Service & Results.

nyc criminal lawyers over 30 years of experienceWe Know How To Win Cases

Spodek Law Group handles tough cases
nationwide, that demand excellence.

Get Free Consultation

Faced 5+ Years in Prison

People Vs Joseph Amico

Covered by NYDaily News. Las Vegas man accused of threatening a prominent attorney and making vile remarks.

Faced 10+ Years in Prison

People Vs. Anna Sorokin

Covered by New York Times, and other outlets. Fake heiress accused of conning the city’s wealthy, and has an HBO special being made about her.

Faced 3+ Years in Prison

People Vs. Genevieve Sabourin

Accused of stalking Alec Baldwin. The case garnered nationwide attention, with USAToday, NYPost, and other media outlets following it closely.

Faced Potential Charges

Ghislaine Maxwell Juror

Juror who prompted calls for new Ghislaine Maxwell trial turns to lawyer who defended Anna Sorokin.

Why Choose Us

Clients can use our portal to track the status of their case, stay in touch with us, upload documents, and more.

Regardless of the type of situation you're facing, our attorneys are here to help you get quality representation.

We can setup consultations in person, over Zoom, or over the phone to help you. Bottom line, we're here to help you win your case.

Law in the Media

View All

NYC Insurance Disputes Lawyer

By Spodek Law Group | August 7, 2018
(Last Updated On: July 26, 2023)

Last Updated on: 26th July 2023, 10:11 pm

After you suffer a major loss, most of the time, your first course of action will be to file an insurance claim. Major losses might be incurred from theft, flooding, fire, or another kind of calamity. If the loss was unexpected, it might have left you shaken and emotionally vulnerable. Filing your insurance claim is the first step to regaining control of your life. But you aren’t a legal expert, so you aren’t sure what rights you have. You’re also worried about putting your trust in your insurance company.
There’s ample reason to distrust your insurance company. Your financial needs and the financial interests of your insurance company are constantly conflicting. Your goal is to receive the maximum possible payout to compensate for the damages you suffered. Your insurance company, meanwhile, doesn’t want to pay for your damages because doing so makes them lose money. It’s almost guaranteed that, even if they don’t refuse payment outright, your insurance company will do everything in their power to pay as little as possible.
Even if you’ve sunk a good sum of money into your claim service and insurance, your insurance company will still work against you. You might need to fight to get what’s rightfully yours. When you take on the fight, you might also need professional help on your side. It’s a sad commentary on our society that people sometimes need to hire a lawyer to fight for their rightful insurance compensation, but that’s just the world we live in.
An experienced insurance disputes lawyer will understand how to navigate and interpret your insurance policy. They’ll also know how to protect your legal rights during the negotiation proceedings. If the insurance company completely refuses a payout, your lawyer will help you understand your legal recourse options going forward. The attorney’s end goal is to make sure your claim is paid in a timely manner, in the full amount you need.
Before you contact an attorney, you should get a copy of your insurance policy. The following elements are particularly important:
The policy’s “Declarations Page”
All endorsements
All riders
Generally, you’ll find the Declarations Page on the first few pages of your policy. This page explicitly states what dollar limits apply to each coverage category. It goes on to list whatever endorsements and riders that you’ve invested in on top of your basic policy. Endorsements and riders are extra coverage that you’ve purchased.
Every addition to your policy will have its listing beside a coded letter, number, or combination of the two. You should do a review of the basic coverage categories. Generally these will include “Dwelling,” “Personal Property/Contents,” and “Loss of Use” or “Additional Living Expenses.”
What if a dispute arises?
If you’ve made your claim and sat down with your insurance adjusters, and the adjusters have raised a dispute, it’s time to consult a lawyer. Insurance adjusters are trained to pressure you into taking the lowest possible payout, even if you’re entitled to more compensation. Your attorney can protect your rights, negotiate your terms, and give the insurance company a run for their money.
It’s a good idea to hand disputes over to attorneys, especially if you find yourself getting frustrated and upset. When you’re rattled, you lose your ability to present rational and coherent cases. Your attorney can act as an emotionally neutral party who advocates in your best financial interests.
You don’t necessarily need to let your lawyer do all of the talking. An insurance claim negotiation is different from a criminal interrogation. If you want to continue communicating with your insurance adjuster, you can ask your attorney to advise you on your rights. However, if you’ve done your best and still aren’t being treated with fairness, your attorney can take the problem off your hands.
After the dispute has reached a point where attorney intervention is necessary, it’s time to let them take over the situation. Most lawyers will insist that you cease to communicate with the insurance adjusters and let them handle the negotiations. This is best for your legal case, and it’s also best for your peace of mind.
Will you have to bring a lawsuit against your insurance company to receive compensation?
You shouldn’t have to. When you file a small dollar claim, the majority of insurance companies will pay it without raising a dispute. Most minor disputes can be solved through basic negotiations. Even if the insurance company is being stubborn, New York has regulations and laws that protect consumers. It’s illegal for an insurance company to force their consumers to file a lawsuit to receive their agreed-upon policy benefits.
Three popular litigation alternatives are mediation, arbitration, and appraisal.
With mediation, both the claimant and the insurance adjuster will work with a neutral third party to negotiate their dispute. The process is an informal and voluntary means of conflict resolution.
Arbitration can be either binding or non-binding. This conflict resolution method has more formality than medication. The third party arbitrator will dictate the solution, or they will work with the involved parties to reach a compromise.
Appraisal is used when a dispute has arisen over the value of an insured loss. The appraiser will collect the relevant information to give a neutral estimate on the value. This value is the amount that the insurance adjuster will pay for your claim.

