Our client arrived to his Massapequa home after returning from a business trip only to discover a frozen pipe broke under his kitchen sink causing water damage to both the building and personal property including his collection of sports memorabilia. The carrier stated the insured’s damaged sports memorabilia was considered “business personal property” and not his personal collection due to our client owning and operating a well-known sports management company. The insurance carrier turned their backs on their policyholder and chose to deny coverage for his personal collection. Due to our firm’s fierce persistence and knowledge of insurance policy terms and conditions, the supporting documentation of facts and arguments ultimately led the carrier to reverse the partial claim denial and provide coverage for the insured’s personal damaged sports memorabilia.
