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Maximizing Your Coverage

By Henry L. Goldberg

The “one-two punch” of Super Storm Sandy and the recent nor’easter have left widespread damage.

For those of you who have suffered losses and delays on projects, full knowledge of your rights under all available insurance policies is crucial. Furthermore, to maximize insurance recoveries, you may need to think creatively and “push the envelope” of contemplated coverages.


Insurance Coverage for Your Construction Site “Storm” Losses:

Damage to construction company property, construction site damage, repair costs and other direct losses, as well as delay-related damage and lost business income, are all potentially covered under various property-type policies. To secure the maximum recovery of all losses suffered, keep in mind the following tips:

Important “Must Do’s” for Insurance Claims:

[Note: In a future memo we will explore where “flood” insurance coverage might end and the federal National Flood Insurance Program through FEMA, or other government-sponsored coverages, could pick up the slack.]

Builder’s Risk Claims:

Business Interruption Claims:

Contractor’s Commercial Property Claims:

In the risk-burdened construction industry, storm-related damages frequently involve first-party property damage claims by contractors, subcontractors, CM’s and/or owners for fire, flood, builders’ risk, business interruption and project delays. In addition, CGL policies provide protection against third-party liability claims for personal injury and wrongful death. G&C's Policyholder Insurance Coverage Group possesses an in depth familiarity with both construction-related insurance coverage issues and the construction industry itself. This enables us to help our clients maximize their recovery for storm-related damages both on a site and/or on their company’s own property.  

Henry L. Goldberg is the Managing Partner at Goldberg & Connolly. He may be reached at (516) 764-2800 or at Mitchell B. Reiter is a Partner with the firm and may be reached at . Clinton S. Hein, a Senior Associate, also assisted in the preparation of this article. He may be reached at .

For more information about Goldberg & Connolly, please visit

Insurance Talk with the Attorneys of Goldberg & Connolly

Goldberg & Connolly | 66 North Village Avenue | Rockville Centre, NY 11570

Phone (516) 764-2800 | Fax (516) 764-2827 |

Mitchell B. Reiter:

W. Richard Kroeger:

Henry L. Goldberg:

Disclaimer - Please note that the articles written by their authors does not constitute legal advise either by Group Coverage, Inc. Or the author of the article.  Group Coverage, Inc. Is not affiliated with the author or the law firm they represent.  In addition it should be noted that neither Group Coverage, Inc., the author, or the law firm the author represents assumes no liability for the information contained as there is no attorney client relationship.  The information contained in the articles is for information only and you should seek the advise of a qualified attorney.  

This article has been prepared for informational purposes only. It is not a substitute for legal advice addressed to particular circumstances. You should not take or refrain from taking any legal action based upon the information contained herein without first seeking professional, individualized counsel based upon your own circumstances.