About this type of damage
What causes it, and why coverage gets complicated.
Condominium and HOA claims can involve common elements, limited common elements, individual units, association property, and multiple insurance policies. Responsibility may depend on the governing documents, the source of the damage, and the language of each policy.
Boards, managers, unit owners, contractors, adjusters, and insurers may all be involved at the same time. A clear record of who is responsible for what can become just as important as documenting the physical damage itself.
What usually makes it difficult
Where these claims tend to break down.
These claims often break down when the association and unit owners disagree about responsibility, the carrier separates damage by building component, or multiple policies appear to overlap.
Disputes can also arise over whether damage affects a common element, an individual unit, or both. Delays in board decisions, access, inspections, and contractor coordination can make the record harder to follow and increase the cost of repair.
Keep the declaration, bylaws, insurance policies, board communications, inspection reports, photographs, estimates, and unit-owner notices together. An early review can help identify the responsibility map before positions become fixed.
Why work with us
Direct Attorney Review on Every Case
Every claim is reviewed by an attorney at the firm, not routed through a call center or a case manager you have never spoken to. Initial consultations are free.
Clear Communication, Every Step
You will know where your claim stands and what happens next. No radio silence, no guessing.
Honest, Client-First Advocacy
Every case gets reviewed honestly, including telling you directly when litigation isn't the right next step.
Local Roots, Statewide Reach
Based in South Florida, representing policyholders throughout the state in property insurance disputes.
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