If you face a major loss and need to file an insurance claim, it is important to understand your rights and protections. Insurance companies may not have your best interests in mind, so seeking help from an experienced insurance disputes lawyer can be beneficial. They can help you understand your policy, protect your legal rights, and navigate any disputes that may arise.

To prepare for a potential claim or dispute:

1. Obtain a copy of your insurance policy, specifically the Declarations Page, endorsements, and riders.
2. Understand the coverage categories, such as dwelling, personal property/contents, and loss of use/additional living expenses.
3. Seek legal advice from an experienced lawyer if a dispute arises with your insurance company.
4. Consider alternative dispute resolution methods, such as mediation, arbitration, or appraisal.

Free Consultation


I was searching for a law firm with some power to help me deal with a warrant in New York . After 6 days I decided to go with Spodek Law Group. It helped that This law firm is well respected by not only the top law firms in New York , but the DA , Judge as well. I...

~Fonder Brandon

5 Stars
It was my good fortune to retain Spodek Law Group for representation for my legal needs. From the beginning, communication was prompt and thorough. Todd, Kenneth and Alex were the first people I worked with and they all made me, and my company Qumana skincare feel comfortable and confident that the team was going to work hard for me. Everything...

~A G

5 Stars
After meeting with several law firms, I chose the Spodek Law Group not only for their professionalism and experience, but for the personal attention given to me right from the initial consultation. It is important to recognize how crucial having the right legal team is when faced with potentially life altering events that impact families and the lives of loved...

~George Cherubini

Spodek Law Group

White Glove Service

We Provide Superior Service, Excellent Results, At A Level Superior To Other Criminal Defense Law Firms. Regardless Of Where Your Case Is, Nationwide, We Can Help You.
View More

Request Free Consultation

Please fill out the form below to receive a free consultation, we will respond to
your inquiry within 24-hours guaranteed.


85 Broad St 30th Floor, New York, NY 10004


get directions

Los Angeles

611 S Catalina St Suite 222, Los Angeles, CA 90005


get directions


35-37 36th St, 2nd Floor Astoria, NY 11106


get directions


195 Montague St., 14th Floor, Brooklyn, NY 11201


get directions
Call Now!