BEWARE!! Timing to file court claim. NH 3 year law can be reduced.

The New Hampshire Supreme court in the recent case of Zannini v. Phenix Mutual Fire Insurance Co. stated that an insurance contract, that few of us actually read,  could possibly change your traditional timing to pursue your legal claim.  In that case, a property owner suffered a loss, had a dispute with his insurance company and later saw an attorney to file suit.  That dispute covered by an insurance contract would normally, by law, give the home owner 3 years to sue the insurance company if no agreement is reached with the insurance company. The insurance policy in this case, provided for a one year window of time to file suit against the insurance company. The Supreme Court said the insurance policy can trump the NH 3 year statute of limitations.

Accordingly, if you ever have an insurance claim, please make certain that you read your entire insurance policy and especially the dispute resolution provision immediately.

This is the time of year when many companies update or change their policies. Be vigilant in reviewing and understanding what changes there are so you can best protect yourself.

If you need assistance with filing a claim and understanding your rights under NH law, contact one our experienced Manchester, NH attorneys for a free consultation.