Cohen and Associates Public Adjusters
Property insurance “RIGHT TO REPAIR PROGRAM”
We have been very fortunate in the state of Florida for not experiencing or being hit with a major storm or hurricane in the past ten years. During this quiet time in south Florida has produced a spree of new property insurance companies.
Public Adjusters Miramar
Cohen & Associates Public Adjusters recently had another water damage claim, this time in Miramar. So often, water damage claims come from things inside the house, a leaky pipe, a hot water heater leaking, or, even a faulty or worn hose on your dishwasher.
Pubic Adjuster Florida Hurricane Preparation
Since we are already in the month of August which is the core of the Hurricane season having a public adjuster in Florida on call would be a good idea. We have the first named storm in the Atlantic Ocean. This is a reminder that even if we had a slow start all it takes is one hurricane in our path to reach Florida and cause water damages, wind damages and mold damages.
Public Adjusters – COHEN & ASSOCIATES PUBLIC ADJUSTERS
A tip from Cohen & Associates Public Adjusters. As you may or may not know, we are in the middle of hurricane season at this time in South Florida. Let Cohen & Associates Public Adjusters provide you a FREE POLICY REVIEW.
Roof Leaks
A roof leak is a covered peril in the state of Florida. However since late 2012 Citizen Property and Casualty Insurance Company removed it from their policies as a covered peril. This means any interior damage due to a roof leak is not covered UNLESS the roof leak is related to hurricane or wind damage which is a covered peril. Most citizen policies are written this way.
Water Damage Claims
Did you know that 90% of most property insurance claims are water damage claims? Water damage claims can be caused by a broken pipe, A/C leak, shower pan leak, roof leak, even a toilet overflowing can cause water damage to your home or business.
Cohen Public Adjusters Success Story: Miami Homeowner Water Damage
A homeowner in Miami, Florida filed a claim due to a broken pipe leak. The water damage also resulted in mold damage as well. Total property insurance claim settled with Cohen & Associates Public Adjuster for $42,000.00
Cohen Public Adjusters Success Story: Broken Pipe Leak in Miami Beach
A homeowner in Miami Beach, Florida suffered a bathroom broken pipe leak which flooded their bedroom and hallway, causing their wooden floor to buckle up. After the homeowner filed an insurance claim, the insurance company wanted to pay $14,367. Cohen & Associates Public Adjuster closed their claim at $52,333.
Cohen Public Adjusters Success Story: Supply Line Leak in Hollywood Property
A homeowner filed a claim in Hollywood, Florida due to a supply line leak under the sink kitchen cabinet. The insurance company only paid $5, 225 for the property damage. Cohen & Associates Public Adjuster recovered $22, 500 for the repairs.
Cohen & Associates Public Adjusters Success Story: Leaking Roof and Mold in Pembroke Pines
A homeowner in Pembroke Pines, Florida filed a claim for their leaking roof, which ended up also requiring mold remediation as well. The insurance company wanted to pay our client $15,000. Cohen & Associates Public Adjuster recovered $42,000 for the reconstruction, and another $10,000.00 for the mold.
What is a Public Adjuster?
A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.
Why All Condominium Homeowners Need Their Own Homeowner’s Policy
Within your homeowners association fees (HOA), there is portion of which is applied towards the building’s flood insurance and a portion that is applied towards their commercial building insurance. The flood insurance covers the building/condominium in case of flood.
Call a Public Adjuster prior to filing a property insurance claim
When fire or water damage happens to your home or business, usually your first instinct is to open a claim with your homeowner’s insurance company and see what they advise you to do next. This is exactly what you should NOT do.
How to Prepare for and Prevent Hurricane Damage
Hurricane season in South Florida is right around the corner. It is important that you take these measures to ensure your home and family are safe. In the unfortunate event that your home or business does suffer hurricane damage, Cohen & Associates Public Adjusters are here to help.
5 Business Interruption Facts You May Not Know About
Business interruption insurance coverage is very important for almost every business. It helps you retain your net profits and continuing expenses for a period of time after a loss has occurred. However, business interruption coverage can be complicated.