Contact Us - Buildings (2022)

The Department has office locations in each of the five boroughs. In-person and drop-off customer service hours are 8:30am to 4:00pm and phone lines are open 8:30am to 4:30pm, Monday through Friday, for all units unless otherwise indicated. Call 311 for all complaints and information about New York City Agencies. Outside New York City, call 212-NEW-YORK (212-639-9675).

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Administrative Enforcement

22 Reade Street, 5th Floor
New York, NY 10007

General Certificate of Correction and OATH Summons Questions
Phone: (212) 393-2405
www.nyc.gov/dobhelp

AEUHAZ Civil Penalty Refund Requests
aeurefunds@buildings.nyc.gov

OATH Hearings: Dismissal Requests Appeals and Discovery
DOB-ECBVioAppeals@buildings.nyc.gov

Unit Supervisor: Shamonda Graham

Read the Certificate of Correction Frequently Asked Questions for more information.

Affordable Housing Projects Plan Examination

80 Centre Street, 3rd Floor
New York, NY 10013
Phone: (212) 393-2850
Email: nycdevelopmenthub@buildings.nyc.gov

Benchmarking

Benchmarking Violation Hotline:(212) 393-2574
NYC Sustainability Help Center:(212) 566-5584

Email: sustainability@buildings.nyc.gov

Get additional Benchmarking information.

Boiler

280 Broadway, 1st Floor
New York, NY 10007

Email: www.nyc.gov/dobhelp
Hotline (non-technical questions):(212) 393-2661 from 8:30 am to 4:00 pm
Technical Unit:(212) 393-2784 from 8:30 am to 4:00 pm
Unit Supervisor: William McGivney

Read the Boiler Frequently Asked Questions for answers to common questions about boilers and violations. Get additional Boiler information.

Buildings Information System (BIS)

Phone: (212) 393-2260
www.nyc.gov/bis

Buildings Special Investigations Unit (BSIU)

80 Maiden Lane, 4th Floor
New York, NY 10038
Phone:(212) 825-2413

Certificate of Occupancy

Bronx:(718) 960-4740
Brooklyn:(718) 802-3680
Manhattan:(212) 393-2552
Queens:(718) 286-7690
Staten Island:(718) 420-5410

NOTE: There is aCertificate of Occupancy unit are located in each borough office.Get additional Certificate of Occupancy information.

Community Engagement & Programming

Bronx

Eulis Jarratt (CBs: 1, 3, 5, 6, 7, 9, 11)
Phone: (718) 960-4566
Email: EJarratt@buildings.nyc.gov

Ophelia Phipps (CB: 8)
Phone: (212) 393-2926
Email: Ophipps@buildings.nyc.gov

John Ward (CBs: 2, 4, 10, 12)
Phone:(212) 393-2082
Email:JoWard@buildings.nyc.gov

Brooklyn

Damaris Falero (CBs: 1, 3, 4, 8, 9, 16)
Phone: (718) 802-2236
Email: DFalero@buildings.nyc.gov

Frank Fontana (CBs: 10, 11)
Phone: (718) 420-3591
Email: FFontana@buildings.nyc.gov

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Kenneth Lazar (CBs: 2, 5, 6, 7, 12, 13)
Phone: (718) 802-2230
Email: KeLazar@buildings.nyc.gov

David Nussbaum (CBs: 14, 15, 17, 18)
Phone: (718) 802-3666
Email: DNussbaum@buildings.nyc.gov

Manhattan

Milcah Ann Holmes-Thomas (CBs: 1, 6, 10)
Phone: (212) 323-8946
Email: MHolmesThomas@buildings.nyc.gov

Ophelia Phipps (CB: 4)
Phone:(212) 393-2926
Email:OPhipps@buildings.nyc.gov

Luke Szabados (CBs: 3, 8, 11)
Phone:(212) 393-2053
Email:LuSzabados@buildings.nyc.gov

Tirso Tavarez (CBs: 2, 5, 7)
Phone: (212) 393-2320
Email: TTavarez@buildings.nyc.gov

John Ward (CBs: 9, 12)
Phone:(212) 393-2082
Email:JoWard@buildings.nyc.gov

Queens

Cheryl Dunn-Rochelle (CBs: 11, 12, 13)
Phone: (718) 286-7644
Email: CDRochelle@buildings.nyc.gov

Anthony Iuliano (CBs: 7, 8)
Phone: (718) 286-7663
Email: AIuliano@buildings.nyc.gov

James O'Connor (CBs: 6, 9, 10, 14)
Phone: (718) 960-4724
Email: JamOConnor@buildings.nyc.gov

Samuel Schechter (CBs: 1, 2, 3, 4, 5)
Phone: (718) 286-8348
Email: SSchechter@buildings.nyc.gov

Staten Island

Frank Fontana (CBs: 1, 2, 3)
Phone: (718) 420-3591
Email: FFontana@buildings.nyc.gov

Concrete Enforcement

280 Broadway, 4th Floor
New York, NY 10007

Phone:(212) 393-2730
Email:ceu@buildings.nyc.gov
Get additional Concrete Enforcement information.

Construction Codes

ConstructionCodes@buildings.nyc.gov
Get additional information on Construction Codes.

Construction Inspections (Development)

Bronx

Phone: (718) 960-4709
Email: BXConstructionir@buildings.nyc.gov

Brooklyn

Phone: (718) 802-4035
Email: BKConstructionir@buildings.nyc.gov

Manhattan

Phone: (212) 323-7288
Email: MNConstructionir@buildings.nyc.gov

NOTE:The Manhattan Construction Inspections Development Unit is located at One Centre Street, 23rd Floor.

Queens

Phone: (718) 286-8360
Email: QNConstructionir@buildings.nyc.gov

Staten Island

Phone: (718) 420-5418
Email: SIConstructionir@buildings.nyc.gov

Construction Inspections (Enforcement)

Bronx

Phone: (718) 960-4730
Email: BXConstEnf@buildings.nyc.gov
Unit Supervisor: Clarence Smith

Brooklyn

Phone:(718) 802-3685
Email: BKConstEnf@buildings.nyc.gov
Unit Supervisor: Ryan Gobin

Manhattan

Phone: (212) 323-8079
Email: MNConstEnf@buildings.nyc.gov
Unit Supervisor: Clarence Smith

Queens

Phone: (718) 286-8380
Email: QConstructionEnforcement@buildings.nyc.gov
Unit Supervisor: Clarence Smith

Staten Island

Phone: (718) 420-3590
Email: SIConstEnf@buildings.nyc.gov
Unit Supervisor: Ryan Gobin

NOTE: All Construction InspectionEnforcementunits are located in the respective borough office.

Construction Safety Compliance (CSC)

280 Broadway, 4th Floor
New York, NY 10007
Phone:(212) 393-2404 (press 2 for Compliance)

CSC Inspection Appointments
Email:CSCUAppointments@buildings.nyc.gov

CSC Site Safety Standards & Guidance Initiative
Email: ssgsi@buildings.nyc.gov

Request to Combine Permits
Email:
CSuper@buildings.nyc.gov

Construction Safety Enforcement (CSE)

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280 Broadway, 4th Floor
New York, NY 10007
Phone:(212) 393-2404 (press 1)
Email: cseinquiry@buildings.nyc.gov

Stop Work Order Re-inspection Appointments: CSEAppointments@buildings.nyc.gov
Construction-related incident/accident hotline:(212) 602-0431

Cranes & Derricks (C&D)

2 Lafayette Street,12th Floor
New York, NY 10007
Customer Service Window Hours: 9:00 am to 2:00 pm
Phone:(212) 393-2411, 9:00 am to 4:30 pm
Fax: (347) 788-4598
Email: candd@buildings.nyc.gov

Report a crane or derrick incident/accident:(212) 393-2127
Schedule a crane inspection appointment, a Stop Work Order (SWO) re-inspection or confirmation numbers and notifications: (212) 393-2662
Schedule a C&D plan examination appointment:
(212) 393-2550

Customer Service

Phone: (212) 393-2550
DOB NOW Online Help:Get Online Help for DOB Self-Service Tools

Disability Service Facilitator

Kareem Gabriel
280 Broadway, 7th Floor
New York, NY 10007
Phone:(212) 393-2544
Email: ainfo@buildings.nyc.gov

Local Law 27 amends the Administrative Code of the City of New York, in relation to the designation of Disability Service Facilitators at City agencies. The law instructs each City agency to designate an employee as the Agency's Disability Service Facilitator. This individual ensures the Agency complies with and carries out its responsibilities under the ADA and other Federal, State, Local Laws, and regulations concerning accessibility for persons with disabilities.

