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Condo/HOA Association Insurance Claims
HOA or condo association property claim? We help Florida associations recover full coverage for shared-property damage.
Condo and HOA Association Insurance Claims in Florida
When a hurricane, fire, or other covered loss damages a community's shared property, the association faces a claim that is larger and more complex than any single homeowner's, and the outcome affects every owner in the community. The association's master insurance policy covers the building structures, common elements, and shared systems it is responsible for, and pursuing that claim properly is one of a board's most important responsibilities.
These claims involve significant dollar amounts, detailed master-policy language, and many stakeholders, and insurers scrutinize them accordingly. Determining exactly what the master policy covers, versus what falls to individual unit owners, is a recurring challenge, especially given Florida's condominium and HOA statutes in the Florida Statutes and recent building-safety reforms. We represent associations in maximizing recovery for shared-property losses.
Thorough documentation and a careful reading of the master policy drive these high-value claims.
This is part of our Property Damage Claims practice. Related matters include commercial property claims and damage caused by an HOA or condo. Review our case results, learn about Attorney Edward G. Jimenez, or request a free consultation by calling (321) 465-3425.
Client Reviews
What the Master Policy Covers
An association's master policy insures the buildings, common elements, and shared systems the association maintains, but the exact line between association and unit-owner responsibility depends on the policy and the governing documents. We analyze the master policy and the declaration to define precisely what the association can claim, so nothing covered is left out and the board pursues the full scope of the shared-property loss.
Large, Multi-Stakeholder Claims
Association claims are high-value and affect every owner, which makes insurer scrutiny, and the pressure to settle low, intense. We help boards document the full extent of the damage with appropriate experts, present a well-supported claim, and resist underpayment, so the community has the funds to properly restore its shared property rather than passing the shortfall to owners through assessments.
Protecting the Whole Community
Because the recovery affects everyone, getting the association claim right matters enormously. We guide the board through documentation, the master-policy terms, and the statutory framework, and pursue the carrier for full coverage. Where unit interiors are also damaged, we help coordinate with owners' individual claims. Call Jimenez Legal at (321) 465-3425 or request a free consultation.
Frequently Asked Questions
It covers damage to shared property such as roofs, building exteriors, and common areas under the master policy.
The association, usually through the board and management, files for damage to the shared property it insures.
Shared-property losses affect the whole community, and unit owners may have separate claims for their interiors.
They involve large losses, master policies, and many stakeholders, which insurers scrutinize closely.
The master policy, inspection reports, and thorough documentation of the shared-property damage.
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