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Homeowner/ Condo Associations
When a condominium or homeowners association experiences damage to common areas—such as roofs, exterior walls, clubhouses, pools, or landscaping—the claim is typically filed under the association’s master insurance policy. These claims are usually handled by the board of directors or property manager and require prompt, organized action to ensure full recovery.
What Does the Master Policy Cover?
Most association master policies provide coverage for:
- Structural components (roof, exterior walls, foundations)
- Common areas and amenities (clubhouse, pool, fitness center, parking areas)
- Association-owned property
- Liability for injuries occurring in common areas
- Directors & Officers (D&O) liability for board decisions
Interior unit elements—such as flooring, cabinets, fixtures, and personal property—are typically covered under the individual unit owner’s HO-6 policy.
The HOA Insurance Claim Process
A successful claim starts with taking the right steps immediately after damage occurs:
1. Document the Damage
Take clear photos and videos of all affected areas. Make temporary repairs if necessary to prevent further damage, and keep all receipts.
2. Review Governing Documents
Check the association’s CC&Rs and bylaws to confirm whether the damage falls under association responsibility or the unit owner’s policy.
3. Report the Claim Promptly
Notify the insurance carrier immediately and obtain a claim number. Delayed reporting can lead to reduced payments or denial.
4. Meet With the Adjuster
The insurance company will inspect the property. Detailed documentation and contractor estimates help support a fair evaluation.
5. Repair & Payment
Associations typically have the right to choose their own contractor. Insurance payments may be issued directly to the association or jointly with the contractor.
Important Considerations
Deductibles
The association is responsible for the master policy deductible. In some cases, this may require a special assessment to unit owners.
Actual Cash Value vs. Replacement Cost
If repairs are not completed, insurers may initially pay Actual Cash Value (ACV), which factors in depreciation. Full replacement cost payments are often issued after repairs are completed.
Underpaid or Denied Claims
Associations sometimes receive partial settlements that do not reflect the full scope of damage. In these situations, professional representation can help ensure the claim is properly evaluated.
Common Challenges
- Disputes over whether damage is a common element or unit interior
- Incomplete documentation
- Delayed reporting
- Disagreements on repair scope or pricing
How We Help HOAs & Condo Associations with Insurance Claims
When disaster strikes a community, the financial and structural impact can be overwhelming. HOA and condo boards are often left navigating complex insurance policies, contractor issues, and carrier delays — all while trying to protect residents.
That’s where we come in.
Policy Review & Risk Guidance
We review master policies to identify coverage gaps, sublimits, deductibles, and potential problem areas before a loss occurs. Proactive planning helps protect the association’s financial stability.
Post-Loss Guidance
After a storm, fire, or water loss, we guide boards through the claims process from the very beginning. We help ensure proper notice is given, documentation is preserved, and the association avoids costly missteps.
Coverage Analysis & Disputes
Insurance policies for associations are complex. If a claim is underpaid, delayed, or denied, we analyze the policy, challenge improper exclusions, and advocate for full and fair compensation.
Appraisal & Litigation
When necessary, we represent associations in appraisal proceedings or litigation to recover the benefits owed under their policy.
Owner & Association Allocation Issues
We assist in resolving disputes regarding common elements, limited common elements, deductibles, and responsibilities between the association and individual unit owners.
Our Goal
Our priority is to help boards protect their communities, stabilize finances, and secure the insurance recovery they are entitled to — so they can focus on serving their residents.