Please see the complete list of NYC Disability Service Facilitators.

Electrical Inspections (Development)

Bronx:(718) 960-4750 |BXElectricalIR@buildings.nyc.gov
Brooklyn:(718) 802-4342 |BKElectricalIR@buildings.nyc.gov
Manhattan:(212) 323-7286 |MNElectricalIR@buildings.nyc.gov
Queens:(718) 286-7650 |QNElectricalIR@buildings.nyc.gov
Staten Island:(718) 420-5411 SIElectricalIR@buildings.nyc.gov

NOTE: The Manhattan Electrical Ispections Development Unit is located at One Centre Street, 23rd Floor. All other units are located in the respective borough office.

Electrical Inspections (Enforcement)

One Centre Street,23rd Floor
New York, NY 10007
Phone:(212) 393-2417

Electrical Firm Accounts

280 Broadway,1st Floor
New York, NY 10007
Email: CashReceipts@buildings.nyc.gov

Read our Electrical Firm Account Frequently Asked Questions for more information. Get additional Electrical Firm Account information.

Electrical Plan Review

80 Centre Street, 3rd Floor
New York, NY 10007
Phone:(212) 323-7930

Get more Electrical Plan Review information.

Elevator

280 Broadway, 1st Floor
New York, NY 10007
Customer Service Hours: 8:30 am to 4:00 pm, Monday through Friday (except holidays)
General inquiries:(212) 393-2144
Application inquiries:(212) 393-2555
Email:www.nyc.gov/dobhelp

Read the Elevator Violations Frequently Asked Questionsfor more information. Get more elevator information.

Façade & Local Law Enforcement

280 Broadway, 4th Floor
New York, NY 10007
Phone: (212) 393-2551
Email: facades@buildings.nyc.gov

FOIL (Freedom of Information) Requests

280 Broadway, 7th Floor
New York, NY 10007
Records Access Officer: Angela White, (212) 393-2096
Records Appeals Officer: Deborah Glikin, (212) 393-2068

Questions about specific requests should also be made through NYC OpenRecords by using the Contact the Agency link available on every request page. Get more FOIL Request information.

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Forensic Engineering

280 Broadway, 4th Floor
New York, NY 10007
Phone:(212) 393-2720
Email:scbinfo@buildings.nyc.gov (compromised buildings)

General Counsel

General: (212) 393-2085

House Connection Questions

Phone: (718) 286-8330
Email:HouseconnectionIR@buildings.nyc.gov

The HUB

80 Centre Street, 3rd Floor
New York, NY 10013
Phone:(212) 393-2850
Development HUB: nycdevelopmenthub@buildings.nyc.gov

Get more information on HUB services.

HUB Inspections

One Centre Street, 23rd Floor
New York, NY 10007
Phone:(212) 393-2993/2999

Human Resources & Employee Experience (HREX)

280 Broadway, 6th Floor
New York, NY 10007
Phone:(212) 393-2221/2222
Fax:(212) 566-3096
Email: Recruit@buildings.nyc.gov

Visit the Careers page for employment information.

Internal Affairs & Discipline

Phone:(212) 393-2900
Customer Service Hours:8:30 am – 4:30 pm
Email: IADComplaintBox@buildings.nyc.gov
Unit Supervisor: Diane Haines

Limited Alteration Applications (LAA)

Email:www.nyc.gov/dobhelp

Learn more about Limited Alteration Applications (LAA).

