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Water Damage Claim

Broken Pipe & Water Damage Public South Florida

is not a stranger to water damage insurance claims. Floridians see the normal amount of broken pipe or water heater issues, but also issues because of the Hurricane/rainy seasons, which can happen in many of the coastal cities from Miami to Boynton Beach and all over South Florida. Unfortunately, these types of claims are often present issues if they are not properly filed and presented to the Insurance Company. Cohen & Associates Public Adjusters highly recommend to always have your public adjuster file your initial claim.

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. It is very common for most water damage claims to lead to mold damage as well. Mold growth can exist after suffering water damage in your home or business in as little as 48 to 72 hours. When it is initially discovered, the first step in a property damage situation is to mitigate the situation and dry out in order to prevent further damage and/or mold growth, and also to show your insurance company that you acted accordingly to your homeowners’ policy by mitigating damages as soon as they were discovered.


Don’t hesitate or be unsure, after any water damage loss in Florida, it is imperative that you contact your public adjuster. Contacting your public adjuster prior to you establishing a property claim is very important with water damage, as homeowners run the risk of underestimating their claim, or cleaning up damage that prevents them from getting a full claim. If you have already filed your claim, a public insurance claims adjuster can still help you improve your claim and re-reimbursement.
Many homeowners might not be aware that their property is suffering water damage and may discover that their property is infested by mold. Their first instinct is to open a mold claim. This is the first way to have your claim DENIED! You should know mold on its own is not a covered loss. It is only a covered loss if it is a result of a covered cause of loss, such as water damage. Also, most homeowners are not aware that they have very low mold coverage in their policy. This is also why it is a necessity that any homeowner or business owner hire a public adjuster to establish and handle their property insurance claim. A good public adjuster will be able to determine the cause of the loss, and therefore maximize your property claim.

Public Insurance Adjuster in South Florida

Our pristine reputation is a reflection of our extensive history of successful claim recoveries throughout South Florida. For this reason, a majority of our clientele are return clients and/or referals of their friends and family members.

We consistently help our clients throughout South Florida receive the maximum amount of compensation that they are entitled to, a few of our recent claims include:

  • A water damage and plumbing leak in Parkland, FL. We were able to get our client a settlement of $49,500. This is well over the $17,000 their insurance initially offered.
  • A broken pipe leak in a Sunny Isles Beach Kitchen. Our client’s insurance originally offered them $15,000 and we were able to get them $65,000.

You can see more of our recent results here.

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