When Can My Homeowner’s Association File An Insurance Claim?
If your home or condominium is part of a homeowners or condo owners association, the insurance coverage that is designed to protect your building or community is complex – in language and in the details.
The small print that exists within the insurance coverage can often lead to delays or denials in financial recovery when a claim is submitted by the HOA, simply because it’s easier — and cheaper — for the insurance company to avoid payment than write a check for the damages. Insurance companies are masters at manipulating policy language to benefit their bottom line. And while it’s unfair, it is common.
At the Morgan Law Group, our Florida homeowner insurance claims lawyers will work closely with your HOA committee and insurance carrier to address potential complications that arise from claim submissions head-on, removing delays or difficulties from the equation using our legal skill and experience.
What Types of HOA Insurance Claims Does The Morgan Law Group Represent?
At the Morgan Law Group, we represent the HOAs and condo associations for insurance claims that commonly arise from:
- Storm & Hurricane damage
- Water damages due to burst water heaters or sprinklers
- Broken water lines
Our experienced HOA lawyers represent associations at each level of the legal process, from the initiation of the claim and its overall investigation through negotiations inside and outside the courtroom, against insurance companies or other parties until we achieve success on the HOA’s behalf.
Why Would The Insurance Company Dispute The HOA’s Claim?
When homeowner’s associations, condominium associations, and townhome associations file property damage claims, it is typically because structural damage to multiple condos, units, roofs or common areas has occurred.
Disputes often arise between HOAs and the insurance company after the insurer denies a valid claim, many times without a legitimate reason or explanation.
Since the insured losses in these cases can also affect the structural integrity of the building in some cases, the claims process may be complicated. And when the damages are extensive, so is the difficulty in accounting for, substantiating, and covering all insured losses.
Insurance companies use the complexity of these insurance claims against the policyholder, which can drastically affect the pace and outcome of a claim settlement.
It is our goal to expedite the process by pursuing compensation from the insurance company for repairs, replacement, clean-up, and additional recovery costs that will return the structure to its previous integrity, so the residents and the association can get their lives back on track.
Start The Insurance Recovery Process Properly: Contact The Morgan Law Group
When your association’s structured responsibility has been damaged, it jeopardizes the health and well-being of everyone within the association. Each insurance company delay can negatively affect your quality of life, and postpone a positive outcome for months to come.
That’s where we come in.
If your HOA is seeking compensation from the insurance company for damages, and are being met with resistance in any form, contact our Florida homeowner insurance claims lawyers at (866) 587-7511 today to apply the legal pressure necessary to produce results. Our committed insurance claims attorneys provide free consultations, and if we do not win your case, you do not pay our fees.