Licensing & Exams

280 Broadway,1st Floor
New York, NY10007
Phone: (212) 393-2259 from 9:00 am – 5:00 pm
Email: licensingdob@buildings.nyc.gov

Customer Service Window Hours:9:00 am to 4:00 pm (by appointment only)

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Loft Board

280 Broadway, 1st Floor
New York, NY 10007
Phone:(212) 393-2616
Public Information Officer: (212) 393-2603
Email: NYCLoftBoard@buildings.nyc.gov
Get more Loft Board information.

Mulitple Dwellings Inspection Unit

Phone: (212) 393-2930

Office of Technical Certification & Research

Phone:(212) 393-2626
Email:OTCR@buildings.nyc.gov

Get more information on technical certification and research.

Office of the Tenant Advocate (OTA)

Customer Service Hours: 8:00 am to 5:00 pm, Monday through Friday (except holidays)
Phone:(212) 393-2949
Email: TenantAdvocate@buildings.nyc.gov
Unit Supervisor: Sarah Desmond

Padlock Enforcement

280 Broadway, 5th Floor
New York, NY 10007
Phone: (212) 393-2622
Email: padlock@buildings.nyc.gov

For Padlock Complaints please call 311.

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Parking Structures

280 Broadway, 4th Floor
New York, NY 10007
Phone: (212) 393-2551
Email: parkingstructures@buildings.nyc.gov

Plumbing Inspections (Development)

Bronx:(718) 960-4720 |BXPlumbingIR@buildings.nyc.gov
Brooklyn:(718) 802-3723|BKPlumbingIR@buildings.nyc.gov
Manhattan:(212) 323-7287|MNPlumbingIR@buildings.nyc.gov
Queens:(718) 286-8350 |QNPlumbingIR@buildings.nyc.gov
Staten Island:(718) 420-5416 |SIPlumbingIR@buildings.nyc.gov

NOTE: The Manhattan inspection unit is located at One Centre Street, 23rd Floor. All other units are located in the respective borough office.

Plumbing Inspections (Enforcement)

280 Broadway,4th Floor
New York, NY 10007
Customer Service Hours: 8:30 am to 4:00 pm, Monday through Friday (except holidays)
Phone:(212) 393-2557
General Inquiries: PlumbingEnfIR@buildings.nyc.gov
Stop Work Order Re-inspection Appointments: PlumbingSWO@buildings.nyc.gov

Press Office

Phone:(212) 393-2126
Email: DOBcommunications@buildings.nyc.gov

Get the latest DOB News.

Project Advocate Services

Bronx

Phone:(718) 960-4700
Email: BXopenapp@buildings.nyc.gov

Brooklyn

Phone:(718) 802-3677
Email: BKopenapp@buildings.nyc.gov

Manhattan

Phone:(212) 393-2599
Email: MNopenapp@buildings.nyc.gov

Queens

Phone:(718) 286-7670
Email: QNopenapp@buildings.nyc.gov

Staten Island

Phone:(718) 420-5400
Email: SIopenapp@buildings.nyc.gov

Request Project Advocate services.

Quality of Life Task Force

Phone:(718) 286-3445
Email: QofLEnf@buildings.nyc.gov
Hours: 8:30 am to 4:00 pm, Monday through Friday (except holidays)

Real-Time Enforcement

Phone: (212) 393-6660
Email: rteu@buildings.nyc.gov
Hours: 8:00 am to 11:00 pm, Monday through Friday (except holidays)

Retaining Wall

280 Broadway,4th Floor
New York, NY 10007
Email: LRetainingWalls@buildings.nyc.gov

Special Enforcement Program (SEP) - Professional Certification Audits & Inspections Unit

120-55 Queens Boulevard
Kew Gardens, NY 11424
Hours: 8:30 am to 4:00 pm, Monday through Friday (except holidays)
Phone:(718) 286-8370

Sign Enforcement

280 Broadway,5th Floor
New York, NY 10007
Phone:(212) 393-2622
Email: signinfo@buildings.nyc.gov

Special Enforcement Team (SET)

280 Broadway,5th Floor
New York, NY 10007
Phone:(212) 393-2299

Special Operations

280 Broadway, 4th Floor
New York, NY 10007
Phone:(212) 393-2412
Email: SpecialOperations@buildings.nyc.gov
Hours:8:30 am to 4:00 pm, Monday through Friday (except holidays)

Sustainability Enforcement

Phone:(212) 393-2475
Benchmarking Email: sustainability@buildings.nyc.gov
Energy Audits and Retro-commissioning Email: LL87@buildings.nyc.gov
Energy Code Inspections Email: energycodeinspections@buildings.nyc.gov

Triage Command

Phone:(212) 393-2347

Unsafe Buildings

280 Broadway,7th Floor
New York, NY 10007
UB Info/Hotline: (212) 393-2131
UB Fee Collections: (212) 393-2067

Read Frequently Asked Questions. Learn more about unsafe buildings.

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Contact 311 to make a complaint about a construction site. For a life threatening emergency, call 911.

FAQs

Is it worth claiming on home insurance for a TV? ›

"You probably would see no payment at all from your insurance company and at best, you may receive a very small check and not enough to replace the TV,” says Himmel. If the TV is one of many items that need replacement and repair, Himmel says filing a claim can be worthwhile.

How do I make a successful home insurance claim? ›

Collecting evidence to support your claim, such as photographs of the damage, or receipts for items that have been broken or stolen, will be helpful. Don't exaggerate the value of your claim or tell fibs - honesty is always the best policy when making a claim.

How long does it take to settle a house insurance claim? ›

This will depend on your claim, but most insurers will try to sort it as quickly as possible. The more complicated the claim, the longer it will take. A straightforward claim could be settled within a week, but a subsidence claim could take over a year, for example.

Do I have to accept vouchers for insurance claim? ›

Vouchers aren't necessarily a bad option if you're claiming. But you shouldn't be forced to accept them – or a lower cash sum – if you can't replace the item you've lost at one of the insurer's "preferred" retailers. Don't be fobbed off!

Do homeowners cover broken TVs? ›

Homeowners insurance covers personal property loss — including broken or stolen TVs — when it's caused by a covered peril, including fire, lightning, and vandalism. But if your TV falls off your wall or it simply stops working, you likely won't be covered.

Does buildings insurance cover water leaks? ›

Water damage to your property is usually covered as a standard feature in your buildings insurance policy. Often referred to as 'escape of water' by insurers, it can be caused by several issues, from burst pipes due to freezing temperatures, to a leaking dishwasher or an overflowing blocked toilet.

Can you negotiate a home insurance settlement? ›

One of the most important things to know about property damage claims is that you do not have to accept the initial offer. You still have the power to negotiate and under no circumstances should you accept any insurance settlement offer that you do not believe is fair or that will not cover the costs of repair.

What happens if you don't have receipts for insurance claim? ›

Most insurance companies request some proof of ownership to complete the claim process. If you cannot provide proof, it's possible that your claim could be denied or that you won't get an adequate payout.

How many times can you claim on your house insurance? ›

You can make unlimited claims on your policy. However this may affect your policy premium and/or the terms, such as the excesses, when you renew.

How long does an insurance company have to investigate a claim? ›

In general, the insurer must complete an investigation within 30 days of receiving your claim. If they cannot complete their investigation within 30 days, they will need to explain in writing why they need more time. The insurance company will need to send you a case update every 45 days after this initial letter.

Do insurance companies have to offer cash settlement? ›

If the insurer offers the policyholder a cash settlement, it must be fair in the circumstances. This means the insurer must exercise its discretion to cash settle in a fair and reasonable way, and the settlement amount must be sufficient for the policyholder to arrange repairs.

How do you negotiate cash settlements? ›

Let's look at how to best position your claim for success.
  1. Have a Settlement Amount in Mind. ...
  2. Do Not Jump at a First Offer. ...
  3. Get the Adjuster to Justify a Low Offer. ...
  4. Emphasize Emotional Points. ...
  5. Put the Settlement in Writing. ...
  6. More Information About Negotiating Your Personal Injury Claim.

