Free HOA or COA Insurance Claim Review

If your association has suffered hurricane damage, roof damage, water intrusion, fire damage, mold, wind damage, plumbing leaks, elevator damage, clubhouse damage, pool building damage, or damage to common areas, call before accepting a low settlement or signing off on an incomplete scope.

We review the association policy, carrier estimate, mitigation records, inspection reports, photos, contractor estimates, association documents, and the parts of the property that may be the association’s responsibility. We also help identify where the claim may need expert support, repair-scope detail, additional inspections, or a stronger presentation to the insurance company.

Call (888) 881-8416 for a free HOA or COA claim review. A live person answers 24/7.

What Is Usually Covered Under an HOA or COA Insurance Policy?

There is no single answer that applies to every association. A condominium association policy often covers parts of the condominium property and common elements, while a homeowners association policy may focus on association-owned common areas and property the HOA is responsible to maintain, repair, or replace.

Coverage depends on the insurance policy, declaration, bylaws, maintenance provisions, Florida statutes, endorsements, deductibles, exclusions, reserve or assessment issues, and the type of property damaged. In many claims, the dispute is not only whether damage occurred, but also which policy is responsible and how far the repair scope should go.

That is why HOA and COA claims need careful review. The association, property manager, board, unit owners, contractors, and insurance carrier may each be looking at different documents and different responsibilities.

Common HOA and COA Claim Problems

Condominium Association Insurance Claims

Condominium association claims can involve building structures, roofs, exterior walls, windows, balconies, elevators, hallways, lobbies, garages, mechanical systems, common-area finishes, clubhouse property, pool facilities, and other shared property. Damage may also affect individual units, which can create disputes between the association policy and unit owner policies.

Florida condominium insurance responsibilities are often tied to Chapter 718 of the Florida Statutes, the condominium declaration, bylaws, maintenance provisions, and the association’s insurance policy. The insurance policy and governing documents must be reviewed together.

• Condominium roof damage and exterior damage
• Common-area water damage and interior repairs
• Hurricane and wind damage to multiple buildings
• Elevator, lobby, corridor, stairwell, and garage damage
• Fire, smoke, soot, odor, and water damage after a fire
• Mold or moisture affecting shared areas or multiple units
• Disputes between association policy and unit owner coverage

Homeowners Association Insurance Claims

HOA insurance claims may involve common-area buildings, clubhouses, entrance structures, gates, fencing, pool buildings, signs, sidewalks, roads, landscaping, irrigation, recreational facilities, and other association-owned property. HOA policies and responsibilities vary widely.

Chapter 720 of the Florida Statutes governs homeowners associations, but a claim still depends heavily on the association’s policy, declarations, bylaws, maintenance obligations, board decisions, and loss facts. The HOA may need help documenting association-owned damage, pricing repairs, separating unit/homeowner issues, and presenting the claim to the carrier.

• Clubhouse, amenity, pool, and recreation-area damage
• Entry gates, fencing, signs, walls, roads, sidewalks, and shared property
• Wind, hurricane, water, fire, mold, and vandalism claims
• Large common-area claims affecting multiple owners
• Claims involving property managers, LCAMs, boards, and contractors

What Is an LCAM?

An LCAM is a Licensed Community Association Manager. In Florida, community association managers and community association management firms are regulated under Chapter 468, Part VIII of the Florida Statutes. An LCAM may assist a condominium association, homeowners association, cooperative association, or other community association with management services.

In an insurance claim, an LCAM or property manager may help coordinate inspections, documents, contractor access, board communication, owner communication, maintenance records, invoices, mitigation, and claim-related scheduling. The LCAM is often a key person in organizing documents and access, but the public adjuster’s role is different: we represent the policyholder in the insurance claim.

For association claims, the best results usually come from organized cooperation between the board, LCAM or property manager, maintenance team, contractors, experts, and the licensed public adjuster.

How Experienced Public Adjusters Helps Associations

• Policy review: We review the association policy, endorsements, deductibles, limits, exclusions, appraisal language, and coverage positions.
• Document review: We review relevant declarations, bylaws, maintenance obligations, prior repair records, invoices, and claim communications.
• Damage inspections: We inspect and document roofs, interiors, common areas, shared systems, exterior damage, water damage, fire damage, and storm damage.
• Estimate preparation: We prepare or review estimates for covered damage, missed scope, access, protection, matching, code, and repair sequencing.
• Carrier communication: We help communicate with the insurance company and present the claim in an organized, evidence-supported manner.
• Board and manager support: We help associations understand the claim status, missing documentation, and potential next steps.
• Dispute support: We assist with underpaid, delayed, or denied claims, including appraisal or mediation support when appropriate.

Common HOA and COA Claim Types

Florida Statutes and Association Documents

Association insurance claims should be reviewed with both the policy and the governing documents. Florida law may provide important requirements, but the insurance policy and association documents still control many practical claim issues.

• Florida Statutes Chapter 718 — Condominiums
• Florida Statutes Chapter 720 — Homeowners Associations
• Florida Statutes Chapter 468, Part VIII — Community Association Management

Important: Experienced Public Adjusters is not a law firm and does not provide legal advice. We provide public adjusting services, claim documentation, estimate review, policyholder claim representation, and claim negotiation. Associations should consult qualified legal counsel for legal interpretation of statutes, declarations, bylaws, board duties, or disputes between owners and associations.

Florida Markets We Serve for HOA and COA Claims

Experienced Public Adjusters helps associations, property managers, boards, commercial property owners, condominium owners, and homeowners throughout Florida, with a strong focus on Naples, Orlando, Tampa, Daytona Beach, Bonita Springs, Marco Island, and surrounding communities.