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ACTION ALERT: The insurance industry is backing another bill that is trying to take away your rights and significantly reduce your coverage for roof damage.

ACTION ALERT: The insurance industry is backing another bill that is trying to take away your rights and significantly reduce your coverage for roof damage.

  • Posted: Jan 30, 2021
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The insurance industry is backing another bill that is trying to take away your rights and significantly reduce your coverage for roof damage.

The insurance industry is backing another bill that is trying to take away your rights and significantly reduce your coverage for roof damage. If passed, Senate Bill 76 could potentially cost Floridian homeowners millions of dollars.

We need homeowners and business owners in Tallahassee on Tuesday, February 2nd to be heard and oppose this bill.

 

Here are some highlights of the bill:
  • Insurance companies can limit coverage for roofs more than 10 years old based on a “roof reimbursement schedule.” This could result in significant out of pocket expenses for homeowners.
  • The roof reimbursement schedule limits coverage to a percentage of the amount to repair or replace the roof.

Coverage can be limited to:

  • 70% for metal roofs
  • 40% for concrete tile and clay tile roofs
  • 40% for wood shake and wood shingle roofs
  • 25% for all other roof types, including asphalt shingle roofs

 

  • Timeframe to report property damage claims, including Hurricanes, is reduced to 2 years!
  • Policyholders must send their insurer a Notice of Intent to file a lawsuit prior suing for recovery of insurance proceeds.
  • Notice of Intent must include: the amount of damages sought, a detailed estimate for repairs, the actions of the insurer that gave rise to the action, and the amount of attorney’s fees incurred by the insured policyholder.
  • Notice of Intent must be served at least 60 days before filing a lawsuit. Given the 90 day period insurers already have to adjust claims, adding 60 days means generally waiting 5 months from the date the claim was reported before being able to sue for failure to adequately pay the claim.
  • Limits policyholders’ ability to recover attorney’s fees in a lawsuit against their insurer, a right that has been guaranteed under Florida law for decades.

 

  READ the BILL

Insurance companies are making more in profits than ever before (read about the CEO earning $27 million here: https://www.palmbeachpost.com/news/state–regional/rate-hike-greedy-insurance-ceo-paid-27m-times-citizens-chief/DBgq9ulJnA3GHE0Ap6e8oJ/?template=ampart). Their profits are your losses!
We need every roofing company to bring a homeowner to the Tallahassee Civic Center on Tuesday, February 2, 2021, to testify against bad legislation backed by insurance companies. Please call your representative and tell them you oppose Senate Bill 76 because it is bad for property owners, insurance consumers and contractors. This could affect your home and your livelihood!
Homeowners, do not let the insurance industry take away your rights with Senate Bill 76. Your voice counts! Call or email your representative today!

 

At Cohen Law Group, It’s About Justice!

It’s more than a slogan, it’s our firm’s mantra. We are zealous in protecting your rights. We offer 24-hour availability through our answering service. Call us today.

(407) 478-4878

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Cohen Law Group is proud to once again support The Leukemia & Lymphoma Society, this year’s Light The Night virtual event on Thursday, November 12. 

Cohen Law Group is proud to once again support The Leukemia & Lymphoma Society, this year’s Light The Night virtual event on Thursday, November 12. 

  • Posted: Oct 27, 2020
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Cohen Law Group is proud to once again support The Leukemia & Lymphoma Society’s (LLS)

Mission: to cure leukemia, lymphoma, Hodgkin’s disease and myeloma, and improve the quality of life of patients and their families through our participation in the Central Florida Light The Night. Light The Night is LLS’s annual fundraising event and the nation’s night to pay tribute and bring hope to people battling cancer.  Please help SFPMA Support our Members and the Lukemia & Lymphoma Society with a Donation.

This year’s “Light The Night” virtual event on

Thursday, November 12. 

Madison Cohen and Harvey Cohen share their touching story of survival and hope

As you may already know, my daughter Madison is a blood cancer survivor.

See her story by clicking on the video below.

The Leukemia & Lymphoma Society is an organization that I continue to support because I know first-hand that they are saving lives and I hope you can help us save lives as well.
Cohen Law Group has set an ambitious goal to raise $10,000 for the Central Florida Light The Night. We truly value the partnership that Cohen Law Group, has developed with you. We view you as a partner with Cohen Law Group in the effort to make our communities healthier.
I am asking you to please make a contribution to help us reach our goal.
I am confident that you will join us in stepping up to the challenge. Your tax-deductible contribution (LLS Federal Tax ID: 13-5644916) will greatly enhance these collective efforts. We also invite you to join Cohen Law Group at this year’s Light The Night virtual event on Thursday, November 12. 

