CONDO INSURANCE CLAIMS…..WHO OWES WHAT AND TO WHOM?

Condo Claim Assistance by a licensed Florida Public Adjuster

This is what can happen when you upstairs neighbor has a drain leaking into your condo unit.

Looking for help with a Condo Claim?

It is all too common to see a condo unit owner’s hot water heater or toilet leak through the night causing damage to not only their own unit but to the neighboring units  and several units below them.  The problem is, “Who owes what and to whom?”

As State Licensed Public Insurance Adjusters, we receive many phone calls from policyholders that have experienced a loss to their property and need help with their Condo Insurance Claim.  There is not one answer for everyone as there are many different policies and every situation is unique.  When it comes to Condo Insurance Claims there are several questions that often arise.  Here are some examples:

1.    “The damages to my Condo were caused by my neighbor, so they should pay for the damages, right?”

The answer is ‘possibly’.  As far as insurance goes, if you have your own insurance policy that policy should compensate you for the loss.  It is common for your insurance company to gather all of the information about the responsible party and at their own discretion they may go to the responsible party and attempt to subrogate (recover) the losses from the responsible party.  They will typically choose to subrogate for a Condo Claim when they feel that a party was negligent and the loss occurred due to this negligence.

2.     “I have insurance through my association and they will take care of my Condo Claim, right?”

Unfortunately many people misunderstand what the association master policy will cover.  They should cover anything behind your drywall and the drywall itself.  As far as flooring, cabinetry, bathroom & kitchen cabinetry, texture and paint as well as many other items, your personal insurance policy should cover those items.  As you can see, the bulk of the damages are your responsibility and not the associations.  It is very risky to go without insurance on a condo.

3.     “I don’t think that my insurance company gave me enough money for my Condo Claim. Can you help?”

YES.  That is exactly what a good licensed Public Adjuster in Florida can help you with.  Unfortunately, most insurance companies clearly understand that the claims department is not a profit center.  The adjusters that they send to your house are paid and trained by the insurance company, whose interest do they really have at heart?  I am not saying they are bad people but I can tell you that on a regular basis we are able to assist our clients in recovering Multiples of what the insurance company originally offered.

For more information on How we can help you with your Condo Insurance Claim problems call (800) 801-2099

Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Sandi D. AvatarSandi D.

    We had some problems with checks from the bank from a insurance claim...Greg helped us through this gregarious process! We will go back to him in the event we need a private adjuster! He is great and professional! - 10/02/2017 

    Marilyn P. AvatarMarilyn P.

    We had a water leak in our house. We called insurance and they send an appraisal guy to determine the damaged. What a bad experience when he gave me instructions of what to do taking pictures forward to him etc. When the insurance final the case they send us a check for much less to cover all the damage.We found Greg Hoover, He response immediately and guides us in what to to do. He fought for us with the insurance company and we get exactly He told us in his appraisal. Highly recommended him. Very professional - 10/23/2017 

    F F. AvatarF F.

    We were at a standstill with our insurance company....many many monthsof negotiating without any payment. We hired Greg. He was very professional,competent and got the job done quickly. Wish we would have hired him much sooner. We definitely would recommend Claim Concepts to settle a problem you may be experiencing. - 10/02/2017 

  • Rick P. AvatarRick P.

    Eric & Jesse were great to work with. They were very efficient and kept us updated though out the entire process. They were able to negotiate a satisfactory settlement. Thank you Claims Concepts (Eric/Jesse) for all your help!! I highly recommend Claim Concepts if you ever need a Public Adjuster. - 10/23/2018 

    Tyler F. AvatarTyler F.

    Chris and his colleagues worked tirelessly to get my claim taken care of.They are the best insurance company I have ever worked with. I truly appreciated the time he took to explain my policy to me and the steps we needed to take to complete my claim.I will highly recommend them. - 10/02/2019 

    Brent W. AvatarBrent W.

    When you find yourself with such a loss and are unsure of who to trust to help get you back on your feet, look no further than Claim Concepts. It was my first time ever needing to file a claim and knowing who to trust was the biggest concern. I searched numerous adjustors and landed on Claim Concepts. Eric ran the point for my case, but the team concept approach they use is fantastic. Very knowledgeable company and took care of us in a time of need. Honesty, integrity, trustworthy and caring. I would recommend them to anyone in need of such services - 4/02/2020 

If you are looking for a Public Adjuster Near Me, you came to the right place. Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres