Protect Thy Neighbor: Things to Consider When Having Work Done on your Home

It is very important to understand the rights of property owners.  In Connecticut, the general rule is that a property owner is not liable to third parties for the negligence of a general contractor. For example, if you hire a painting service to paint your house and the painter on the job carelessly gets paint …

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Knowing Your Property Insurance Policy, Part 3

The Appraisal Clause Did you know your property insurance policy likely contains an appraisal clause? Did you know this clause can assist you in resolving an insurance claim? The appraisal process involves estimating or setting a value on a property loss. The process is informal and conducted without a court’s involvement. Appraisal clauses normally provide …

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Biller, Sachs, Zito & LeMoult Sets Precedent in Alleging Unfair Insurance Practices

Rams II, LLC v. Mass. Bay Ins. Co., CV 136043177S 2016 WL 3266084 (Conn. Sup. Ct. May 23, 2016) Judge Wilson In this case, a business owner suffered a loss by virtue of water damage, which the defendant insurer refused to pay for in full. Biller, Sachs, Zito & LeMoult alleged that the insurer breached …

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Knowing Your Property Insurance Policy, Part 2

What is the difference between replacement cost value and actual cost value? It is important to know whether your insurance policy will value your damages, to both the structure and your personal property, on a replacement cost value or an actual cost value basis. These values establish the amount you may recover after a loss. …

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Knowing Your Property Insurance Policy, Part 1

The Declarations Page Your property insurance policy is likely lengthy and encompasses numerous pages of language that may appear daunting to read. It is important to review these pages, even if they may appear irrelevant, to be certain you understand what you have coverage for in the event you need it. The Declarations Page of …

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Has Your Home Suffered Damage This Winter?

The winter is upon us here in Connecticut. Has your home or business suffered property damage due to the weather conditions? Snow, ice or a combination of the two may have caused damage to your property. If so, you must act promptly and responsibly if you hope to file a claim with your property insurance …

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