Should I Hire An Attorney When I Receive A Reservation Of Rights Letter From My Insurance Company?

Posted on February 2, 2026

A reservation of rights letter signals your insurer may deny coverage later. Independent legal counsel can protect your interests when your insurance company has one foot out the door. You have been sued, and you did what any responsible policyholder would do: you notified your...

Should You Ever Go to an Insurance Examination Under Oath Without an Attorney?

Posted on January 9, 2026

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...

Basement Flooding: When It’s Your Neighbor’s Liability

Posted on August 5, 2025

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...

Preparing for Hurricane Season: How to Protect Your Home

Posted on June 10, 2025

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...

5 Common Questions About Fire Damage Claims

Posted on April 19, 2023

Fires in the home are unfortunately all too common. That’s why it’s important to understand what causes them, and what you can do regarding the damage. Some common causes of home fires include faulty electrical wiring, cooking (leaving the stove on or an unattended candle lit), Christmas trees that are dehydrated, heating, and smoking. 1....

Is Your Shower Pan Leak Covered by Insurance?

Posted on April 12, 2023

Your shower is generally a place to relax, unwind, and destress. That is unless, of course, your shower pan leaks. Unfortunately, the shower pan, which serves as the floor of your shower, can be damaged, leak, and cause damage to the floor underneath it. The good news is that it’s relatively rare...

Why You Must Act Promptly When Filing a Property Insurance Claim

Posted on November 10, 2022

When you suffer property damage you may find yourself preoccupied with trying to locate the source of the damage (if not apparent), and to fix it. However, in order to have your insurance company cover your claim, you must give prompt notice of your loss. Almost every homeowner’s insurance policy requires...

How Can You Prevent a Sewer Backup?

Posted on September 18, 2022

Just as you would probably imagine, sewer backups can cause great damage to your property, including your business. They occur when heavy rainfall exceeds what your city’s system can handle. When that happens, the water then has no place to go, overflowing into your property. It will come out from your plumbing,...

What is an Elevation Certificate and When is it Required?

Posted on July 27, 2022

There are many things we often consider prior to purchasing property. One of the things that we need to be aware of is the location of the property, or more specifically, whether it is in an area that is prone to flooding. In fact, the Federal Emergency Management Agency (FEMA) requires that...

Protect Against These 3 Common Causes of Summer Fires

Posted on July 25, 2022

Many people think that fires only occur during the wintertime when the fireplace is glowing hot. However, fires are also a concern during the warmer months as well. It’s important to understand that outdoor fires, when not properly maintained, can lead to loss of property, serious injury, or even death. Here are...

Here’s How Taking Good Pictures Can Help Your Claim

Posted on December 17, 2021

You may have heard the expression that a picture is worth a thousand words. But what you may not know is that a picture can also influence thousands of dollars. Pictures can often make or break a case as they often provide evidence that could not otherwise be equaled through mere words....

Types of Water Damage in Rhode Island

Posted on October 16, 2021

There are a lot of things that can, unfortunately, cause water damage to your property. This can include everything from a toilet that overflows to a leak in your roof, or even widespread flooding. But regardless of the cause of your water damage, understanding what to do when it happens is most...