Condominium HOA Insurance Claims Dispute Assistance

As the largest and best reviewed public adjusting firm in the insurance industry, Noble Public Adjusting Group has a top-tier expertise and track record for negotiating condominium insurance claims - with over a billion dollars in claim settlements and counting.

FROM INITIAL CONTACT TO THE FINAL CLOSING OF YOUR CLAIM, NOBLE IS THERE WITH YOU!

  • Free Inspection
  • Evaluation
  • Retrieve Data on Your Property
  • File the Claim 
  • Negotiate the Claim *
  • Fight + Settle the Claim

No Recovery, No Fee. *

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Filing an Insurance Claim for Your Condominium: Complexities and Solutions

With over a billion dollars of insurance claim settlements, Noble Public Adjusting Group is your expert resource for navigating condo insurance claims. Condominium ownership brings unique challenges when it comes to insurance claims, particularly due to the shared property and the role of the Homeowners Association (HOA). In this comprehensive guide, we explore the various complexities of condominium insurance claims and provide solutions to ensure a smooth and successful claims process.

Understanding Condominium Insurance

Before delving into the intricacies of filing insurance claims for condominiums, it’s essential to grasp the fundamentals of condominium insurance:

Individual Unit Owners’ Insurance: This policy covers your personal belongings, interior structures, and liability within your unit. 

Condominium Association Insurance: This policy covers common areas, shared structures, and the exterior of the building, along with liability coverage for common area accidents.

 

Filing a Condominium Insurance Claim: Step by Step

Step 1: Review Your Condo Insurance Policy
The initial and most crucial step in the claims process is understanding your individual condo unit owner’s insurance policy. Pay attention to coverage limits, deductibles, covered perils, and exclusions to set the foundation for a successful claim.

Step 2: Document the Damage
Thoroughly document the extent of the damage by taking clear photographs and videos of the affected areas. Create an inventory of damaged items with estimated values, as this documentation will play a pivotal role in the claims process.

Step 3: Contact Your Condo Association
If the damage extends beyond your unit, contact your condominium association promptly. They must file a claim for common areas and shared structures. Collaboration with the association is crucial to ensure seamless information exchange with the insurance company.

Step 4: Notify Your Insurance Company
Contact your individual unit owner’s insurance company as soon as possible to report the damage. Provide them with your well-documented evidence and a detailed account of the incident for accurate claims processing.

Step 5: Work with Adjusters
Expect the insurance company to send adjusters to assess the damage and determine the claim’s extent. Adjusters play a vital role in evaluating your claim based on the provided documentation.

The HOA Challenge in Condominium Claims

The presence of the Homeowners Association (HOA) in condominiums adds complexity to the claims process: 

Shared Responsibility: Determining responsibility for damage in common areas can lead to disputes between the condo unit owners and the HOA.
Master Policy: The HOA holds a master policy covering common areas and the building’s exterior, necessitating an understanding of how it interacts with individual unit owner policies.
Assessment of Damage: Distinguishing between damage in common areas and individual units is critical, requiring coordinated assessments.
Claims Coordination: Coordinating claims among unit owners, the HOA, and multiple insurance companies can be complex and time-consuming. 
Disputes: Disagreements over damage causes or repair cost allocation can further complicate the claims process.

Expert Assistance in Condominium Claims

Considering the complexities introduced by the HOA, many unit owners choose to work with experienced public adjusters. Public adjusters can provide invaluable assistance:

Navigating HOA Policies: They understand the intricacies of HOA policies, ensuring effective utilization of both the individual unit owner’s policy and the HOA’s master policy.

Claims Negotiation: Public adjusters negotiate with insurance companies, including the HOA’s policy provider, to maximize claim payouts and resolve disputes.

Navigating State Statutes: State statutes, such as Florida’s 718.111, specifically govern the condominium insurance claim process.

Documentation and Coordination: Skilled in documenting damage, assessing responsibility, and coordinating claims, public adjusters simplify the process for unit owners.

Expertise in Condo Claims: Public adjusters specializing in condominium insurance claims possess the expertise to navigate complex claims successfully.

Conclusion

Filing an insurance claim for your condominium can be intricate due to shared property and the role of the HOA. No matter where you’re located in the United States, Noble is your trusted source to help you with your condominium insurance claim and ensure that a seasoned expert is on your side of the negotiation process. Your peace of mind and financial security are our priorities, and Noble Public Adjusting Group is here to help you every step of the way.

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What Our Clients Say About Us

Lori was professional, very kind, and got results. She's the one to call!
It became crystal clear to us that Lori is very passionate about what she does. She excels as an educator and holds your hand through each process. Super knowledgeable, very responsive, caring and has an amazing success rate! If you need a public adjuster like we did to navigate all the complexities of the law I would highly recommend Lori Brush
At Noble & Nobel I got in contact with Lori Brush when I first called in and inquired about help with a fire damage claim. Lori was excellent to work with and always answered my calls and returned my texts promptly! Lori has been informative and professional throughout this process, she is outstanding in her field and just what I needed to assist with my claim! I have not had any other representatives from Noble reach out to me and do what she has, thank you Lori Brush from the bottom of my heart!
Response from the owner:Thank you for the kind words regarding your experience working with Lori! We appreciate your review.
My insurance tried to get out of replacing my roof claiming it could be repaired which would’ve cost less than my deductible. Bradley went to work and got them to pay for a whole new roof. My communications with Kathleen were always friendly, professional and helpful.
Response from the owner:Thank you for trusting us with your roof claim Kathleen!
State Farm was trying to get out of paying me what they promised.. I notified Noble Public Adjusting Group who put me in contact with Lorie Brush, one of their adjuster. She was excellent in know the laws about insurance companies, and made that known to State Farm. They decided to send me a check as they had promised me after she made them aware of the laws.
Response from the owner:Thank you Cheri! We are happy to hear that Lori has been able to help you receive some insurance funds towards your repairs. We look forward to hearing about your settlement!
I contacted Noble Public Adjusting Group for help with my insurance claim. Emile was professional, knowledgeable, and made this process way easier. I highly recommend him!
Response from the owner:Thank you for the review Lauren!
"I contacted Noble Public Adjusting Group for help with my insurance claim. Emile was professional, knowledgeable, and made this process way easier. So far, I’m really glad I did!"
Response from the owner:Thank you for the 5 star review Shannon!
Angelica was very knowledgeable, professional, and a pleasure to work with!!
Response from the owner:We are happy to hear of your positive experience working with Angelica!
After Hurricane Helene we were at a complete loss on how to go forward on all the damage we sustained. I called Noble Public Adjusting Group and Emile Wolfaardt was immediately working to assist us in this disaster. He was professional, knowledgeable, and helped us navigate our insurance issues when we could not get a return call from others. Emile definitely went the extra mile and I would recommend him if you need assistance with your claim.
Response from the owner:Thank you for trusting us in representing your claim!

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Using a public claims adjuster increases insurance claim payouts by 747% on average, according to a government study.