Legally Speaking By: Scott Baron, Attorney at Law TOTAL DEVASTATION Q: Our house was destroyed by a fire. The fire damaged virtually everything. There had been thousands of items. Only one in a thousand went undamaged. Even the documentation for many of the underlying losses was lost in this conflagration. We have a homeowner’s insurance policy that includes coverage for personal property. But our insurer says that our policy is void. The company says that we have misrepresented the value of our personal property. A: In your proofs of loss, did you state that property was lost, which really was not? That property had a value, more than it really did? Did you do this ‘willfully and fraudulently’? If so, then your insurance policy may indeed have become void. However, mere incorrect information is not necessarily tantamount to fraud or material misrepresentation. The jury must find that whatever errors were committed with unacceptable intent. Your attorney will want a comprehensive inventory as well as numerous photographs proving the almost-total destruction of your home and property. He or she will argue that, to the extent that errors were made, these errors were not intentional and were minor when considered in the overall context. Look to us at a time when compassion and trust are needed the most. u Newly Renovated Facilities • Chapel, Family Gathering & Graveside Services Available • Arrangements Can be Made in the Comfort of Your Own Home • Live Broadcasting of Funerals Over the Internet • Monument and Inscription Services Available On-site • FDIC Insured Pre-Arrangements • On Staff Rabbi to Answer All Questions Call 24 Hours a Day, 7 Days a Week 718-896-9000 or 1-888-860-8616 4 LEHAVRE COURIER | OCTOBER 2013 | WWW.QUEENSCOURIER.COM “A Touch of Spain in Bayside” Entertainment by Harpist Victor Gonzalez Friday,Saturday & Sunday Playing Music of all Styles www.queenscourier.com 220-33 Northern Blvd., Bayside (3 blocks west of Cross Island Pkwy.) FREE PARKING PRIVATE FACILITIES For Business Meetings & Personal RESTAURANT Functions To 250 Persons Superb Spanish and Continental Cuisine Your Host, Mr. Cid Formerly of the Spanish Pavillion Open For Lunch and Dinner All Major Credit Cards Accepted AVAILABLE FOR PRIVATE PARTIES & CATERING OPEN 7 DAYS For Reservations: CALL (718) 423-0100 FAX (718) 423-0102 3 Catering Rooms For All Occasions Experience the personal touch. Affairs custom tailored to your needs Buffet or sit down for any size party. Dining Room & Ballroom Special Bridal Packages Catering for All Occasions up to 300 people • Weddings • Showers • Graduations • Anniversaries • Sweet 16 Birthday Parties Treat Your Palate to a Dining Experience of the THE QUEENS ank You to all who oted us Best of the Boro. We appreciate your patronage & support. PARKSIDE MEMORIAL CHAPELS INC. 98-60 Queens Boulevard • Forest Hills, NY Other Chapels Located in Rockville Center, Woodbury, Brooklyn, and in Florida in Dade County, Broward County, Palm Beach Counties www.parksidememorialchapels.com Advertorial The law responds to changed conditions; exceptions and variations abound. Here, the information is general; always seek out competent counsel. This article shall not be construed as legal advice Copyright © 2013 Scott Baron & Associates, P.C. All rights reserved. 159-49 Cross Bay Boulevard, Howard Beach, New York 11414 1750 Central Park Avenue, Yonkers, NY 10710 718-738-9800, 914-337-9800, 1-866-927-4878
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