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…How to Communicate With Home Insurance Adjusters
Dealing with property damage can be overwhelming, especially when it comes to navigating the insurance claims process. Homeowners in Rhode Island often face challenges when communicating with home insurance adjusters, who represent the insurance company’s interests. Understanding how to communicate with adjusters effectively can make a significant difference in the outcome of...
How to Communicate With Home Insurance Adjusters Continue reading…Do You Need a Real Estate Attorney in Rhode Island?
Buying or selling property is one of the most significant financial transactions many people will undertake. While some states require an attorney for real estate transactions, Rhode Island does not mandate legal representation. However, having a real estate attorney can provide essential legal guidance, ensuring that the process goes smoothly and that...
Do You Need a Real Estate Attorney in Rhode Island? Continue reading…Strategies for Negotiating Property Damage Settlements
When dealing with property damage, negotiating a fair settlement can be challenging. At PALUMBO LAW, we understand the complexities of insurance claims and work diligently to help clients receive the compensation they deserve. Whether your property was damaged due to a storm, fire, or other unforeseen events,...
Strategies for Negotiating Property Damage Settlements Continue reading…