocable consent for it? Do you need to pay annually to lease sidewalk space for a new stoop, when a repaired stoop would continue to be grandfathered? Is part of the stoop in front of a neighbor’s property who might have something to say about it? Or are you willing to be a little more liberal about the permits when you’re the one paying.

If the insurance company will p ay for all this, then by all means, file paperwork to the moon and back and have them buy you breakfast. I’ve excavated and underpinned an entire brownstone for less than 30k with all the paperwork. So if you’re telling me you can’t build a stoop in front of your house where there is easy street access for materials and far less engineering, shoring, and safety requirements, I just don’t buy it.