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…

  • J M. AvatarJ M.

    We never thought of hiring a public insurance adjuster to settle a claim before, however, upon getting the run-around from our insurance company due to serious plumbing leaks throughout our home, we are extremely happy we contacted Claim Concepts. Greg Roover and Eric Thomas did a tremendous job for us. We found them extremely professional & knowledgeable in their field. We were told what to expect with regard to settlement timelines and negotiations, and they gave us a thorough & detailed estimate of what we were due based on our property damages. From the beginning to final settlement they handled everything, alleviating us having to follow up and negotiate with our insurance companies representatives and their adjusters. Greg and Eric know their business...and with their help our claim was settled well beyond what our insurer originally offered. Without hesitation, we would call Claim Concepts for any future needs and would highly recommend their service to others. Thank you Claim Concepts! - 10/23/2017 

    Duane M. AvatarDuane M.

    I highly recommend claim concepts. Greg was extremely pleasant to deal with, yet firm and persistent in getting us the results necessary. I highly recommend them. You won't be disappointed. - 10/23/2017 

    Steve L. AvatarSteve L.

    I was very impressed with the level of service I received from Claims Concept. Greg, Jesse, and Eric were very professional and took the time to explain and handle the entire process. I highly recommend Claims Concept! - 1/19/2021 

  • Poh W. AvatarPoh W.

    My house caught on fire in late March 2019. Initially I tried to deal with insurance adjuster myself but it quickly became too much work for me to handle. Fortunately, my boss was in a similar situation and highly recommended me to talk to Claim Concepts. I contacted Greg Roover (the owner), we had a great conversation and contracted CC to be my public adjuster. I met with Eric Thomas (one of Greg’s associates, super friendly and professional) the next day to previewed my burnt house and went over logistic. 4 months later not only did I got my insurance claim approved, Eric managed to get the full insured amount as well. Great Job Claim Concepts! I would highly recommend Claim Concepts especially if you find yourself in a fire or hurricane claim situation. - 10/17/2019 

    Willie G. AvatarWillie G.

    Great experience working with Greg at Claim Concepts. Insurance company originally paid me $1400 and after getting Claim Concepts involved we recovered an additional $21,500! My only regret is not hiring them sooner as once they got involved I was relieved of all the stress of dealing with the insurance company and clearly they knew exactly what to do. I highly recommend them to anyone with a claim. - 10/23/2017 

    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 

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