Guide · Property insurance claims
Property damage lawyer in Israel
Adv. Sassi Lev represents policyholders in property insurance claims in Israel: car, home, business, water and fire damage. The work starts with the document you already have, in English or in Hebrew.
Adv. Sassi Lev
Insurance claims and property damage
When a property damage lawyer in Israel is needed
Not every property insurance claim needs a lawyer. A property damage lawyer in Israel becomes relevant when the claim stops moving: the insurer denies it, pays only part of it, or does not give a clear answer.
Property claims turn on three things: what the policy covers, how large the damage is, and how the payment was calculated. A gap in any one of them can reduce or block the claim, and each needs a different kind of review.
In each of these situations the first step is the same: read the insurer's answer against the policy and the evidence, and find out exactly where the disagreement lies.
A lawyer's review may be considered at one of these moments:
- A denial letter that cites a clause in the policy
- A payment that is lower than the assessment or the real repair cost
- A claim that has been open for a long time without a clear answer
Who we represent
The firm represents policyholders only, private and business, in property insurance claims: car, home, business, water and plumbing damage, fire damage and third-party property claims. Read more about private clients and business clients.
Adv. Sassi Lev previously represented insurance companies. Today we read a denial or a partial payment against the policy wording and the evidence, and check whether the reasons given hold. We do not represent insurers.
We act for private policyholders and businesses with property damage, whatever the type of claim. In each case the starting point is the policy and the document the insurer sent.
What we check in a property insurance claim
A first review generally covers four areas, whether the claim concerns a car, an apartment or a business. We then explain what the documents show, what is missing and what the possible steps are.
- The policy and the coverage: the wording on the date of the event, the extensions purchased and the exclusions applied
- The damage and the assessment: the assessor's report compared with the repair quotes and the real cost
- The insurer's answer: the reason given and the clause it relies on
- Deadlines and the timeline: what has already closed, what is still open and what needs action now
Israeli insurance law in brief
Insurance contracts in Israel are governed by the Insurance Contract Law, 5741-1981. Two points often matter early in a claim. The limitation period is generally three years from the insured event, and an insurer is generally expected to pay benefits that are not in dispute within 30 days.
Israeli insurers are supervised by the Capital Market, Insurance and Savings Authority, which also accepts complaints from the public. A complaint may be made while the claim is also reviewed, and it is a separate step from a legal review.
Policies differ in what they cover and exclude, so general rules are only a starting point. The answer in each case comes from the policy wording and the documents.
Guides by type of claim
If the insurer has already answered, start with what to do when an insurance claim is denied or an underpaid insurance claim. If the dispute is about the assessment, read about the public adjuster in Israel, the assessor who works for the policyholder.
For vehicles, see car insurance claims and diminished value claims. For apartments and houses, see home insurance claims, water damage insurance claims and fire damage insurance claims.
Companies can read about commercial property insurance claims, including stock, equipment and business interruption.
How to start
Send the denial letter or payment notice, the policy and the assessor's report on WhatsApp to +972-55-989-3839. We read the documents and come back with what was checked and the next step. You can also contact us by phone or email.
We work in English or in Hebrew, and the work can be done remotely: documents by WhatsApp or email, and calls by phone or video. We explain Hebrew documents in English when needed.
Sending material does not create an attorney–client relationship. The information on this page is general and is not legal advice for a specific case.
Questions people ask
What does a property damage lawyer in Israel do?
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We review the policy, the assessor's report and the insurer's answer, and explain what can be done. If you instruct us, we correspond with the insurer and, where needed, bring legal proceedings on your behalf.
Does the firm represent insurance companies?
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No. The firm represents policyholders only. Adv. Sassi Lev previously represented insurance companies.
Which claims do you handle?
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Property insurance claims in Israel: car, home, business, water and plumbing damage, fire damage, and third-party property claims.
What should I send first?
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The document you already have: a denial letter, a payment notice or the insurer's correspondence, together with the policy if you have it. Sending material does not create an attorney–client relationship.
Have a document from the insurer?
A denial letter, a payment notice or an assessor's report. Send it on WhatsApp and we will come back to you with the next step.
Sending material does not create an attorney–client relationship.