A leak from a neighbor, a burst pipe or damp from shared plumbing. Disputes usually turn on the source of the leak, the coverage and the scope of repair. Send the photos and the insurer's answer for review.
Cover for water damage depends on the source of the damage, the insurer's arrangement with its service providers and the scope of repairs that was set. Here, early documentation matters most.
The letter cites a policy clause and sounds final. It is usually written in general terms and does not address what actually happened to you.
What we do about itWe read the stated reason against the policy wording and the facts of the event, and check whether the clause applies here at all.
The amount you received is lower than the assessment, and the deductions appear as a single line with no breakdown.
What we do about itWe compare the report with the payment item by item, and ask for a written explanation of every reduction.
Weeks have passed, every request ends with a demand for another document, and the file is not moving.
What we do about itWe build a timeline of what was requested and what was actually provided, and set a deadline for a written answer.
You do not need to complete everything in advance. Send what you have, and we will tell you if anything is missing.
Send documentsOn WhatsApp or by email, no long forms.
Coverage, the reasons for denial and whether they fit the facts.
What the financial gap is and which route fits.
We take over the dealings. You stay informed.
The repairs covered only part of the damage. Comparing the moisture report with the scope of the work reopened the file.
Many disputes start with a term nobody explained. These are the terms that come up in almost every private property insurance file.
A clause that removes a specific event from the cover. An exclusion must be clearly highlighted in the policy, and whether it applies is examined against the specific facts of the event.
A claim that material information was not provided when the policy was taken out. We check what was actually asked, how the question was worded, and whether it relates to the damage.
A sum insured lower than the value of the property. The benefit is reduced proportionally, and the claim is checked against the proposal form you signed.
A document that closes the claim. Signing it greatly limits what can be done afterwards. It is worth checking before you sign.
A separate damage item for cars. In many cases it is not included in the first payment and has to be claimed explicitly.
A financial sanction the court may impose on an insurer that did not pay benefits that were not in dispute.
The office is in Tel Aviv and represents private clients in every court district in Israel. Most of the work is handled digitally, and court appearances take place in the court that hears the case.
You do not need an in-person meeting to start. Sending the documents on WhatsApp or by email is enough for an initial review.
Leonardo da Vinci 14, Tel Aviv · 077-444-7050
Three cases that show where the gap opened and what changed it. No names, and no figures that cannot be verified.
The situation
The letter cited a policy exclusion and stated that the event was not covered. The client had already assumed the file was closed.
What was done
Reading the exclusion against the circumstances of the accident showed it did not apply here. The renewed request relied on the wording of the policy itself.
The situation
A provider on behalf of the insurer fixed the source of the leak, but the moisture damage to the walls and floors was left open.
What was done
Comparing the moisture inspector's report with the work actually done brought the file back for discussion.
The situation
The contents were valued as a blanket list, without regard to the items that were actually in the home.
What was done
Gathering records, photos and supporting documents set a different basis for discussing the value of the contents.
The descriptions are general and do not identify any file or client. The outcome of one case does not indicate the outcome of another.
The provider's responsibility and its arrangement with the insurer are examined together. Recurring damage is a sign the repair was partial.
That is a third-party claim alongside the building claim. Both are handled together.
It makes things harder, but it does not always block the claim. Professional reports and correspondence can serve as a basis.
Send the denial letter, the payment notice or the policy, and we will come back with a clear picture.
Send it on WhatsApp