Has your condominium complex sustained damage from a storm, a fire, a water leak, or other event for which you are insured? Are you getting the runaround on your legitimate insurance claim for damage compensation?

The Complex Landscape of Florida Condo Property Insurance Claims:

Condo property insurance claims in Florida can be multifaceted, with issues ranging from disputes over coverage to disagreements about the valuation of damages. Insurance companies may employ strategies to minimize payouts, and policyholders often find themselves in need of legal representation to ensure their rights are upheld.

At Williams Law, P.A., we know that condo associations and condo owners often have problems collecting on policies. In addition to coverage disputes with the insurance carrier, there may be disputes between unit owners and the governing board over who is responsible, who collects damages, or how repairs are handled.

Understanding Condo Insurance in Florida:

Condo insurance in Florida typically involves a combination of coverage from both the condo association's master policy and individual unit owner policies. The master policy usually covers common areas and the structure of the building, while individual policies cover personal belongings, interior fixtures, and liability.

Common Issues with Condo Insurance Claims:

  1. Master Policy Gaps:

    • Condo associations often have master insurance policies, but these may not cover all aspects. Gaps in coverage can lead to disputes between the association and individual unit owners when it comes to property damage.
  2. Hurricane and Windstorm Damage:

    • Florida is prone to hurricanes and strong windstorms, and these natural disasters can result in extensive damage. Condo owners must understand the specifics of their insurance coverage related to these events.
  3. Water Damage Claims:

    • Water damage is a common issue in Florida condos, whether it's from leaks, floods, or storms. Insurance claims related to water damage can be complex, and understanding the source of the damage is crucial for a successful claim.
  4. Disputes Over Valuation:

    • Valuation disputes may arise when determining the cost of repairs or replacements. Condo owners should be aware of the factors that influence valuation and work closely with their insurance adjusters to ensure a fair assessment.

Experienced Advocacy For Florida HOA Insurance Claims

Condominium association boards and townhome associations regularly consult attorney K.C. Williams to handle property damage claims. Typically there is damage to multiple units and/or roofs or common areas. We have dealt with every type of claim denial or coverage dispute:

  • Fire damage and smoke damage
  • Hurricane damage (wind, rain, flooding)
  • Roof damage (wind, hail, trees, etc.)
  • Water damage (intrusion, burst pipes, etc.)
  • Mold damage

Condo property insurance claim lawyers play a vital role in protecting the rights of condominium owners in Florida. With expertise in navigating insurance policies, resolving disputes, and advocating for fair compensation, our lawyers are valuable allies for policyholders facing the complexities of condo insurance claims. If you find yourself in a dispute with your insurance company, seeking the assistance of a qualified condo property insurance claim lawyer can make a significant impact on the outcome of your case.



K.C. Williams III
Managing Partner who has spent his entire career representing Florida insurance and personal injury claims.