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Insurance Coverage Press Release

Insurance policy changes could leave homeowners under water
Maitland, FL
May 26, 2016

Insurance is largely accepted as one of the “necessary evils” of home ownership, along with having to fix your own toilet if it breaks and that one neighbor that always needs to borrow something. While it can be frustrating to pay for a service you may never need, the benefit to insurance is security. It is knowing that should tragedy strike, the insurance company will step forward and help you pull your life back together. Or perhaps not. Florida homeowners may be in for an unpleasant surprise. An unsettling trend is developing as insurance companies move to reduce water damage coverage, if not remove it all together.

Water damage is a very real concern in Florida, a state that is not only surrounded by water but contains more than 30,000 lakes and hundreds of miles of rivers. In addition to this already damp and humid climate, Florida is regularly beset by tropical storms and hurricanes every year. Water damage on some level is almost inevitable.

Insurance companies are already offering discounts on policies if homeowners are willing to exclude water coverage. Knowing the environment is ripe for it, these insurance companies are trying to avoid an almost guaranteed payout. Additionally, many companies are trying to set the cap for water damage coverage at $3000. Something as simple as a burst pipe could cost $3000 or more to fix. When you factor in an incident such as a tropical storm or a hurricane, the claims rise from tens of thousands to hundreds of thousands of dollars.

Additionally, being covered for flood or hurricane damage does not include coverage for water damage. For example, say your area is wracked by a tropical storm. Days of rain have saturated your roof and your walls, and then eventually the house flooded. Would you be covered, or would your insurance company claim that the water damage was done before the actual flooding? Perhaps the tropical storm evolved into a hurricane, and your saturated walls gave way to the wind. Would you be covered in this instance, or would the insurance company insist that since the water damage came first they were not liable?

The conditions and clauses only grow more absurd as policies are broken down. Many policies offer coverage for mold damage, but not water. If the water damage is the source of the mold, are you then no longer covered? Other policies offer coverage for volcanoes, but not water. Since Florida is well outside of the Ring of Fire, what is even the point of that coverage? At what point does common sense reassert itself? If you have a house fire, will they refuse to cover damage from the water used to put the fire out?

We pay for insurance to be covered in times of distress. As homeowners, we need our policies to cover the damages and pitfalls we are most likely to face. It is important to make sure your insurance policies cover your needs, and are relevant to your home and the area in which you live. And as a Floridian, coverage for water damage is incredibly relevant.

Cohen Law Group are a multi­focus law office with experts in litigation, specifically insurance claims. Their office is at 350 N. Lake Destiny in Maitland, FL and they can be found on the web at

Harvey Cohen
Cohen Law Group
350 N. Lake Destiny
Maitland, FL

Now Hiring- Client Service Representative

We are hiring

Looking For A Client Service Representative

 Our firm is dedicated to providing our clients with aggressive representation and personalized attention to each case matter.

 We are a mid-sized law firm located in Maitland that is growing. We are looking for an experienced client service representative with a Business Development/ Marketing background, with a thirst for knowledge and  a passion for litigation. Our firm is not your conventional law firm. The office environment is very positive and motivating. Every employee is valued as an integral team member and treated like part of a family. We  promote a healthy balance between work life and personal life. We all have a common goal to deliver superior service to every client and every case that is represented by the firm. We believe that happy employees  equal exceptional performance and productivity. 

The client service representative should be able to fulfill the following duties:

Business Development duties:

•          Attend industry functions, such as association events and conferences, and provide feedback and information on market and creative trends.

•          Present to and consult with mid and senior level management on business trends with a view to developing new marketing strategies.

•          Identify opportunities for campaigns, services, and strategic partnerships that will lead to an increase in clien

           Cold call as appropriate within your market or geographic area to ensure a robust pipeline of opportunities.

Meet potential clients by growing, maintaining, and leveraging your network.

Identify potential clients, and the decision makers within the client organization.

 Research and build relationships with new clients.

•           Set up meetings between client decision makers and company’s practice leaders/Principals.

•           Plan approaches and pitches. Work with team to develop proposals that speaks to the client’s needs, concerns, and objectives.

•           Identify trendsetting ideas by researching industry and related events, publications, and announcements; tracking individual contributors and their accomplishments.

•           Locates or proposes potential business deals by contacting potential partners; discovering and exploring opportunities.

Protects organization's value by keeping information confidential.