Please join us in supporting an organization dedicated to saving and changing lives.

 

You can make a secure online donation by clicking on the link below:

Team fundraising page  https://pages.lls.org/ltn/ncfl/Orlando20/cohenlawgroup

 

I look forward to your support of our efforts. Thank you and have a great day.

At Cohen Law Group, It’s About Justice!
It’s more than a slogan, it’s our firm’s mantra. We are zealous in protecting your rights. We offer 24-hour availability through our answering service. Call us today.
(407) 478-4878
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I Have A Roof Claim But I’m Worried About The Attorneys Cost

I Have A Roof Claim But I’m Worried About The Attorneys Cost

I Have A Roof Claim But I’m Worried About The Attorneys Cost

by Cohen Law Group / Kailey Evans

A windstorm, hailstorm, or hurricane happens and you are worried about your roof.  You talk to a roofing contractor and they tell you that you have damage on your roof following the storm. You have been paying insurance premiums for years and decide you are going to file a claim. You file the claim and someone suggests (or you decide) that hiring a lawyer is a good idea. You start thinking “I want to hire a lawyer, but how much will it cost? What if I hire a lawyer and the insurance company does not ultimately pay my claim? Will I have to pay the fees for the insurance company’s lawyers?”

 

At Cohen Law Group, we want our clients to know up front and right away what their financial responsibility will be in a property damage case.  We understand that our clients already have the stress of trying to get repairs/replacements done at their home and we do not want financial worries to add anything else to their plate. So, we make sure that we address all personal financial obligations with our clients at the beginning of the case and during the case if the possibility of additional financial obligations arise.

Providing Statewide Professionals to Handle All Condo and HOA’s Storm Damage Claims for Florida Properties!

These Trusted Legal Firms, Public Adjusters, Roofing & Service Companies that work with You to Settle Storm Damage Claims!

CondoHoaAdjusters.com

 

I want to hire an attorney at Cohen Law Group, but how much will it cost?

At Cohen Law Group, we work on a contingency basis.  In the simplest terms, that means that we do not collect fees if you (our client) do not recover insurance benefits. It is a no-risk relationship in the sense that we front the cost of preparing your claim, instead of billing you for the costs, and collect the costs from the insurance benefits at the end of the claim. Therefore, as long as you proceed with your claim, you will not be obligated to pay out of pocket for any of the attorney’s fees or costs.

 

What if I hire a Cohen Law Group attorney and the insurance company does not ultimately pay my claim?

At Cohen Law Group, if we work on your claim and are ultimately unsuccessful in obtaining any insurance benefits for you, you are not responsible for our fees or costs. Again, because of the contingency basis that we work on for our clients, we do not collect fees or costs unless we recover insurance benefits on our client’s behalf.

 

Will I have to pay for the insurance company’s lawyers if my case goes into litigation?

A question we are often asked is whether or not our clients will be responsible for the insurance company’s attorneys once the case goes into litigation.  The answer is, it depends.  In most cases and based on Florida law, the insurance company is typically responsible for paying the homeowner’s attorney’s fees.  However, once a case is in litigation, there are certain situations where the insurance company’s attorneys can file something that opens our clients up to potential financial exposure (including paying the insurance company’s fees and costs).

 

One particular scenario is called a Proposal for Settlement.  After a case is in litigation, either side can file a Proposal for Settlement, which is a court document making a formal offer to the other party. If the insurance company files a Proposal for Settlement and a homeowner rejects the proposal, there is a possibility that the homeowner could be responsible for the insurance company’s attorney’s fees and costs of litigation.  The specifics of the law are best left for another blog post (so be sure to keep checking back in to get more information – or call us to discuss further).  However, whenever a Proposal for Settlement is filed by an insurance company in one of our cases, all of the attorneys at Cohen Law Group are excellent at reaching out to their clients and explaining the potential consequences of rejecting the proposal (including financial obligations) to their clients.  We want to make sure that before our clients incur additional financial expenses, they are fully informed and prepared for the possibility.

Kailey Evans, esq.

 

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You have until September 10, 2020 to make a claim for damages that were the result of Hurricane Irma.

You have until September 10, 2020 to make a claim for damages that were the result of Hurricane Irma.

