PROPERTY INSURANCE CLAIMS

There is no doubt that damages to a home or business causes stress and grief to property owners and business owners. These difficulties occur when a claim is not properly handled and the insured feels like the insurance company is not standing behind the promises in the policy. Because any insurance claim such as hurricane, fire damage, water damage, and plumbing damage can be emotional for insureds, that is why policyholders hire help such as an insurance claim public adjuster or public claims adjuster with their claims to relieve the emotional burdens …Cohen & Associates Public adjusters take the burden off your shoulders so you can focus on the rebuilding of your home or business.

Cohen & Associates are here for you until you receive exactly what you are entitled to; a maximum fair settlement!

 

GOT A NEW INSURANCE CLAIM?

Whether it is a Flood/Water Damage, Plumbing Leak, Smoke/Fire Damage, Mold, or Vandalism/Theft damage to your home or business (Business Interruption), the period following a property loss is a critical time for any individual or company.  That’s why our services are available 24 hours a day 7 days a week.  An Insured can file a claim however, by contacting Cohen & Associates Public Adjusters from the inception/the date of loss this will guarantee the steps of your claim process will be done accurately and efficiently with your property claim. We serve clients in Miami, Aventura, Miami-Dade County, Broward County and Palm Beach County.

 

WE OFFER A FREE INSURANCE CLAIM ASSESSMENT AND POLICY REVIEW.

DIDN’T GET PAID ENOUGH?

(SUPPLEMENT INSURANCE CLAIM)

Did you know that Florida law allows up to five (5) years to re-open an insurance claim or file a supplemental claim.  If your feel you were unfairly underpaid by your insurance company, Cohen & Associates Public Adjusters offers a free insurance claim assessment and policy review.

Insurance claims are a loss for any insurance company.  An insurance company is a business like any other business.  Your insurance adjuster will try to pay as minimum as possible in order to save money for their employer which is your insurance carrier. This is where Cohen & Associates Public Adjusters will come to assist.

We will review all documents, damages, receipts, losses, etc. and submit a  claim supplement to your property insurance carrier for whatever was unfairly paid or just left out of your scope of work. A Supplement is a claim for additional repair or replacement costs. Supplements are commonplace in the insurance claims process. However, if you are a policyholder unaware of your policy rights, you could be walking away from hundreds or thousands of dollars that you are entitled to collect.

Insurance claim supplements usually occur after a policyholder submits a claim, gets paid and gets the repairs or replacements completed. Then, additional damage is discovered some time later that your insurance adjuster did not pay for.

Many people mistakenly think that once your insurance claim is closed, it cannot be re-opened

If you have been paid or have received an offer of settlement on a portion of your property insurance claim, we can professionally review all the related paperwork in seeing what was not paid and left out of the scope work.   It’s not uncommon for an insurance adjuster to omit of incorrectly misprice details in your claim. Cohen & Associates Public Adjusters will conduct further negotiation with your insurance adjuster and insurance carrier in order to get you a fair MAXIMUM settlement.

DENIED INSURANCE CLAIMS

Insurance claims are a loss for any insurance company.  Therefore insurance companies often deny insurance claims not represented with a public adjuster.  This is usually due to the lack of insureds understanding of the claim process and homeowner policy terms. Cohen & Associates Public Adjusters have obtained coverage for many previously denied claims.  However if after reviewing your insurance claim we find that it was rightfully denied, we will advise you.  We will review your denied insurance claim for free.

Our team of expert public adjusters serve Broward County, Miami-Dade County and Palm Beach County, including Aventura, Bal Harbour, Boca Raton, Boynton Beach, Brickell, Cooper City, Coral Springs, Davie, Deerfield Beach, Delray Beach, Fort Lauderdale, Golden Beach, Hallandale, Hillsboro Beach, Hollywood, Kendall, Plantation, Hialeah, Opa Locka, Jupiter, Key Biscayne, Lake Worth, Miami Beach, Miramar, Palm Beach Gardens, Parkland, Pembroke Pines, Pompano Beach, South Beach, Sunrise, Sunny Isles Beach, Surfside, Wellington, Weston, West Palm Beach, former Insurance Company Adjusters, Contractors, Mediators, Attorneys and Engineers. We truly have assembled the best team of experts to provide the best insurance claim representation.

THE INSURANCE CLAIMS PROCESS

Cohen & Associates Public Adjusters will assess your water, flood, fire/smoke, mold, business interruption or vandalism damages by preparing a thoroughly detailed estimate – Cohen & Associates Public Adjusters will present property damage estimates/scope of work, inventories and all necessary valuations to help expedite your claim when meeting at the location of the loss.

Assist in the preparation of inventories for your damaged personal or business contents and assist in evaluating approximate current values.

Prepare a time elements of losses, such as business interruption, loss of rents or additional living expenses (A.L.E.)

When necessary we will use the services of structural appraisers, engineers, accountants, inventory specialists and other experts or professionals.

We will meet your insurance adjuster at the time of all inspections on the premises to address your water, flood, plumbing leak, fire/smoke, mold or vandalism claim.  We will also be establishing a professional line of communications with your insurance carrier.

 

All to get you what you’re entitled to: a Fair Maximum Settlement!

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