•          Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.

Excellent written and verbal communication skills


Marketing Development Duties:

•        Strong research and analytical skills

•        Comfort with CRM software

•        In-depth understanding of the company’s current products and future concepts

•        A willingness to listen

•        Ability to think creatively and innovatively

•        Budget-management skills and proficiency

•        Professional judgment and discretion that comes from years of experience in the field

•        Analytical skills to forecast and identify trends and challenges

•        Strong knowledge and understanding of current trends in digital media/social media

•        Must be a confident communicator and presenter

•        Must possess excellent organizational and planning skill

•        Ability to work in high-stress environments, often for long hours

•        Self motivated with a positive and professional approach to management

 Job descriptions provided by  Palad in Staff and Monster websites.



Please submit your resume and cover letter to On the subject line please add YOUR NAME AND Client Service Rep. Thank you.

Cohen Grossman, Attorneys at Law

350 North Lake Desitny Road

Maitland, FL 32751


What You Need To Know About A Wrongful Death Lawsuit

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You may have often heard attorneys advertising on the radio that you may have a wrongful death suit if a loved one has died as a result of someone else’s negligence. But those 30-second time slots can do very little to tell a person whether they have a legitimate case for wrongful death.


Florida’s Wrongful Death Act allows a person to file a lawsuit against a responsible person in a wrongful death action if they meet three specific elements: first, there must be an intentional act, negligent act, or a breach of warranty or contract. Second, the act or breach must have been the cause of the death, and third, the injury must have been such that if the decedent had lived, he or she could have hypothetically recovered in a lawsuit.


Those three elements sound simple, but they are just basic outlines. In reality, a wrongful death suit is a complicated process that courts determine on a case-by-case basis, and things are very rarely as cut and dry. If those three elements are not met right away in a wrongful death suit, the case may be thrown out before a plaintiff has any chance to take their case a jury.


As with any civil tort, a plaintiff (in wrongful death, the plaintiff is the survivor) must show a loss or injury in order to recover damages. In Florida, a survivor may recover damages for loss of support or services, mental pain and suffering, loss of companionship, or medical or funeral expenses if the survivor paid for them. Additionally, an estate may also sue based on wrongful death for loss of earnings or medical expenses.


Finally, one important thing to keep in mind: there is a statute of limitations on filing a wrongful death lawsuit. Generally, in Florida, that limit is two years from the date of the death. However, a few exceptions exist to change that timeframe and possibly extend it. A wrongful death attorney will be able to determine whether you meet the requirements upon reviewing your case, as well as determine if you meet any requirements for an exception to the statute of limitations. It is important to keep in mind that while this may sound simple, it is usually anything but.


If you feel like you have a case from wrongful death due to the loss of a loved one, please call us at 407-478-4878 to arrange a consultation and discuss your case before it’s too late.


-It’s About Justice

October is National Disability Employment Awareness Month

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This October, the Department of Justice (DOJ) honors National Disability Employment Awareness Month by highlighting the Americans with Disabilities Act (ADA), which celebrated its 25 birthday this summer, and recognizes the Act as a fundamental gateway to equal opportunity in the workplace. To focus on disability employment, the Department of Justice wants to highlight Titles I and II of the ADA.

Title I

Title I of the ADA prohibits private employers with 15 or more employees, state and local governments, employment agencies, and labor unions from discriminating against qualified individuals in applying for jobs, advancing in jobs, compensation, or training based on their disability.

Title I is enforced by the United States Equal Employment Opportunity Commission (EEOC) and the Department of Justice. Complaints alleging employment discrimination on the basis of a disability should be first filed directly with the EEOC.

The EEOC will handle suits against private employers, while the DOJ handles suits against state and local governments.

Title II

Title II protects qualified individuals with disabilities from discrimination in services, programs, and activities provided by state and local government entities. Under this section, government entities the provide employment and vocation services to individuals with intellectual and developmental disabilities must provide those services in the most integrated setting appropriate.

Under Title II, the DOJ has fought for the rights of individuals with disabilities in enforcing the Supreme Court’s decision in Olmstead v. L.C., a ruling that requires state to eliminate unnecessary segregation of persons with disabilities to ensure that they receive the government services.

Please take time this month to reflect on the Americans with Disabilities Act, and if you feel that you, or anyone you know of has been discriminated against because of a physical, mental, or emotional disability, please give us a call.

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