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…

  • Laura B. AvatarLaura B.

    Ten Stars all the way!!!Greg and Eric were just what I needed in order to get a fair settlement from my insurance company. They truly care about you and work diligently and quickly to see your claim is settled to your satisfaction. I would highly recommend Claims Concepts. thank you Greg and Eric for all you did for my family - 10/22/2018 

    Blair B. AvatarBlair B.

    Claim Concepts truly saved me with a recent insurance claim. Without their assistance I would have had to come out of pocket A TON for repairs that insurance initially denied and later ended up covering. Jesse and Greg were such a pleasure to work with; although, "work with" is an over exaggeration as I just sat back while everyone at Claim Concepts took care of absolutely everything with my claim. I cannot recommend them strongly enough. I hope not to have any more insurance claims, but if I do, there is no question that I will be immediately calling Claim Concepts. - 11/23/2018 

    Joel Z. AvatarJoel Z.

    The most professional organization that you will ever deal with.They really know the inner workings of insurance companies and how to get you what you deserve.It was an absolute pleasure working with Eric and the entire staff.They let you know step by step where you are in the negotiations and conduct themselves as true gentleman.I cannot praise their work ethics and follow through anymore than by giving them my heartfelt “thanks”, for a job well done.Ellen & Joel Zeiger - 10/23/2018 

  • larry g. Avatarlarry g.

    I highly recommend Claim Concepts. - 10/23/2018 

    Stephen R. AvatarStephen R.

    Great people to work with. We had a flood from a broken pipe and the insurance company was not giving us enough money to pay for repairs. We hired Claim Concepts to handle the case and in the end we almost doubled the money originally offered by the insurance company! And, that was after paying the fee to Claim Concepts! Repairs are being made as I write. Thanks Gregg and Eric! - 10/06/2017 

    Dave S. AvatarDave S.

    Greg was great to work with and got results! - 10/23/2018 

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