When a condominium building or property suffers damages, the condominium or community association is responsible for filing the insurance claim.
Murray Law Group represents both individual condominium owners and condominium associations throughout the state of Florida for all types of property damage claims.
There are traditionally two insurance policies at issue when there is damage to a condominium building. The condominium owner has a policy that covers inside the walls of the condominium and the contents, while the Association’s policy covers from the walls out to the common elements such as the roof, drywall, siding, walkways and other structural elements.
When condominium losses occur, the owners insureds must determine where the damage occurred and if the damage is the association’s property or if the damage is the unit owner’s responsibility. The nature, extent and type of the property damage will determine under which policy the claim should be made as well as the applicable insurance terms and conditions that apply the loss.
Condominium owners and associations often encounter multiple problems in the claims adjustment process due to the claims complexity involving larger buildings with multiple insurance policies. Often unit owners and their governing boards disagree as to who is responsible to repair the damages.
If you have experienced any problems with your insurance company on your condominium claim or community association claim, you need a Florida insurance claim attorney who can help you fight the insurance company to get the compensation you deserve for your property damage claim.