🏢 CONDOMINIUM ASSOCIATION CLAIMS
NEW, UNDERPAID OR DENIED CLAIM?
WHY CONDOMINIUM ASSOCIATION CLAIMS MATTER
Condominium associations face unique and complex insurance challenges because claims often involve multiple units, shared structures, common areas, bylaws, responsibility divisions, master policies, and individual unit policies. Damage from storms, water leaks, plumbing failures, fire, mold, vandalism, or structural issues can affect several units at once and lead to expensive repairs, resident displacement, and legal disputes.
Insurance carriers may delay or underpay claims by disputing responsibility between association vs. unit owners, applying exclusions, depreciation, or insufficient repair valuation. Expert representation is essential to protect the association’s financial and contractual responsibilities.
WHAT WE COVER
We assist condominium associations, boards, and property managers with claims involving:
Water damage, roof leaks, plumbing failures & slab leaks
Mold, moisture, and indoor air-quality contamination
Hurricane, tornado, hail, and windstorm damage
Fire, smoke, and electrical-related property damage
Flood and storm surge effects on shared structures
Foundation, structural shifting, cracking, or sinkhole results
Vandalism, theft, or malicious destruction in common areas
Elevator, utility room, and mechanical equipment damage
Business interruption or loss of rental income (when applicable)
Disputes related to master policy vs. HO-6 responsibility
OUR CONDO ASSOCIATION CLAIMS PROCESS
Policy & Bylaw Review
We analyze master policy, association bylaws, board responsibility, unit-owner coverage interaction, and legal obligations.Professional Inspection & Damage Assessment
We coordinate inspections with engineers, contractors, and moisture experts, documenting both visible and hidden damages.Claim Preparation & Filing
We prepare detailed claims packages, photo evidence, expert reports, and cost-of-repair estimates for full building standards.Negotiation & Representation
We communicate directly with the insurance carrier, protecting the association from partial, delayed, or disputed payouts.Settlement & Completion Support
We remain involved until appropriate settlement funds are secured for proper restoration and code-compliant repairs.
WHY CHOOSE US
Experienced in multi-unit, high-value, and master-policy claims
Licensed & bonded public adjusters — we represent the association, not the insurer
No recovery — no fee commitment
Ability to manage large-loss, shared-structure & multiple-claim-unit files
Free claim review for new, ongoing, or underpaid condo claims
THINGS TO KEEP IN MIND
Master policy and unit-owner responsibility can be misinterpreted by insurers
Repairs must meet building code compliance — not minimal patchwork
Hidden moisture may affect neighboring units and shared walls
Association leaders should not rely solely on carrier adjusters or TPAs
Documentation and timelines are crucial for special assessment protection