A catastrophic event like a hurricane or fire can cause millions of dollars of damage to a condominium association’s property in a short span of time. Condominium association insurance policies typically cover common areas like roofs, elevators, fitness rooms, garages, pool decks, swimming pools, tiki huts, entryways, balconies, canopies, the exterior envelope of the building, and windows and sliding glass doors. In addition to the insurance policy, every condominium association in Florida has its own unique set of condominium documents which could potentially affect what is covered under the insurance policy.
Typically, once the property manager or another representative of the condominium association notifies the insurance company of the damage claim, that triggers an immediate response from the insurer in the form of:
- Demands for documentation relating to the property, including, but not limited to, board meeting minutes, property maintenance documents, repair documents, floor plans, invoices, contracts, engineering reports, financial records, cancelled checks, etc. It is not uncommon for insurers to demand documents dating back 10 years or more. These requests routinely involve thousands of pages of documentation.
- Multiple on-site inspections by teams of insurance adjusters and experts. These inspections can take days, weeks, or even months to complete, depending on the extent of the damage and the size of the property.
- Demands for one or more condominium association Board member(s) to provide sworn testimony under oath,
- Demands for other representatives of the association (i.e. general contractors, public adjusters, professional engineers, etc.) to provide sworn testimony under oath
- Requests for damage estimates.
- Demands for a signed and notarized Proof of Loss statement attesting under oath to the damage amount.
Contact our Condominium Association Damage Attorneys Today
Property insurers place great demands on condominium association Board members after they file an insurance claim. They require them to navigate through a virtual minefield of hyper-technical requests. It is now somewhat commonplace practice for property insurers to claim that any underpayment, delay, or denial of the claim is not as a result of any wrongdoing on its part, rather, now they blame the condominium association for failing to comply with the terms and obligations of the policy. This is known in the industry as a ‘gotcha’ tactic. Unfortunately, instead of paying the full value of the claim, insurance companies have become much more aggressive in recent years in alleging that it is the condominium association’s fault that payment in full was not made. Kubiak Law Group understands the law, your insurance policy, and the rules and regulations pertaining to condominium association insurance claims. We have the experience, knowledge, and resources required to fight insurance companies to protect your rights.
We offer free consultations, the same day return of calls and emails, and 24/7/365 availability. Contact us today to schedule a free, no-obligation consultation and learn how we can help with your insurance claim.