As businesses and property owners assess damage from Superstorm Sandy, lawyers who have been fielding calls from insurers and policyholders say they are seeing areas of potential conflict and while most disputes could be settled out of court, they predict some lengthy and substantial litigation.

“The amount of loss is so significant that I think both sides will be ready to fight for their positions,” said Jared Zola, a Dickstein Shapiro partner who represents policyholders.