How do I challenge an insurance settlement? ›

If you're not satisfied with the insurance company's reply, you can make a formal complaint using your insurer's complaints process. Look at your policy documents or check your insurer's website for details on how the complaints process works.

Should I accept first offer from insurance company UK? ›

Unless you have taken independent legal advice on the whole value of your claim, you should not accept a first offer from an insurance company.

Does homeowners insurance cover refrigerator leak? ›

Your homeowners insurance may cover damage that results from a refrigerator leak, subject to your deductible and policy limits. However, any repair or replacement of the refrigerator itself typically would not be covered.

Are washing machines covered under home insurance? ›

Like HVAC equipment, appliances are covered under homeowners insurance in certain scenarios. It all depends on what happens to your oven, refrigerator or washing machine. Standard homeowner insurance policies include coverage for appliance repair or replacement if the damage or loss was the result of a covered peril.

Can you claim hot water system on insurance? ›

Home insurance won't cover the repairs or replacement of your hot water system if it stops working, due to a fault or its age. However, home insurance can cover the hot water system if it is damaged or destroyed by a defined or listed event on your home insurance policy.

Who pays for a water leak? ›

This means that as a property owner; you're responsible for the maintenance and repair of the pipes that supply water to your property. This includes all the pipes that run inside your home and outside too. For example, if there's a leak on the property boundary, then that is the homeowner's responsibility.

Are roofs covered by buildings insurance? ›

In most cases, there will only be part cover in your buildings insurance policy for roof repairs. The situations in which complete roof repairs may be covered are if you have a specific cause of roof damage written into your policy. This would be something like full roof repair coverage in the event of a storm.

What does buildings insurance not cover? ›

Common exclusions include: General wear and tear of your property. Frost damage to outside pipes and brickwork. Storm damage to gates, fences and plants.

What should you not say to an insurance adjuster? ›

The top 5 things to not say to an insurance adjuster are
  • admitting fault,
  • saying that you are not hurt,
  • describing your injuries,
  • speculating about what happened, or.
  • saying anything on the record.
22 Jul 2022

Why would home insurance deny a claim? ›

If you failed to pay even one month's worth of premiums, an insurance company could have the right to deny your property insurance claim. Failing to make all of your payments on time is risky, as this can make your coverage lapse and give the insurance provider a valid reason to deny your property damage claim.

How do you argue with an insurance adjuster? ›

Show the adjuster that you're willing to renegotiate your offer by lowering it slightly, and they'll typically follow by raising theirs. This can be done several times until a final offer is accepted. Keep in mind that the insurance adjuster is a human just like you.

Can insurance company tap your phone? ›

An insurance company cannot tap a phone or take video of someone through a window of that person's home. Some basic privacy rights are retained.

What counts as proof of purchase for insurance? ›

What counts as proof of purchase? A receipt is the most reliable form of proof. But if you haven't kept hold of your receipts, there may be a record of the transaction on your bank or credit card statement. You might also be able to use a warranty or guarantee for an item.

Do insurance companies ask for proof of purchase? ›

Yes, you may have to provide proof of purchase to make a home contents insurance claim. Some contents insurance providers state in their policy wording that you can only make a claim for an item if you can provide the receipt.

How long can I leave my house unoccupied? ›

Typically, home owners can leave their home unoccupied for up to 30 days (say, for an extended trip) with no need for added insurance. If you're going to be away for longer, inform your insurance company.

Will insurance pay if door is unlocked? ›

As long as it can be established that your possessions have been taken without your permission, most policies will payout on a claim even if your front door was unlocked or your window was left open.

Does leaving window open invalidate insurance? ›

Many insurers insist that if you have an alarm it must be activated at certain times, like when you leave the house, or are asleep. Opening windows or forgetting to lock them could also void your insurance, and if a burglar gains unforced access to your home, you wouldn't be covered for anything stolen.

How many homeowners claims is too many? ›

How Many Homeowners Claims Is Too Many? Generally, if you haven't filed more than one non-catastrophic loss claim in three years, and have no liability losses in three years, you may still be eligible for coverage. Two claims in five years may drive up the cost of your coverage.