If you have not properly addressed possible Hurricane Irma damage to your property – the time to do so is now.
Hurricane Irma first made landfall in Cudjoe Key, FL on September 10, 2017, which means you have until September 10, 2020 to make a claim for damages that were the result of Hurricane Irma.
September 10, 2020 is also the deadline to re-open or supplement a claim that has already been made for damages that occurred as a result of Hurricane Irma.
If you are unsure if your property sustained damage as a result of Hurricane Irma you should ask for an inspection by a qualified contractor, estimator or building inspector to assess whether hurricane-force winds damaged or compromised the roofing system and building envelope. Many companies offer this initial inspection free of charge. Given the complexities of a large loss claim, consider consulting with an attorney experienced in handling commercial insurance claims for condominiums and homeowners associations.
The deadline is fast approaching, so time is of the essence to file your hurricane claim. If you miss the deadline, you will be forever barred from initiating a hurricane Irma claim in the future.
We are available to assist you and connect you with top professionals in the industry to accurately evaluate hurricane damage and submit an insurance claim the right way – today.
At Cohen Law Group, It’s About Justice!
It’s more than a slogan, it’s our firm’s mantra. We are zealous in protecting your rights. We offer 24-hour availability through our answering service. Call us today.

(407) 478-4878

 

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Virtual Happy Hour to Benefit the Leukemia & Lymphoma Society by Cohen Law Group  Aug 26th, 2000 5-6PM

Virtual Happy Hour to Benefit the Leukemia & Lymphoma Society by Cohen Law Group  Aug 26th, 2000 5-6PM

  • Posted: Aug 24, 2020
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Virtual Happy Hour to Benefit the Leukemia & Lymphoma Society by Cohen Law Group  Aug 26th, 2000 5-6PM

*Special Virtual Event: Cohen Law Group  Aug 26th, 2000 5-6PM
Please mark your Calendars
If you can not make it to the Event?

Please make a Donation to help

 

Cohen Law Group
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Happy Hour with Cohen Law Group to benefit the Make-A-Wish Foundation a Charity Event/Virtual Happy Hour/Harvey Q & A on Wed., May 27, at 5pm. 

Happy Hour with Cohen Law Group to benefit the Make-A-Wish Foundation a Charity Event/Virtual Happy Hour/Harvey Q & A on Wed., May 27, at 5pm. 

  • Posted: May 25, 2020
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Happy Hour with Cohen Law Group to benefit the Make-A-Wish Foundation

Cohen Law Group and several other organizations will host a Special Event.

Charity Event/Virtual Happy Hour/Harvey Q & A on Wed., May 27, at 5pm.

MAKE A DONATION

REGISTER FOR THE EVENT

 

We challenge your organizations and business to step up and join us to raise money for the amazing Make-A-Wish Foundation!
Fun Facts-
•Harvey will match donations raised during the event up to $5000.
•Pre-register attendees from your organization
•Live donation and donor acknowledgement during event
•Entertaining Games, Contests and Prizes
•Your organization logo marketed on flyer in blasts
•Guaranteed to be a lively event while Making Wishes come true!
We are looking for organizations, businesses and sponsors to participate and market the event to your contacts, members and employees. We will create marketing materials you can distribute.
If you would like to participate, we ask that you do the following-
· Market Event to your contacts, CO-workers, family, friends.
· Participate in Event
· Donate Raffle Prizes – gift cards from your business or Visa, MC or American Xpress, etc. Free 1 year membership to your organization, etc.
· Optional- Match funds up to a specific dollar amount like Harvey!
· Email your logo, your contact information and Raffle Prize, etc. if you wish to participate.
*One of our contests will be Team Tally- Tag-A-Friend or Tag-A-Coworker- Whoever tags and gets the most participation from their organization wins a prize for themselves as well as the entire organization!
SFPMA – for a lucky company SFPMA has donated a Full Lifetime Company Listing and a Full Page of Advertising in our FLORIDA RISING MAGAZINE for one year.  (Let us help you get noticed in the industry)
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How the Coronavirus Can Affect Your Insurance Claim By Bobby Parsons / Cohen Law Group

How the Coronavirus Can Affect Your Insurance Claim By Bobby Parsons / Cohen Law Group

  • Posted: Apr 28, 2020
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How the Coronavirus Can Affect Your Insurance Claim

By Bobby Parsons / Cohen Law Group

 

As the Coronavirus continues to spread throughout the globe, many industries will experience closures and slowdowns, as well as implement various protocols limiting their productivity. For instance, the Florida court system has already issued an administrative order limiting court appearances that would require the gathering of a substantial number of people in an effort to curtail further spreading of the virus. The extent of such protocols being put in place during the near-term future remains unclear, but it is safe to assume, the business interruptions we have seen thus far are only the beginning until a vaccine is developed, or the virus runs its natural course.

