Destin HOA Condo Hurricane Insurance Claim
Case Result: Successful Recovery for HOA After Hurricane Damage
Williams Law, P.A. recently secured a substantial settlement for a Homeowners Association (HOA) in Florida whose property sustained extensive damage after a devastating hurricane. The HOA’s insurance carrier initially disputed the scope and cost of the repairs, leading to months of delays and underpayment. Through strategic legal action and a commitment to obtaining full compensation, Williams Law, P.A. successfully negotiated a settlement that covered the necessary repairs and restored the community’s property to its pre-hurricane condition.
Incident Overview:
After a major hurricane swept through the area, the HOA discovered significant damage to multiple buildings, including roof damage, water intrusion, and structural issues. As the organization responsible for managing and maintaining the property for numerous homeowners, the HOA filed an insurance claim seeking compensation for the extensive repairs required.
Despite comprehensive hurricane coverage, the insurance company disputed the extent of the damage and significantly underpaid the claim. The insurer attempted to minimize the scope of the necessary repairs, offering only a partial settlement that would not have covered the full cost of restoring the property.
Challenges in the Case:
The insurance company’s initial settlement offer fell far short of what was needed to repair the damage. The insurer argued that some damage predated the hurricane or was due to poor maintenance rather than storm-related impact. These claims left the HOA unable to proceed with critical repairs, putting the property and residents at risk.
Additionally, the insurance carrier delayed payments, citing the need for further investigation, which caused further financial strain on the HOA as they struggled to address immediate safety concerns.
Outcome and Settlement:
Through persistent efforts and skilled negotiation, Williams Law, P.A. successfully secured a significant settlement for the HOA, which covered:
- Full repairs to all damaged buildings include roof replacements and structural and water damage restoration.
- Compensation for additional expenses, such as temporary safety measures and contractor assessments required during the dispute.
- Reimbursement for the HOA’s legal and expert fees, ensuring that the homeowners were not burdened by out-of-pocket costs for fighting the insurance company.
The outcome provided the HOA with the funds necessary to restore the community’s property fully, ensuring the safety and well-being of its residents without placing additional financial strain on the association.