Destin HOA Condo Property Insurance Claim
$4.23 Million Settlement Secured for Destin HOA After Hurricane Insurance Dispute
Williams Law Association, 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 Damage Included:
- Severe roof damage
- Widespread water intrusion
- Structural deterioration impacting habitability
The HOA filed a property insurance claim on behalf of 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 Companies Undervalue and Delay Hurricane 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 the safety of its residents and the structural integrity of the property. Payment delays dragged on for months under the guise of “further investigation.”
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 Association, P.A., we stand up for communities facing underpayment, delay, or denial of their rights. If your HOA’s hurricane insurance claim has been denied or underpaid, we can help you fight back.