Superb Spanish and Continental Cuisine Your Host, Mr. Cid Formerly of the Spanish Pavillion “A Touch of Spain in Bayside” Entertainment by Harpist Victor Gonzalez Friday,Saturday & Sunday Playing Music of all Styles 3 Catering Rooms For All Occasions RESTAURANT Experience the personal touch. Affairs custom tailored 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 ank You to all who oted us Best of the Boro. We appreciate your patronage & support. AVAILABLE FOR PRIVATE PARTIES & CATERING OPEN 7 DAYS For Reservations: CALL (718) 423-0100 FAX (718) 423-0102 of the www.queenscourier.com THE QUEENS 220-33 Northern Blvd., Bayside (3 blocks west of Cross Island Pkwy.) Open For Lunch and Dinner All Major Credit Cards Accepted to your needs FREE PARKING PRIVATE FACILITIES For Business Meetings & Personal Functions To 250 Persons Incredible Support That Will Never Be Forgotten Sinai Chapels respects all Jewish traditions and customs, ha s a compassionate staff that is second to none, and has three generations of experience ser ving New York’s Jewish families. Preplanning Sinai Preplanning protects your family from unexpected expenses and making complex choices at a most difficult time. Your wishes are reflected in a unique and personal service. Costs are reasonable, all budgets are accommodated, and your investment is FDIC insured. Our staff Rabbi is available to answer your questions. For a no obligation consultation at our office or in your home, please call us. 16 lehavre Courier | december 2013 | www.queenscourier.com Legally Speaking By: Scott Baron, Attorney at Law WELCOME, AUNTIE Advertorial Q: After we entered into a contract to purchase our new home, we contacted an insurance agent to procure a homeowner’s policy. He filled out the application. Yes, it included a specific representation that the premises would be occupied, and would not lie vacant, while the policy was in effect. I signed the application. The insurer issued the policy. Two weeks after title had been transferred, a fire occurred, causing substantial damage. We had not yet moved into the premises. We were planning to, within the next few months, after completing some renovations. We had already activated electric and telephone service. My aunt, who lived in a trailer on the property, was always welcome to make use of the facilities located in the home. She was even to live on the first floor, as soon as the renovations to that part had been completed Now, the insurer has informed us that it will not cover the loss. In the insurer’s view, we made ‘material misrepresentations’ in the application, serving to void the policy. A: A misrepresentation in an application cannot be deemed material unless knowledge by the insurer of the facts misrepresented would have led to a refusal to issue your policy. Is the language of the application or policy ambiguous? Are the insurer’s underwriting guidelines silent on the matter, or generally not followed? Positive answers to these questions, among others, will serve to strengthen your case against this insurer. 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 Ave, Yonkers, NY 10710 718-738-9800, 914-337-9800, 1-866-927-4878 Sinai Chapels 162-05 Horace Harding Expressway, Fresh Meadows, NY 11365 718.445.0300 or 800.446.0406 We are here 24 hours, to serve your family. We offer FDIC insured pre-planning. www.JewishFunerals.com
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