Condominium Claims

Condominium associations typically involve some of the most complex property insurance claims. This is partly due to extensive insurance damage and partly the fact that condominium associations tend to have numerous stakeholders, each of which has their own opinions, requirements and concerns.

Tips for Organizing a Condo Association Insurance Claim

It’s easy to see how a poorly managed claim can become a nightmare without taking the right steps. All too often, multiple policyholders, insurance companies, pressure from owners, and conflicting and unclear requirements can muddle the process and prevent you from getting the claims you deserve.

Appoint – Assign a team of unit owners with clear roles for managing the claim.

Document – Keep records of all communication with the insurance company.

Compile – Have each unit owner submit a damage report with photos and details.

Obtain – Get at least three contractor estimates before starting repairs.

Gather – Collect financial and maintenance records from the last three years.

Communicate – Share claim updates regularly with all stakeholders.

Consider – Hire an experienced public adjuster if the claim stalls or gets complex.

The Hidden Challenges of Condominium Damage

Condo damage affects more than one unit, it impacts shared spaces and entire communities. Hunter Claims ensures fair representation and the settlement needed to restore your property.

What You Need to Know about Condo Association Claims

The claim management process for condominium associates is often complex and challenging. Keep these issues in mind as you progress through the claims process:

1. Complexity

Condo losses often affect multiple units or shared areas, making it difficult to account for and prove all damages. A public adjuster is often essential for fair settlements.

2. Ownership

With multiple owners and policies involved, conflicts can arise over responsibility, repairs, and priorities during the claims process.

3. Legality

Constantly changing laws add legal challenges and can slow or complicate claim outcomes.

4. Regulations

Some condo associations fall under HOA rules, which can impact claim handling and final settlements.

Frequently Asked Questions

Why are condominium insurance claims more complicated than standard property claims?

Condo claims often involve multiple unit owners, shared spaces, and overlapping insurance policies, which makes the process more complex than a single-property claim.

Who is responsible for filing a condominium insurance claim?

Typically, the condominium association files claims for common areas, while individual unit owners file for damages inside their units. In many cases, both parties must coordinate.

What role does a public adjuster play in condo claims?

A public adjuster ensures that all damages, both to common areas and individual units are properly documented, valued, and negotiated with the insurance company for a fair settlement.

How do conflicts between unit owners and the condo association get resolved during a claim?

Disputes can arise over responsibility for damages. A public adjuster acts as a neutral advocate for the policyholders, helping clarify coverage and responsibilities based on the insurance policy and governing documents.

Are legal or regulatory issues common in condominium claims?

Yes. Condo associations must follow evolving laws and regulations, which can affect claim outcomes. Having an expert on your side helps you navigate these complexities.

What should condo associations prepare before filing a claim?

Associations should gather financial statements, maintenance records, damage assessments, and multiple contractor estimates to ensure accurate claim documentation.

Do you help with delayed, denied, or underpaid condo claims?

Absolutely. We frequently step in when claims are stalled or underpaid, using our expertise to reopen and negotiate for the settlement that owners and associations deserve.

FREE Damage
Evaluation

Call us for a FREE claim inspection: 813-774-7634

We also provide pre-loss and disaster planning for commercial properties, HOAs, and contractors across Florida.

 Email: inquiries@hunterclaims.com