O'Connor First
Serving All OfNew York And Vermont
877-886-4029 Toll Free
518-465-0400 New York

Insurance company denies claim not covered in policy

An insurance policy can be a dense document that includes many exceptions and caveats. One of the most common reasons why New York policyholders are shocked when their claims are denied is because they did not take the time to read and understand the information within their policies. One man in another state is currently disputing the denial of his homeowner's claim with his insurance company.

The man owns an 85-acre farm where he raises cattle. When he purchased the property three years ago, he took out a homeowner's policy with State Farm Insurance. Last March, severe storms came through the area, bringing hail that caused damage to the roofs of his chicken coop, barn and equipment shed. When he filed a claim with State Farm, he was surprised to learn the damage to the barn and equipment shed were not covered under his policy.

This is because the man's farm is a business. Since he had homeowners insurance and not farm or business insurance, his policy covers his dwelling and contains a specific caveat denying coverage of any business-related outbuildings, particularly those housing farm animals. The damage to the roofs may reach $20,000, most of which may have been covered if he had purchased the correct form of insurance.

Despite the man's reception of overwhelming support from his social media following, the fact remains that his policy contains an explanation of his coverage. A New York insurance company would be within is rights to deny a claim for a business structure when the policy the homeowner purchased does not cover businesses. When those policyholders attempt to take the matter to civil court, insurers can rely on the experience of an attorney.

No Comments

Leave a comment
Comment Information
Email Us For a Response

Speak To An Experienced Attorney.

High-Quality Representation At An Affordable Price. Contact Us Today.

Learn more about how we can help you by calling the firm at 877-886-4029.

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

  • dri | The Voice of the Defense Bar
  • BEST'S Client Recommended 2018
  • AV Preeminent
  • Bar Register Preeminent Lawyers
  • Lawyer of the Year
  • IADC
  • MPL
  • Best Lawyers
  • FDCC
  • Peer Rated
  • Plus
  • New York State Academy of Trial Lawyers
  • Lawyer of the Year
  • TIDA
  • Best Lawyers | Best Law Firms | US News |2019

NEW YORK OFFICE
20 Corporate Woods Boulevard
Albany, NY 12211

Toll Free: 877-886-4029
Phone: 518-465-0400
Fax: 518-465-0015
Albany Law Office Map

VERMONT OFFICE
507 Main Street
Bennington, VT 05201

Toll Free: 877-886-4029
Fax: 518-465-0015
Map & Directions