(904) 707-3519

Understanding Condo &HOA
Insurance Claims
Things can get tricky when involving the loss of shared property. When damage occurs to multiple units conflict is bound to happen; each owner has their own opinions, different insurance and emotions are high. It doesn't help that it is difficult to understand what is covered by the condo association or HOA isn't always so cut and dry.
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So who is going to repair the damages? The condo association or HOA? Your neighbors' insurance? Your insurance?
This is where we come in. Helping you to make sense of your insurance claim and handling it from start to finish to ensure you're getting the maximum payout for the damages incurred.
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A typical condo insurance policy provides coverage for the following categories:
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Building property: the unit itself, including walls and fixtures
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Personal property: furniture, electronics and other movable goods
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Personal liability: legal expenses from claims or lawsuits against you
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Loss of use: costs of lodging/transport if unit is uninhabitable
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Loss assessment: your portion of any losses shared out by the association