From homes and apartment buildings to hotels and resorts, hospitals, schools, retail centers, and industrial and pharmaceutical facilities, Clarke & Cohen stands with Puerto Rico policyholders through every phase of the claim, from the day of the loss until the recovery is complete.

Common Property Claims in Puerto Rico

The island's recent history explains its claims. Hurricane Maria caused damage in 2017 that touched nearly every municipality, from San Juan, Carolina, and Bayamón to Humacao on the east coast, and Fiona's rains in 2022 flooded communities that were still rebuilding. The 2020 earthquakes shook the southwest, damaging homes and businesses in Ponce, Guánica, and the surrounding region, a reminder that not every catastrophe arrives by sea. Day to day, owners across the island manage wind and water intrusion, mold that develops quickly in the tropical climate, landslide and flood losses in the interior, coastal surge in towns like Rincón and Arecibo, and extended business interruption whenever power or access is lost. Hotel, resort, and manufacturing claims add layers of coverage that take real expertise to coordinate.

Our consultants handle each claim for the policyholder alone, confirming the coverage, documenting the damage fully, calculating the loss in its entirety, and presenting a claim built for complete recovery.