What happens if you have 2 home insurance policies? ›

“While it's possible to have two insurance policies, you wouldn't get twice the amount of coverage. When you have two insurance policies covering the same thing, most policies have an other insurance clause. With this clause, each policy will pay no more than its share of the loss.

Can you have two homeowners insurance? ›

Typically, you can't insure two homes — such as your primary residence and your second home — under one insurance policy, given they're prone to different risk factors. To protect the structure of your second home and the valuables inside, you'll likely need to buy a separate home insurance policy.

What are unfair claim practices? ›

An unfair claims practice is what happens when an insurer tries to delay, avoid, or reduce the size of a claim that is due to be paid out to an insured party. Insurers that do this are trying to reduce costs or delay payments to insured parties, and are often engaging in practices that are illegal.

What happens if an insurance company doesn't respond to a claim? ›

A person or company may be “acting in bad faith” if they intentionally fail to act according to a contractual agreement or if they never intended to fulfill that agreement in the first place. If an insurance company does not respond to your claim, it can be considered bad faith, and you can sue them.

Do insurance companies always investigate claims? ›

Short answer: Yes, insurance companies conduct extensive investigations to avoid paying large claims. If someone else's negligence injures you, you can try to recover damages.

Can you keep the money from an insurance claim? ›

As long as you own your car outright, you can do whatever you want with the claim money you receive from your insurer. This means that you can keep any leftover money from your claim. However, it is very important to never intentionally overestimate the cost of repairing your car.

Should I take a cash settlement? ›

While this lump sum of money might be tempting, you should not accept an upfront cash settlement from the insurance company adjuster. You should talk to a premises liability lawyer first so you understand the full value of your claim. Insurance companies care most about their bottom line: saving money.

Can insurance company ask for money back? ›

Health plans are allowed to seek reimbursement from a provider for overpayment of a claim, so long as the plan sends a written request for reimbursement to the provider within 365 days of the date of payment on the overpaid claim.

How much do debt collectors settle for? ›

Typical debt settlement offers range from 10% to 50% of what you owe. The longer you allow debt to go unpaid, the greater your risk of being sued. Creditors are under no obligation to reduce your debt, even if you are working with a reputable debt settlement company.

Why do insurance companies lowball? ›

The Insurance Company Offers a Lowball Settlement Because They Know That Many Individuals Will Accept This Offer. Following an accident, many insurance companies will offer a meager settlement when victims are most vulnerable because they know they will likely not verify whether this amount is fair to them.

Can you negotiate total loss payout? ›

After your car is totaled, you might expect your insurance company to pay you what you paid for your car so that you can replace it. Unfortunately, you might find their estimate of your car's fair market value to be very low. If that happens, you can try to negotiate for a higher payment.

How long should a building insurance claim take? ›

This will depend on your claim, but most insurers will try to sort it as quickly as possible. The more complicated the claim, the longer it will take. A straightforward claim could be settled within a week, but a subsidence claim could take over a year, for example.

Can I refuse an insurance write-off? ›

Can I refuse to write-off my car? Yes. As we mentioned, the insurance company will judge your car's damage and its repair based on value (unless your car is deemed totally unsafe). So, if your car just has a scratch along the bonnet but has a low market value, chances are insurance will be quick to write it off.

What percentage of damage is a write-off? ›

Usually, this means your car's a write-off if it costs more than 50% or 60% of the car's value to repair it. And it's all based on the value of your car now, not what you paid for it.

How long does it take to receive a offer of compensation? ›

In simple claims where liability is admitted you would expect all claims to be concluded within 2-5 months. In more complicated claims where liability may be disputed, or the injuries are complex, then claims can take 6-18 months.

How long does it take to get a compensation payout? ›

After your claim has settled you should receive your compensation between 14 – 21 days. This depends on if your claim was settled in or out of court.

How long does it take for an insurance company to make an offer? ›

Often insurance companies will deliver an offer in response to a settlement demand between three days and three weeks. The time difference will depend on the reasons behind your compensation requests and if it includes non-economic damages.

Is a broken TV covered under contents insurance? ›

Contents insurance covers the cost of replacing your household personal possessions and furnishings, like curtains, furniture, white goods, stereo, TV, computers and other electrical appliances, clothing, jewellery, sporting equipment and even toys.

