CAMS, HOAs and COAs
Condominium & HOA Community Claims
What's Covered By A Condo Association or Homeowners Association's Insurance Policy?
Condo Owner Association Policies typically cover the structure of the building and common areas. A Homeowner Association may only cover the common areas. The association’s policy, however, may or may not extend to the inside or exterior of your unit. And its coverages are dependent on Florida state laws.
Condo and Homeowners association’s insurance policies in Florida are difficult to navigate through and will be very different. First, check your state law to see if it provides insurance minimums for condos or HOA’s Florida, for instance, it has statutes that establish insurance requirements. You can research these laws under section 718 of the Florida statutes, which covers condos, or Section 720, which covers HOA’s. In addition to your state’s statute, you must understand your HOA or COA’s governing documents or By-Laws.
Why Get an Inspection?
If you believe you have no damages, then getting an 11-point inspection will give you the additional security and peace of mind that you need.
If you have damages, an 11-point inspection will guarantee you that your expert Florida homeowners insurance claims adjuster inspected the property as a whole to find ALL damages, hidden or visible.
(Fun fact: On average, we find 50% more hidden damages than what the homeowner, property manager, CAM, or property owner report to us)
We have created a program that can ensure, whether you have damages or not, that proves after our inspection, your insurance company cannot argue “pre-existing condition.
Who is responsible for my loss? My insurance policy or the association?
It’s important to understand what a homeowners and condo association’s policy covers and how that differs from a homeowners or condo owner’s insurance policy. Most of the time Homeowners and Condo Associations boards are a group of people elected by the community and are owners of condo units or homes within their community. Also, the association will usually hire a management company that dedicates and LCAM to oversee the association.
The 2018 Florida Statutes on Condominiums
The 2018 Florida Statutes on HOA’s
Ask An Adjuster Claims Adjusters specializes in commercial and residential property insurance claims, including condos, HOA’s, and co-ops. Please contact us today for a free claim review at (844) 277-4306.
Ask An Adjuster Claims Adjusting Works for YOU,
NOT your insurance company.
Call Ask An Adjuster Claims Adjusting BEFORE you call your insurance company. We will represent you during the entire insurance claim process. Our adjusters will do a very thorough inspection, finding any and all damages, and report those damages to the insurance company. We will then communicate directly with your insurance company on your behalf.
Already filed a claim, we can still help you.
We may be able to find additional damage that your insurance adjuster overlooked. Call us for a FREE, no obligation inspection. Don’t wait, call Ask An Adjuster today and let us handle your damage claims.
If we do not recover any funds, then we don’t collect a payment. No recovery. No Fee.
Frequently Asked Questions (FAQs)
What is master insurance policy for homeowners association?
A master policy is a kind of liability and property insurance for Home Owners' Association, which is paid by the respective association members.
What does a condo association insurance policy cover?
The insurance policy for condo association insurance is not limited to- a) personal belongings loss coverage b) damages incurred in personal unit/space by external factors as per statutes and contracts c) liability costs for guests.
Do homeowners associations need insurance?
In most cases, the bylaws or the declarations they make require the homeowners' to carry one or more forms of insurance.
Don't take our word for it...read about how satisfied our customers are!
“Curtis Parry and the staff at Ask An Adjuster worked tirelessly to help us fight for what we were owed for damages from Hurricane Matthew. I will continue to recommend their services to all my friends, family and clients.”
“After you performed a free roof inspection, you agreed to represent the association on a contingency basis, there would be no cost to the association if you were not successful and this was an easy decision for us. In less than 60 days, your expert team of engineers, negotiators and insurance experts, assisted us in our insurance company awarding us an additional $500,000 cash!"
Waterside Village Condominium Association
“Thank you for a job well done. We tried to handle the claim ourselves, but without Ask An Adjuster, we would not have been able to restore the value to our property.”
Continental Group Incorporated
on behalf of Sunpointe Springs Condominium
Why choose Ask An Adjuster Claims Adjusting?
Our state of the art Thermal Imaging Inspection helps find hidden damage you didn’t know was there.
Regardless if you have submitted a claim or not, we can review your property or current claim.
TYPES OF CLAIMS
We specialize in all types of property claims including storm, water, fire, lightning, tornado, sinkhole, appliance leaks, plumbing damage and more..
NO RECOVERY > NO FEE.
If we aren’t successful, our inspections, estimates, submissions, and communications cost you nothing.
Our adjusters work hard to restore our communities for its business owners and residents.
Our Ask An Adjuster team consists of professionals from all backgrounds, working together to assist you.
Not satisfied with your settlement? Want a second opinion?
Fill out the form to the right and one of our qualified professionals will get back with you to set up an appointment. Our inspection is free and you don't pay unless we are successful with a recovery!
Get In Touch
Call or email us today!