Condominium Claims

A condominium owner’s insurance policy typically covers damage inside the unit, including personal property and interior elements like flooring, cabinets, and appliances. The condominium association’s insurance policy covers the building’s common elements, such as the roof, exterior walls, walkways, and other shared spaces. Determining which policy applies depends on where the damage occurred.

Responsibility for filing an insurance claim depends on where the damage occurs. If the damage is within the unit (e.g., interior walls or personal belongings), the unit owner must file the claim. For damage to common areas or structural elements, such as the roof or exterior walls, the condominium association is responsible for filing the claim.

Determining which insurance policy applies can be complex. It generally depends on where the damage occurred and whether it affects common elements or your unit’s interior. If you’re unsure, consulting an experienced attorney or your insurance provider can help clarify which policy is responsible.

Condominium insurance claims often face issues like disputes over who is responsible for the repairs, disagreements between the unit owners and the association, or complications with overlapping coverage. Insurance companies may also delay payments or deny claims, making the process frustrating for both unit owners and associations.

If your claim is denied or delayed, it’s important to consult an experienced insurance attorney. They can help you understand your rights, negotiate with the insurance company, and ensure you receive the compensation you are entitled to under your policy.

Yes, if you and your condominium association cannot agree on who is responsible for the damage, an attorney can help. Legal counsel can review the insurance policies, assess the damage, and work to resolve the dispute between you and the association, ensuring that the responsible party is held accountable.

Florida law sets time limits for filing insurance claims, typically within three years from the date of loss. However, it's important to act quickly to ensure your claim is filed within the required timeframe. Consulting with an attorney early in the process can help prevent missed deadlines.

If your insurance company offers a settlement that does not fully cover the damages, you have the right to challenge the offer. An experienced insurance attorney can help negotiate a fair settlement or, if necessary, take legal action to ensure you receive the compensation you deserve.

Yes, if the association refuses to file a claim for damage to common areas or shared elements, unit owners may need to take legal action. An attorney can guide you through the process, ensuring that the association fulfills its obligations under the governing documents and insurance policy.

Murray Law Group represents both individual condominium owners and condominium associations in a variety of insurance claim disputes. We assist with filing claims, resolving disputes between unit owners and associations, negotiating with insurance companies, and taking legal action when necessary to ensure fair compensation. If you need assistance with a condominium claim, contact us today.