Condo and HOA claims involve master policies, unit-owner responsibilities, engineering reviews, and association-wide storm damage. Boards need clear documentation for members and vendors alike. We navigate that complexity so your association receives fair coverage for common elements while repair scopes align with the permits your community will need.
Florida Condominium Claims Adjuster
A Florida condominium claims adjuster must account for common elements, master policy duties, board communication, unit-owner overlap, reserves, special assessments, and phased restoration. We help boards and managers document the claim so the carrier sees the full association-wide loss.
- HOA property damage claims involving roofs, plumbing stacks, common areas, clubhouses, pools, and building envelopes
- Hurricane, water, mold, roof, and structural damage across multiple buildings or units
- Board-ready documentation packages with photos, estimates, and status updates
- Settlement assistance when carrier scopes do not match reserve impact or permitted repair needs
Association Claim Expertise
Florida condo associations face unique coverage and governance challenges after major losses, especially when multiple buildings share roofs, parking, and amenity structures.
- Roof, building envelope, and common area damage
- Storm events affecting multiple buildings in one community
- Water intrusion through shared plumbing, windows, and stucco systems
- Coordination between master policy claims and unit-owner HO-6 losses
Engineering, Permits, and Common-Area Rebuilds
Association repairs often require engineer letters, phased permitting, and member communication before work begins. Insurance estimates should reflect that process.
- Structural and roofing scopes that survive association board review
- Permit applications through city or county departments based on each building’s address
- Phased restoration when only portions of a roof or facade are damaged
- Pool, clubhouse, and parking structures with separate permit requirements
- Documentation packages boards can share with members and reserve planners
How We Help Boards and Managers
We give boards a defensible claim file and keep communication focused on covered damage, realistic timelines, and settlement progress.
- Independent inspections with photos boards can attach to meeting packets
- Line-item estimates that separate common elements from unit interiors
- Supplement strategy when destructive testing reveals hidden damage
- Status updates suitable for property managers and association counsel