Many offices are closing their doors for the foreseeable future and requesting employees to work from home. The most recent recommendations from the authorities include a moratorium on gatherings of ten people or more, down from fifty only a few days ago. The spreading of the virus, and the associated efforts to curtail its spread, will certainly impact all aspects of our lives, and suffering a loss to your home or property would only serve to make an impossible situation worse.

Insurance companies are very large, with vast amounts of employees. Should you suffer a loss to your property, an insurance company will likely be ill-equipped at this time to properly adjust your claim due to limitations on its productivity like those discussed above. Normally, an insurance company must conclude its investigation of your claim within ninety days. However, this rule is subject to a provision that allows insurance companies to exceed this timeline during exigent circumstances, like the one we are all dealing with today. What this means, is that your claim could get stuck in limbo while the global issue of the coronavirus runs its course. Scheduling inspections, hiring contractors, gathering documents from your insurance agent, and other steps ordinarily conducted during an insurance company’s investigation into a claim will take much longer than usual.

Given the uncertain nature of the near-term future regarding the ability to properly address your insurance claim, what is a property owner to do should it experience a loss? The most important thing to do in a time like this, is to protect the property from further damage and stabilize it. This could be something as simple as placing a tarp on the roof after suffering a leak. Even though the carrier is likely going to take quite some time to investigate the loss, this does not absolve a property owner of its responsibility to protect the property from further damage. Likewise, a property owner must also preserve the property to the best of its ability for inspection by the insurance company at a later date. Literally maintaining possession of damaged property may be a virtual impossibility due to contaminants or some other risk. However, should this occur, property owners should document such property thoroughly, and consider storing the damaged property with a third party better-equipped to handle such property. As the spread of the coronavirus continues to wreak havoc, it is important to know that an insurance company’s investigation into a property claim is likely to take much longer than normal, and it is equally important to understand how a property owner needs to adapt to the drawn out process.

 

If you have any questions regarding this, you can call our office 24 hours a day at 407-917-3192.

Robert "Bobby" Parsons, Esq.

Robert “Bobby” Parsons, Esq.

Learn more about Bobby here!

DISCLAIMER: This website is for informational purposes only and does not provide legal advice. Please do not act or refrain from acting based on anything you read on this site. Using this site or communicating with Cohen Law Group through this site does not form an attorney/client relationship. This site is legal advertising. Please review the full disclaimer for more information by clicking here.

 

 

 

 

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Please make a lifesaving donation to the Leukemia & Lymphoma Society

Please make a lifesaving donation to the Leukemia & Lymphoma Society

  • Posted: Oct 26, 2019
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Please make a lifesaving donation to the Leukemia & Lymphoma Society

Every single penny counts in fundraising for this lifesaving organization. Whether you can donate $1 or $1,000, be certain that your generous contribution will change, and hopefully even save, lives in your community.

To make a lifesaving donation, click here:
https://pages.lls.org/ltn/ncfl/Orlando19/CohenLawGroup

 

My family, my team at Cohen Law Group, and I sincerely thank you for your continued support and lifesaving generosity.

Many of you know how important the Leukemia & Lymphoma Society (LLS) is to me, my family, and everyone here at Cohen Law Group. For years, you have aided our efforts in raising funds to give back to this lifesaving organization for which we are eternally grateful.

My own family was affected by Leukemia. We are not the only family to experience this journey but we hope, that through supporting LLS, we will be one of the last. This year we were honored to receive artwork from Kay Colton who, at only age 11, is a Leukemia survivor. Kay’s family and my own are just two examples of the thousands upon thousands of lives LLS has impacted.

Last year, we raised over $8,000 for LLS! Today we are asking for you to join us once more in our goal of raising $10,000 and beyond.

With the Utmost Gratitude,
Harvey V. Cohen, President

Here’s how your donation to LLS helps.

  • LLS is committing $25 million to childhood cancer research over the next five years.
  • LLS helped advance 34 of the 39 blood cancer treatment options approved by the FDA in 2017 and 2018.
  • In 2018 alone, LLS provided over $2.5 million in direct financial assistance, helping more than 900 patients in the North & Central Florida Chapter.

This lifesaving work is possible because of the generosity of communities like ours across America. There is still so much to accomplish in defeating blood cancers once and for all and so we hope that you are able to make a donation of any amount to our fundraiser today.

 

Supporting our Members

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