Destin HOA Condo Property Insurance Claim

$4.23 Million Settlement Secured for Destin HOA After Hurricane Insurance Dispute

Williams Law, P.A. recently obtained a $4,230,000 settlement for a Destin, Florida Homeowners Association (HOA) after their insurance company underpaid and delayed a legitimate hurricane damage claim. After months of insurer pushback, our legal team stepped in and successfully forced a recovery that fully restored the property and protected residents from further financial harm.

Hurricane Damage Leads to Severe Property Losses

Following a major hurricane that struck the Florida Panhandle, a Destin HOA discovered widespread damage across multiple residential buildings. The destruction included:

  • Severe roof damage
  • Widespread water intrusion
  • Structural deterioration impacting habitability

The HOA filed a property insurance claim for dozens of property owners, expecting full compensation under their hurricane coverage policy. Unfortunately, the insurance carrier disputed the scope and value of the loss, triggering extensive delays and financial strain.

Insurance Company Undervalues and Delays Claims

Despite clear documentation of storm-related damage, the insurance company responded with a lowball settlement offer that failed to cover basic repairs. The insurer further alleged that portions of the damage predated the storm or resulted from maintenance issues, allegations often used to delay and devalue legitimate Florida hurricane claims.

The HOA was left unable to make critical repairs, jeopardizing its residents’ safety and the property’s structural integrity. Payment delays dragged on for months under the guise of “further investigation.”

Williams Law, P.A. Fights Back for Full Recovery

Recognizing the bad faith tactics, Williams Law, P.A., took swift legal action. Our experienced Florida insurance claim attorneys:

  • Engaged building consultants and engineers to prove storm-specific damage
  • Disputed the insurer’s depreciation and maintenance-based denials
  • Pressured the carrier through aggressive litigation and negotiation

Case Result: Full Compensation for Destin HOA

Thanks to our efforts, the HOA received a $4.23 million settlement that included:

  • Full repair coverage for all storm-damaged buildings (roofing, structural, and water restoration)
  • Reimbursement for emergency safety expenses, including temporary mitigation measures

Protecting Florida HOAs from Insurance Abuse

This case highlights a growing trend across Florida: insurance companies downplaying hurricane damage claims to save money, often at the expense of condo and homeowners associations. At Williams Law, P.A., we stand up for communities facing underpayment, delay, or denial. If your HOA’s hurricane insurance claim has been denied or underpaid, we can help you fight back.