Should You Ever Go to an Insurance Examination Under Oath Without an Attorney?
An insurance examination under oath (EUO) is one of the most serious steps an insurer can take during a property insurance claim. During an EUO, the policyholder is sworn in and questioned by an attorney representing the insurance company while a court reporter records every word. A transcript is prepared afterward, and...
Should You Ever Go to an Insurance Examination Under Oath Without an Attorney? Continue reading…Should You Hire a Damage Appraiser or an Attorney for Your Property Insurance Claim?
When property damage happens, many insureds wonder whether they should hire a damage appraiser or an attorney to help move their insurance claim forward. Appraisers can estimate the cost of repairs, but only an attorney can interpret your policy, challenge wrongful insurer decisions, and take legal action...
Should You Hire a Damage Appraiser or an Attorney for Your Property Insurance Claim? Continue reading…Do I Need an Attorney for a Business Income Loss Claim?
When a business is forced to shut down because of property damage, owners often assume the insurance company will accurately calculate the loss and issue payment promptly. In reality, business income loss claims are some of the most highly disputed and underpaid claims in the insurance industry. These claims involve complex financial...
Do I Need an Attorney for a Business Income Loss Claim? Continue reading…Construction Defect Claims: Builder Warranties vs. Insurance Coverage
When construction defects appear in your Rhode Island home, knowing whether to turn to a builder warranty or your homeowners insurance can be confusing. Both offer potential avenues for relief, but they serve different purposes, have distinct coverage limits, and follow separate legal processes. This guide by our Rhode...
Construction Defect Claims: Builder Warranties vs. Insurance Coverage Continue reading…Are Your Property Covered if it Suffers Riot Damage?
If your home or business in Rhode Island or the Boston, MA area is damaged during a riot or civil unrest, will your insurance policy cover the loss? The answer depends on the specific terms of your policy and any endorsements you’ve added. While most standard property insurance policies include coverage...
Are Your Property Covered if it Suffers Riot Damage? Continue reading…Property Damage Documentation: Building Your Strongest Case
When property damage strikes, your first priority is safety. However, once immediate risks are addressed, thoroughly documenting the damage is one of the most important steps you can take to protect your rights. In Rhode Island, insurance companies often deny or minimize claims based on “insufficient documentation.” By carefully recording the extent...
Property Damage Documentation: Building Your Strongest Case Continue reading…Purchasing a Rental Property with Existing Tenants
Buying a rental property can be a wise investment, but in Rhode Island, the process becomes more complex if the property already has tenants in place. Purchasing a property with existing tenants means you are not only acquiring the real estate itself but also stepping into the role of landlord under the...
Purchasing a Rental Property with Existing Tenants Continue reading…Hidden Title Issues That Could Affect Your Property Rights
When purchasing real estate, most Rhode Island buyers assume that once the closing is complete, their property rights are secure. Unfortunately, hidden title issues can surface months or even years later, threatening your ownership and financial investment. These problems—ranging from clerical errors to outright title fraud—can cloud your ownership rights, complicate a...
Hidden Title Issues That Could Affect Your Property Rights Continue reading…Basement Flooding: When It’s Your Neighbor’s Liability
Basement flooding is every homeowner’s nightmare—damaged flooring, destroyed furniture, mold growth, and thousands of dollars in repairs. But what happens when your basement floods because of your neighbor’s actions or negligence? Whether it’s due to poor drainage, improper grading, or neglected maintenance, your neighbor may be liable under Rhode Island property and...
Basement Flooding: When It’s Your Neighbor’s Liability Continue reading…Understanding Business Interruption Insurance and Its Purpose
Unexpected disruptions can bring even the most successful businesses to a standstill. Natural disasters, fires, flooding, vandalism, or even widespread events like the COVID-19 pandemic can disrupt normal operations and lead to severe financial losses. That’s where business interruption insurance comes in—a critical form of coverage that many business owners overlook until...
Understanding Business Interruption Insurance and Its Purpose Continue reading…How to Fight an Adverse Possession Claim
Property ownership can be unexpectedly challenged through legal doctrines like adverse possession—a process that allows someone to claim ownership of land they’ve occupied without permission. If you’ve discovered someone is trying to claim your land through adverse possession in Rhode Island, you must act quickly and strategically. At
How to Fight an Adverse Possession Claim Continue reading…Preparing for Hurricane Season: How to Protect Your Home
As hurricane season approaches, Rhode Island homeowners must be proactive in safeguarding their properties against the destructive potential of severe storms. At PALUMBO LAW, we understand the unique challenges local homeowners face, especially along the coastal and flood-prone regions of our state. Preparing now can help reduce...
Preparing for Hurricane Season: How to Protect Your Home Continue reading…