What is accidental damage on TV? ›

Accidental damage cover (including water damage) from the moment you receive your item. Breakdown cover after your manufacturer's guarantee has ended. Unlimited repairs of your item. A brand new replacement or Argos vouchers if we can't repair your item.

What contents insurance covers UK? ›

What is home contents insurance. Home contents insurance covers you against loss, theft or damage to your personal and home possessions. It can also cover you if you take items out of the home, on holiday, for example. The insurance covers your own possessions and those of close family members living with you.

What is PCL policy expert? ›

Policy expert provides specialist home cover and has been rated Review Centre's number one home insurance provider since 2013, with over 32,500 5-star ratings. They only launched in 2001, which shows how quickly they managed to find their feet and establish themself as a key player.

Are carpets and curtains included in contents insurance? ›

So unlike tiles, wood and laminate floors, which are covered by your buildings insurance, carpets are covered by your home contents insurance.

What is classed as accidental damage to buildings? ›

Accidental damage is defined as sudden and unexpected damage to your property or contents by an outside force. For instance, spilling a drink and staining the carpet, or drilling through a pipe. Accidental damage cover is sometimes included in home insurance, but usually it's sold as an optional extra.

Is my laptop covered by home insurance? ›

Yes. Just like any other type of personal property, homeowners insurance provides coverage for laptops for the same scenarios it would for everything else. However, if a laptop is extremely valuable, you might want to purchase extra coverage to insure it for the full replacement cost.

Is a parent liable for damage caused by their child UK? ›

Parental Liability

The law in England and Wales states that parents or carers cannot be held responsible for the damage that their children cause. However, parents may feel a moral obligation towards the injured party.

Can I claim for broken iPad on house insurance? ›

Most contents insurance policies will cover your mobile phone when it's in your home, just like other personal belongings or valuables. You'll be covered for loss or damage in a fire, storm or flood, and theft too, but only for the phone itself, and not any fraudulent calls.

Is buildings accidental damage cover worth it? ›

Is accidental damage cover worth it? It often is, but it depends on your attitude towards risk. If you have accidental damage insurance in place, you have peace of mind that you're covered for more eventualities. You might find that adding it as an extra to your policy isn't overly expensive.

What is the average value of house contents UK? ›

The nation's home contents value
RegionAverage contents value
North West£38,949
North£39,727
Wales£41,148
Scotland£41,004
8 more rows

Is 50000 enough for contents insurance UK? ›

These policies typically provide between £40,000 and £50,000 of cover as standard. This is usually enough for most houses, but make sure it's enough to cover your possessions. 'Sum insured' – you (not the insurer) have to calculate the amount of cover that you need.

Is a fitted kitchen covered by buildings insurance? ›

Buildings insurance covers the cost to repair damage to or rebuild the structure of your home. This includes its windows, walls roof, outbuildings, and fitted kitchens and bathrooms.

Is it worth paying for home emergency cover? ›

Is it worth paying for home emergency cover? Buying home emergency cover is an optional extra so you don't need to have it. It provides peace of mind as with it you should be able to get someone out to fix an emergency without paying anything extra. Without the cover, you would need to pay someone upfront to do this.

Do premium credit do Credit checks? ›

Credit is subject to status and they may use a credit reference agency that leaves a record of the search, or other information about you, to carry out credit and anti-money laundering checks. PCL may also make credit assessments based upon any previous payment history you may have had with them.

Who Is The Best home insurance company UK? ›

  1. 1 . Admiral. — Best Overall. ...
  2. 2 . Alan Boswell Group. — Best For Building Cover. ...
  3. 3 . Homeprotect. — Best For Non-Standard Cover. ...
  4. 4 . The AA. — Best For Premium Cover. ...
  5. 5 . MORE THAN. — Best For Comprehensive Cover. ...
  6. 6 . Swinton. — Best For Add-Ons. ...
  7. 7 . John Lewis Finance. — Best for Flexible Cover. ...
  8. 8 . Aviva.

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